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Beazley vs Corgi

Compare a Beazley technology policy with a Corgi startup package when a customer contract adds insurer and IP requirements.

Introduction

A first enterprise customer can turn insurance from a budget line into a contract negotiation. Beazley’s MediaTech combines technology and professional errors and omissions (E&O), media and cyber risks. Corgi organizes insurance into startup-stage packages and markets a Tech & AI Liability module. The decision is whether the offered contracts cover your work and satisfy the customer’s insurer requirements, not which package sounds more startup-specific. 1 22 28

Where Each Provider Shines

Where Beazley Shines

  • Technology E&O, media and cyber in one MediaTech form 1
  • Execuguard can separate or share executive-risk limits 10

Where Corgi Shines

  • Stage-based packages give technology startups a starting point from pre-seed through growth, with a custom option. 22,23,26,35
  • Corgi says customers can add or upgrade policies through its dashboard as funding, hiring and contract requirements change. 22,21

Coverage Comparison

Coverage TypeBeazleyCorgi
Business owner’s policyNot listedListed 22
Cargo and transitNot listedListed 22
Commercial autoNot listedListed 22
Commercial propertyListed 15Not listed
CrimeListed 11Listed 22
Cyber liabilityListed 1,9Listed 22
Directors and officersListed 10Listed 22
Employment practices liabilityListed 10Listed 22
Fidelity bondsListed 11Not listed
Fiduciary liabilityListed 10Listed 22
General liabilityListed 17,13Listed 22
Hired and non-owned autoListed 17Listed 22
Kidnap and ransomNot listedListed 22
Liquor liabilityNot listedListed 22
Management liabilityListed 10Not listed
Media liabilityListed 1Listed 22
Medical malpracticeListed 13,14Listed 22
Product liabilityListed 14Not listed
Product recallListed 16Not listed
Professional liability / E&OListed 1,17Listed 22
Representations and warrantiesListed 12Listed 22
Technology errors and omissionsListed 1Listed 22
Umbrella and excess liabilityListed 18Listed 22
Virtual care and telehealthListed 13Not listed
Workers’ compensationNot listedListed 22

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 Beazley and Corgi

A Combined Technology Form Versus a Stage-Based Package

Beazley’s technology combination and its separate Execuguard executive-risk package create two different coverage discussions. Corgi’s startup packages list technology, cyber and management lines together. That can change how you organize a submission, but it does not show that a Corgi package uses one policy or that a Beazley proposal requires more applications. Request the policy schedule and shared-limit structure rather than comparing package names. 1 10 22

For an AI-enabled software business, the IP clause deserves its own review. Beazley’s linked February 2019 MediaTech sample contains patent and product-related trade-secret exclusions. Corgi’s Tech & AI label does not establish broader protection for those allegations. Put the customer’s actual indemnity language beside the current proposed forms; the older Beazley sample is a reason to ask, not the contract you will necessarily receive. 3 5 28

The Insurer Behind the Proposal

Corgi Insurance Services is the producer, and its disclosures distinguish affiliated and partner insurers. If Technology Risk Retention Group is proposed, Corgi says it has no AM Best rating. A claim about access to rated admitted partners should not be substituted for evidence about the actual issuer. 21

Beazley’s posted MediaTech application names Beazley Insurance Company, Inc., while the group describes other underwriting routes. The shared research does not establish a current California MediaTech route. Ask both sellers to identify the precise insurer and give your customer the evidence needed to assess its contractual requirements before buying. 2 7 5

Budgeting Beyond the Advertised Package

Corgi publishes illustrative startup price bands and permits commissions or fees; neither establishes your total price. Beazley’s reviewed MediaTech materials supply no buyer-specific fee schedule. Compare a complete technology-and-management proposal against the same coverage scope, including what remains to be bought separately. A cheaper subtotal is not evidence of cheaper equivalent insurance. 22 21 1 6

What to Confirm in Quotes

  • Which policy parts satisfy the customer’s technology, cyber and management requirements, and which share limits? 22 10
  • How do the current forms treat patent allegations, trade secrets and contractual indemnities for your AI-enabled product? 28 3
  • Which insurer and California placement basis will appear on each policy, and what written event makes coverage effective? Corgi’s disclosures describe both issuance/payment and temporary-binder conditions, so obtain the applicable sequence. 21 2 5

Service Comparison

Beazley vs Corgi: documented services and availability

CriteriaBeazleyCorgi
Business role

Beazley is a specialty insurance group operating through insurance companies and underwriting businesses. Its US disclosures distinguish the insurance entities from Beazley USA Services, Inc., which reports doing business in California as Beazley Insurance Services under license 0G55497. This is a company disclosure, not an independently verified license record. 5,6,7

Corgi Insurance Services, Inc. is the licensed agency that sells and administers Corgi policies. The insurer named in your policy provides the coverage. 21,22,24

Access to insurers

The posted Digital Media Tech application names Beazley Insurance Company, Inc. Beazley’s broader disclosures also describe surplus-lines business through Beazley Excess and Surplus Insurance, Inc. or Beazley-managed Lloyd’s syndicates. The actual MediaTech insurer and California placement basis must be identified in the quote. 2,7

Corgi uses affiliated and partner insurers. Your policy names the insurer and claims administrator for your coverage. 21

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. 37,21,23,22,38,39

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. 38,39,41

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. 21,23,22,29

Corgi says Technology Risk Retention Group does not have an AM Best rating. A financial-strength rating and admitted status are separate things. 21,25

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. 29,42

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. 40,22,21

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. 21,34

Application process

Beazley describes MediaTech placement through third-party platforms or email. Its posted application requests the business’s services and products, employee count, US and non-US revenues, financial statements and expected business changes. A submitted application does not establish acceptance or an effective policy. 1,2

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. 22,21

Fees and compensation

The reviewed MediaTech product page, application and US website terms do not disclose a buyer-specific premium, broker commission rate or fee schedule for a MediaTech placement. Obtain an itemized quote and the placing broker’s compensation disclosure. 1,2,6

Corgi Insurance Services may receive commissions or fees from the insurer or the customer. You can ask for the type and amount of compensation on your policy. 21

Corgi lists typical annual prices of $2,000–$5,000 for eligible pre-seed and seed startups and $5,000–$15,000 for Series A companies. Your price depends on the business, state, coverage, limits, and other underwriting details. 22,26,27

Sources

Beazley Official Website

  1. MediaTech for Small Businesses. Beazley; What we offer; How can we help; Tools & Resources. Accessed 2026-09-16.
  2. Beazley Digital Media Tech Application. Beazley; F00859, 042022 edition, pages 1–2: notice, general information and revenue information. Accessed 2026-09-16.
  3. Beazley MediaTech Sample Policy. Beazley; F00731, 022019 edition; printed pages 14, 16–18: definitions and exclusions (PDF pages 15, 17–19). Accessed 2026-09-16.
  4. Beazley MediaTech Renewal Application. Beazley; F00729, 022019 edition; page 1, title and claims-made notice. Accessed 2026-09-16.
  5. Legal Information. Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
  6. US Web Services Terms of Use. Beazley; Page 1: operating entities and California insurance license table. Accessed 2026-09-16.
  7. US Contingency Toolkit. Beazley; PDF page 13: Event Tech Protect disclaimer; page 26: Disclaimer US (BZPAC211). Accessed 2026-09-16.
  8. Notify a Claim. Beazley; Policy-first guidance; Submit a Notice of Loss; US email directory. Accessed 2026-09-16.
  9. Full Spectrum Cyber for Small Businesses. Beazley; What we offer; Responsive Cyber; Vendor Services; Small and medium sized businesses. Accessed 2026-09-16.
  10. Execuguard (Combined EPL, D&O, and Fiduciary). Beazley; What we offer: separate/shared limits; admitted/non-admitted; How can we help. Accessed 2026-09-16.
  11. Crime and Fidelity. Beazley; What we offer: Commercial Crime versus Financial Fidelity Bonds; fraudulent instruction condition. Accessed 2026-09-16.
  12. Mergers & Acquisitions. Beazley; What we offer: representations/warranties, target customers and 50-state statement. Accessed 2026-09-16.
  13. Virtual Care. Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
  14. Life Sciences. Beazley; What we offer; Our Coverages; Who we can help. Accessed 2026-09-16.
  15. North American Commercial Property. Beazley; Coverage highlights; Who we can help; Where is this offered. Accessed 2026-09-16.
  16. Product Recall – Manufacturing Risk and Response. Beazley; What we offer; Who we can help; Where is this offered. Accessed 2026-09-16.
  17. Environmental Package Policy (BeazleyOne Environmental). Beazley; Key Coverages; Additional Coverages; Who we can help. Accessed 2026-09-16.
  18. Beazley US Marine. Beazley; What we offer: Marine Hull and Marine Liability; primary and excess. Accessed 2026-09-16.
  19. US Specialty Programs. Beazley; What we offer; Who we can help; Where is this offered. Accessed 2026-09-16.
  20. Explore All Products. Beazley; US product directory, all product categories including Small Business Solutions and Reinsurance. 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.

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