CFC 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, while CFC's broker-submitted Technology package reaches $10,000,000 and bundles E&O, IP, media and cyber.
CFC’s Technology package covers breach-of-contract and IP claims from the start, with limits up to $10 million, sold through your broker; Corgi sells Tech E&O online instantly with sample $1 million / $2 million limits, but its base form excludes contract, SLA and IP claims unless endorsed. 2,1,5
What Are the Key Differences Between CFC and Corgi Tech E&O Insurance?
Contract and IP Covered vs Excluded Unless Endorsed
CFC’s Technology package covers legal liability for breaching client contracts and for IP infringement such as copyright and trademark disputes. Corgi’s standard policy leaves both out, and you buy endorsements to add a contract/SLA carveback and copyright and trademark cover. If your customer contracts include SLAs or IP indemnities, CFC covers them from the start. Choose CFC if you sign enterprise contracts or need more than $2 million in limits; choose Corgi if you are an early-stage startup that wants to buy online today and will add the endorsements you need. Corgi’s exclusions, in its own terms: 2 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.
$10 Million and Security Services vs Startup-Size Limits
CFC publishes a maximum $10,000,000 limit across E&O, media and cyber, a $0 minimum deductible, incident response and a free monitoring app. Corgi publishes sample limits of $1 million per claim and $2 million aggregate with a $10,000 retention and defense inside the limit, and describes no comparable services. 2 5
Instant Online Quote vs Broker Application
Corgi quotes Tech E&O instantly online and includes it in every startup package. CFC’s US application goes back through your insurance broker. Corgi’s policies are mainly written by Technology Risk Retention Group, a member-owned insurer without an AM Best rating, with rated partner insurers available if a contract requires one; CFC’s application doesn’t name the US insurer. 5 6 3
What Should You Confirm in CFC and Corgi Tech E&O Insurance Quotes?
- Ask Corgi which endorsements your quote includes, especially contract/SLA, IP and AI liability. 5
- Ask CFC which insurer issues your policy, and check whether your contracts require a rated insurer before accepting Corgi’s default. 5 3
- Compare Corgi’s $1 million / $2 million and $10,000 retention with the limit CFC quotes you. 5 2
- Ask Corgi how much defense costs reduce your limit. 5
CFC vs Corgi Tech E&O Insurance Compared
CFC vs Corgi: Tech E&O Insurance: documented features by provider
| Criteria | CFC Technology Errors & Omissions | Corgi Tech E&O |
|---|---|---|
| Limits and Retentions | CFC publishes a maximum errors & omissions/media/cyber limit of $10,000,000 and a maximum commercial general liability limit of $6,000,000 for this product, with a minimum deductible of $0. 2Company-reported. Brochure 'Limits and deductibles' table; the limit and deductible on an individual policy's declarations control. | 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 | The US Technology application asks for company revenue by year, funding-round history, subcontractor and hosting arrangements, and whether multi-factor authentication is enforced for remote network access and email; it is returned to your insurance broker. 3,1Company-reported. Application form Sections 1, 2 and 4; CFC also lists Connect and named API partners as digital trading channels on the product page, which may bypass a paper application for some brokers. | 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 | CFC describes coverage for financial loss, bodily injury or property damage arising from a technology company's products and services, plus legal liability for breach of client contracts and IP infringement claims such as copyright and trademark disputes. 2Company-reported. Product brochure feature descriptions; exclusions and conditions are set by the policy wording, which was not reviewed. The cyber portion of the policy includes network and privacy liability, business interruption, data rectification and recreation costs, extortion cover, and social engineering coverage, sitting inside the same Technology package rather than as a separate purchase. 2Company-reported. Product brochure 'Comprehensive cyber cover' section. | 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 | CFC's Technology product is a single package policy for technology companies that bundles errors & omissions liability, breach-of-contract cover, IP infringement and media liability, and cyber cover. 1,2Company-reported. Technology product page and US product brochure; the policy as issued controls the exact scope for any one customer. | 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. |
