Get Started

At-Bay vs Corgi

Compare a focused Tech E&O placement with Corgi’s startup packages, including the insurer and contract questions behind each route.

Introduction

A startup signing its first enterprise customer needs to separate the insurance required for delivering software from the rest of its corporate program. At-Bay describes a combined Tech E&O and cyber product; Corgi organizes startup coverage into funding-stage packages. The decision is whether to buy a focused layer of protection or review several liabilities together. 2 15

Where Each Provider Shines

Where At-Bay Shines

  • Tech E&O combines professional liability and cyber protection. 2
  • Stance pairs eligible policies with monitoring, training and cyber advisors; MDR costs extra. 7

Where Corgi Shines

  • Stage-based packages give technology startups a starting point from pre-seed through growth, with a custom option. 15,16,19,28
  • Corgi says customers can add or upgrade policies through its dashboard as funding, hiring and contract requirements change. 15,14

Coverage Comparison

Coverage TypeAt-BayCorgi
Business owner’s policyNot listedListed 15
Cargo and transitNot listedListed 15
Commercial autoNot listedListed 15
CrimeNot listedListed 15
Cyber liabilityListed 3Listed 15
Directors and officersNot listedListed 15
Employment practices liabilityNot listedListed 15
Fiduciary liabilityNot listedListed 15
General liabilityNot listedListed 15
Hired and non-owned autoNot listedListed 15
Kidnap and ransomNot listedListed 15
Liquor liabilityNot listedListed 15
Media liabilityNot listedListed 15
Medical malpracticeNot listedListed 15
Professional liability / E&OListed 4Listed 15
Representations and warrantiesNot listedListed 15
Technology errors and omissionsListed 2Listed 15
Umbrella and excess liabilityListed 2,3Listed 15
Workers’ compensationNot listedListed 15

Listed products and programs, including policies arranged through insurers or partners. Optional endorsements are discussed in the analysis below. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

Key Differences Between at-Bay and Corgi

A Contract Requirement or a Funding-Stage Package

At-Bay describes Tech E&O as combining professional liability and cyber protection, including coding errors, failed implementations and customer contractual indemnity. It also describes service credits issued to settle a claim as payable damages, subject to policy terms. 2

Corgi’s startup menu also reaches management and employment-related liabilities. That broader package structure can organize a first insurance discussion, but a funding-stage label does not determine which coverages a customer contract requires. Compare the technology wording separately from the package’s other components. 15 21

Identify the Insurer Before Testing Contract Compliance

Corgi discloses affiliated and partner insurance arrangements; its producer is not itself the issuer of every policy. Its record distinguishes Technology Risk Retention Group from the separately announced admitted carrier. Ask which entity appears on each proposed coverage rather than applying one group description to the entire package. 14 22

At-Bay’s carrier transition announcement concerns eligible E&S Cyber and Tech E&O business and is historical. It cannot establish the insurer or California eligibility of today’s offer. If the customer stipulates insurer status or financial strength, obtain the proposed issuer’s details before promising compliance. 11 5

Different People Operate the Buying Tools

Corgi offers self-service application and specialist contact. At-Bay’s documented quoting and binding platform is for brokers, including contingencies and signatures. A founder should compare who owns the outstanding work, not the two sites’ advertised speed. 15 14 6

What to Confirm in Quotes

Ask for the technology coverage form, customer-contract review, named insurer for each component, California placement confirmation, and a written binding checklist. Separate any Corgi package additions from the Tech E&O comparison; identify At-Bay security-service charges and any producer compensation in the total payable amount. 7 14

Service Comparison

At-Bay vs Corgi Insurance: documented services and availability

CriteriaAt-BayCorgi
Business role

At-Bay offers cyber, technology errors and omissions (Tech E&O), and miscellaneous professional liability insurance. Its disclosed producer, At-Bay Insurance Services LLC, is a property and casualty agency and surplus lines broker; its website says coverage is underwritten by non-admitted insurers. 1,5

Corgi Insurance Services, Inc. is the licensed agency that sells and administers Corgi policies. The insurer named in your policy provides the coverage. 14,15,17

Access to insurers

At-Bay announced in August 2023 that eligible new E&S Cyber and Tech E&O business would be quoted on At-Bay Specialty Insurance Company paper. That historical announcement does not identify the insurer on a current California quote or establish the issuer for MPL. 11

The current MPL product page does not name its issuing insurer. A September 2023 announcement names United Specialty Company for MPL, but that historical reference is insufficient to establish the current contracting insurer or California placement. 4,13

Corgi uses affiliated and partner insurers. Your policy names the insurer and claims administrator for your coverage. 14

Technology Risk Retention Group, Inc. appears in the NAIC company listing as Arizona-domiciled property and casualty company code 17763 (listed as TECHNOLOGY RRG INC). Corgi’s disclaimers call TRRG the group’s primary underwriting entity and a risk retention group organized under the Liability Risk Retention Act. The same Carrier Financial Strength paragraph describes TRRG as federally chartered and operating under federal prudential oversight; that wording is company language and is not adopted here as a legal conclusion. 30,14,16,15,31,32

A risk retention group is a member-owned liability insurer licensed in its home state. Federal law lets it operate in other states through registration. Members must have similar or related business risks. 31,32,34

For customers who need an admitted insurer, Corgi says it can use affiliated or partner carriers rated A- or better by AM Best. Options depend on the state, coverage, and business. Eligible admitted policies may have state guaranty-association protection, subject to that state’s limits. 14,16,15,22

Corgi says Technology Risk Retention Group does not have an AM Best rating. A financial-strength rating and admitted status are separate things. 14,18

Corgi Insurance Company’s August 2026 launch announcement did not give a financial-strength rating or a complete list of licensed states. Confirm both if they are requirements for your business. 22,35

Policies issued by a risk retention group are not covered by state insurance guaranty funds. Corgi includes this notice for policies issued by Technology Risk Retention Group. 33,15,14

Corgi says its insurers may share risk with reinsurers, while the insurer on your policy remains responsible for claims. Its public disclosures do not name the current reinsurers or their contract terms. 14,27

Application process

At-Bay describes a broker workflow of completing an application, adjusting limits and retentions, reviewing documents, selecting an effective date, and satisfying contingencies and signature requirements before binding. Brokers can also email submissions to underwriting. An online quote is not itself bound coverage. 6,4

You can apply online or book a call with a Corgi specialist. Corgi says eligible applicants can get a quote in minutes and buy coverage the same day. Its disclosures describe both an issued-policy-and-payment condition and temporary coverage under a written binder. Confirm the applicable conditions and effective date in writing. 15,14

Servicing and renewals

At-Bay Stance offers vulnerability monitoring, fraud defense, employee security training and access to cyber advisors. Access is tied to the policy’s Embedded Security Fee and Endorsement; optional managed detection and response (MDR) is a separate purchase from At-Bay Security, LLC. 7

At-Bay markets Stance MDR for endpoints and email, plus managed extended detection and response (MXDR) spanning endpoint, email, identity and cloud. It says MDR is optional for insurance and available beyond its policyholders. Coverage enhancements and premium credits have qualifying conditions. 7

At-Bay describes broker dashboard access to active policies and renewals, with rapid and manual renewal paths. Its platform page says rapid renewals bind automatically 15 days before expiry; buyers should confirm enrollment, terms and change deadlines with their broker. 6

Corgi says customers can add or upgrade policies through its dashboard as they raise funding, hire, or sign larger contracts. Renewal and cancellation terms depend on the policy and state rules. 15,14

Sources

At-Bay Official Website

  1. Cyber, Tech E&O & Professional Liability Insurance. At-Bay; Product cards and agency disclosure. Accessed 2026-09-16.
  2. Tech E&O Insurance Coverage and Policy Highlights. At-Bay; Tech E&O Coverage Highlights; Primary & Excess Appetite; footnotes 1–7; state disclaimer. Accessed 2026-09-16.
  3. Cyber Insurance. At-Bay; Cyber Coverage Highlights; Primary & Excess Appetite. Accessed 2026-09-16.
  4. MPL Insurance: Coverage Highlights & Appetite. At-Bay; MPL Coverage Highlights; MPL Appetite; state restrictions. Accessed 2026-09-16.
  5. Licenses. At-Bay; Producer introduction; California row; agency and surplus-lines footer. Accessed 2026-09-16.
  6. Broker Platform. At-Bay; How it works: Create a quote, Customize your quote, Bind your policy, Manage renewals; FAQs. Accessed 2026-09-16.
  7. At-Bay Stance. At-Bay; Real Protection Against Real Threats; Endpoint, Email, MXDR; footnotes 1 and 3–6. Accessed 2026-09-16.
  8. Claims Handling. At-Bay; At-Bay Cyber Incident Roadmap; The At-Bay Claims Team. Accessed 2026-09-16.
  9. Response & Recovery. At-Bay; Minimize Downtime with One Partner; integration with claims process. Accessed 2026-09-16.
  10. Terms of Service. At-Bay; US terms effective April 11, 2023: Insurance Product Terms; Payment Policy; Service. Accessed 2026-09-16.
  11. At-Bay Begins Issuing Policies on its own E&S Paper. At-Bay; August 9, 2023 release: opening paragraph and new-business transition effective August 7, 2023. Accessed 2026-09-16.
  12. At-Bay Surplus Tech E&O Appetite Guide. At-Bay; Pages 1–2; September 2023 copyright; revenue and limit statements; Restricted classes. Accessed 2026-09-16.
  13. At-Bay Doubles Miscellaneous Professional Liability Appetite. At-Bay; September 28, 2023 release: final paragraph before Media Contacts. Accessed 2026-09-16.

Corgi Official Website

  1. Disclaimers & Licensing. Corgi Insurance Services, Inc.; Carrier Financial Strength (including “federally chartered” and “federal prudential oversight” wording); About Corgi; Licensing; Premium and Payment Disclosures (producer commissions, fees, or other consideration, amounts available on request); Binding Authority and Policy Issuance. Page last updated 04/05/26.. Accessed 2026-09-15.
  2. Corgi Insurance homepage. Corgi Insurance Services, Inc.; Product packages; Self-Serve (apply, get quoted in minutes, bind same-day) and Book a Demo paths; FAQ on cost, claims, and binding; footer entity notices. Accessed 2026-09-15.
  3. About Corgi. Corgi Insurance Services, Inc.; Company description; Federally Regulated, A-Rated Admitted Access, and Licensed Nationwide sections. Accessed 2026-09-15.
  4. Insurance Producer Licenses. Corgi Insurance Services, Inc.; State-by-state producer license table for Corgi Insurance Services, Inc.. Accessed 2026-09-15.
  5. Directors & Officers (D&O) Insurance for Startups. Corgi Insurance Services, Inc.; Form CORG-DO-0100 coverage summary; policy notes stating TRRG underwrites the D&O coverage part; footer identifying Corgi Insurance Company, Inc. NAIC 17989. Accessed 2026-09-15.
  6. Customer Success Stories. Corgi Insurance Services, Inc.; Page heading and named technology-company testimonials; cost FAQ. Accessed 2026-09-15.
  7. Partnerships. Corgi Insurance Services, Inc.; Direct Underwriting savings claim; partner-page process; onboarding-to-claims handling claim. Accessed 2026-09-15.
  8. Insurance for AI, Built for Model Risk. Corgi Insurance Services, Inc.; Tech & AI Liability product description and related AI-risk FAQ. Accessed 2026-09-15.
  9. Corgi Insurance Launches Admitted Insurance Carrier. PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
  10. Corgi Insurance Raises $108 Million, Receives Regulatory Approval to Launch the First Full-Stack Insurance Carrier for Startups. PR Newswire (Corgi press release); 9 January 2026 funding announcement; listed startup coverage lines; company-reported ARR figure. Accessed 2026-09-15.
  11. Corgi Reaches $2.6B Valuation With $106M Series B1 Three Weeks After $160M Unicorn Round. PR Newswire (Corgi press release); 28 May 2026 company statement of $378 million total funding and planned vertical expansion. Accessed 2026-09-15.
  12. Corgi Insurance Launches Corgi Claims, the AI-Native TPA. PR Newswire (Corgi press release); 29 June 2026 launch of Corgi Claims as a TPA; disclaimer that claims services are provided through licensed subsidiaries and affiliates. Accessed 2026-09-15.
  13. Corgi Insurance and Silicon Valley Bank Partner to Connect Clients to Preferred Coverage Solutions. PR Newswire (Corgi and Silicon Valley Bank press release); 17 June 2026 partnership announcement for SVB client access to Corgi products. Accessed 2026-09-15.
  14. Corgi: Rebuilding Insurance with AI. Kindred Ventures; 8 January 2026 investor announcement describing Corgi as a full-stack carrier with a captive reinsurer; company-reported 40,000+ policyholders across 49 states. Accessed 2026-09-15.
  15. Corgi Insurance company profile. Y Combinator; Summer 2024 batch; San Francisco location; 2024 founding; team size 250; description as a full-stack insurance carrier for startups. Accessed 2026-09-15.
  16. Registered Federal Risk Retention Groups. Rhode Island Department of Business Regulation; Report date 23 June 2026; registration entry for Technology Risk Retention Group, Inc., NAIC 17763, 425 Bush St., San Francisco, CA 94108. Document title uses “Federal”; that is the state’s list label, not TRRG’s charter type.. Accessed 2026-09-15.
  17. NAIC Listing of Companies. National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
  18. Insurance Topics: Risk Retention Groups. National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15.
  19. 15 U.S.C. § 3901 — Definitions. U.S. House Office of the Law Revision Counsel; Liability Risk Retention Act definitions of liability and risk retention group, including state charter, member-ownership, and liability-only activity limits. Accessed 2026-09-15.
  20. 15 U.S.C. § 3902 — Risk retention groups. U.S. House Office of the Law Revision Counsel; Non-domicile state registration and policy notice requirements; exemption from state insurance insolvency guaranty associations. Accessed 2026-09-15.
  21. Arizona Revised Statutes § 20-2402. Arizona Legislature; Risk retention groups chartered and licensed in Arizona may write only liability insurance under that chapter. Accessed 2026-09-15.
  22. Corgi built its name insuring AI startups. Its new carrier targets dry cleaners, salons and more. Insurance Business; 27 August 2026 report identifying Technology Risk Retention Group as an Arizona-chartered RRG and noting that the admitted-carrier announcement does not specify domicile, licensed states, or rating status. Accessed 2026-09-15.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

Suggested Comparisons

All Comparisons

Let Spot Handle the Insurance Legwork.

Get help buying coverage and managing renewals, with less paperwork for your team. Start with a free consultation.

Talk to Spot