At-Bay vs 
Corgi: How Do They Compare for Tech E&O Insurance?
Corgi quotes and binds Tech E&O online, with illustrative limits up to $1 million. At-Bay writes up to $10 million for companies as large as $5 billion in revenue, taking submissions by email or through its Broker Platform.
At-Bay's Tech E&O expands contract and IP cover and offers limits up to $10 million, sold through brokers; Corgi lets startups buy online, but its base form excludes contract-only, IP and AI claims unless you add endorsements, with illustrative $1 million/$2 million limits. 1,5
What Are the Key Differences Between At-Bay and Corgi Tech E&O Insurance?
Broad Contract and IP Terms vs a Narrow Base Form
At-Bay says its Tech E&O expands breach-of-contract cover, does not exclude warranties, guarantees or consequential damages, and extends IP infringement beyond software copyright. Corgi's standard form excludes claims arising solely from breach of contract or SLA failure unless you buy a carveback, and excludes IP, data-breach liability and AI-related claims on the base form, with endorsements for some. If your customer contracts carry SLAs or IP warranties, a bare Corgi policy may not answer the claims you are most likely to face. Choose At-Bay if you sign enterprise contracts or need more than $2 million; choose Corgi if you are an early startup that wants to buy online and will add the endorsements you need. 1 5
The standard policy excludes claims arising solely from breach of contract or SLA failure, intellectual property infringement, data breach liability, and AI-related claims; add-on endorsements can extend coverage to AI/algorithmic liability, copyright and trademark infringement, a contract/SLA carveback, and subcontracted technology services. 5Company-reported. Tech E&O policy notes and Available Add-ons section; endorsement availability varies by jurisdiction and underwriting.
Limits and How You Buy
At-Bay offers primary and excess limits up to $10 million for businesses with revenue up to $5 billion, through email submission or its Broker Platform. Corgi shows illustrative limits of $1 million per claim and $2 million aggregate with a $10,000 retention, and defense costs reduce that limit. Corgi quotes online, including inside its startup packages. 1 5 6
Security Tools Included at At-Bay
At-Bay includes its Stance security tools with every Tech E&O policy. Corgi's Tech E&O page offers no risk-management services beyond glossary and FAQ content. 1 5
What Should You Confirm in At-Bay and Corgi Tech E&O Insurance Quotes?
- Ask Corgi which endorsements (contract/SLA carveback, IP, AI, subcontracted services) are on your quote, and ask At-Bay for the specimen form behind its contract and IP claims. 5 1
- Compare per-claim and aggregate limits, retention, and whether defense reduces the limit. 5 1
- Ask who issues the policy. Corgi mainly uses Technology Risk Retention Group, a member-owned insurer, with A- or better standard-market paper for some buyers; At-Bay pointed new surplus-lines business to At-Bay Specialty Insurance Company in 2023. 5 3
- Confirm Stance is included at the quoted premium. 1 5
At-Bay vs Corgi Tech E&O Insurance Compared
At-Bay vs Corgi: Tech E&O Insurance: documented features by provider
| Criteria | At-Bay Tech E&O Insurance | Corgi Tech E&O |
|---|---|---|
| Limits and Retentions | At-Bay says it writes primary and excess Tech E&O insurance for businesses with revenue up to $5 billion and limits up to $10 million. Through its Broker Platform, brokers can get automated quotes only for businesses up to $100 million in revenue and $3 million in limits. 1Company-reported. Published appetite ceilings, not guaranteed offers; underwriting and the appetite guide control individual accounts. | Corgi shows illustrative Tech E&O limits of up to $1 million per claim and $2 million aggregate, with a $10,000 self-insured retention per claim, and describes defense costs as included within the limit. 5Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations. |
| How to Apply | You apply for At-Bay Tech E&O coverage by emailing a submission to underwriting@at-bay.com or by requesting an automated quote through At-Bay's Broker Platform. 1Company-reported. Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings. | Tech & AI Liability is one of the homepage's "Instant quote" policies, meaning it can be quoted and bound online without the 1-14 day turnaround Corgi assigns to its specialty coverages. 6Company-reported. Homepage policy-card labeling as of 2026-09-23. |
| Coverage Features | At-Bay says its Tech E&O policy expands breach-of-contract coverage beyond a standard technology liability policy, carries no exclusion for breach of warranties, guarantees or consequential damages, and extends intellectual-property infringement coverage to trade-secret misappropriation, cybersquatting, improper deep-linking and source-code license violations, in addition to standard software copyright infringement. 1Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms. At-Bay describes negligence coverage for improper installations, coding errors, data-processing flaws, failed implementations and network outages, plus contractual-indemnity coverage for obligations a technology company owes customers from an alleged wrongful act. It also counts service credits issued to settle a claim as payable damages under the policy. 1Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms. | The policy responds to claims-made "wrongful acts": negligent errors in technology services (e.g., a bad calculation costing a client money), negligent acts such as an outage from a code update, and negligent systems integration or data migration work. 5Company-reported. Illustrative scenario notes on the Tech E&O product page; the issued policy and declarations control the actual trigger. The standard policy excludes claims arising solely from breach of contract or SLA failure, intellectual property infringement, data breach liability, and AI-related claims; add-on endorsements can extend coverage to AI/algorithmic liability, copyright and trademark infringement, a contract/SLA carveback, and subcontracted technology services. 5Company-reported. Tech E&O policy notes and Available Add-ons section; endorsement availability varies by jurisdiction and underwriting. |
| Role in This Line | At-Bay places Tech E&O insurance through its disclosed producer, At-Bay Insurance Services LLC, which is licensed as an insurance producer in all 50 states. At-Bay says eligible new excess-and-surplus (E&S) Tech E&O business has been written on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. 2,3Company-reported. Producer role from the current license page; carrier role from a 2023 transition announcement covering Cyber and Tech E&O together, not confirmed for every current quote. | Corgi sells Tech E&O as a standalone instant-quote policy and bundles it into every startup package, starting with the pre-seed and seed tier. 5,6Company-reported. Tech E&O product page and homepage package contents; package composition may change. |
| Issuing Insurer | The current Tech E&O product page does not name an issuing insurer. At-Bay's 2023 announcement says new E&S Tech E&O business is quoted on At-Bay Specialty Insurance Company paper, but that is a historical statement, not a per-quote disclosure. 1,3Company-reported. Tech E&O product page checked today names no insurer; the carrier-transition release is dated August 2023 and does not cover every current state or account. | Corgi says Tech E&O is primarily underwritten by Technology Risk Retention Group (TRRG), an unrated risk retention group; buyers who need admitted, AM Best-rated paper can instead be placed with affiliated partner carriers rated A- or better, subject to eligibility. 5Company-reported. Tech E&O FAQ on carrier rating; the actual issuing carrier for a given policy appears on the declarations page, not this page. |
