Chubb vs 
Corgi: How Do They Compare for D&O Insurance?
Corgi sells startup D&O online with example limits of $1 million per claim and $2 million total; Chubb insures D&O for smaller private companies with published $500,000 limits within the policy.
Corgi sells startup D&O you can apply for online, with sample limits of $1 million per claim, $2 million aggregate and a $25,000 retention. Chubb's ForeFront Portfolio 3.0 D&O for small private companies is quoted only by agents and brokers and publishes sublimits but no overall maximum. 1,3
What Are the Key Differences Between Chubb and Corgi D&O Insurance?
Apply Online vs Go Through an Agent
Corgi sells D&O on its own or inside stage-based startup packages starting at pre-seed, through a self-serve online application. 3 Chubb's ForeFront D&O and Entity Liability is for smaller privately held companies, and agents and brokers quote and issue it on Chubb Marketplace, so you can't buy it yourself. 1 2 Choose Corgi if you're a pre-seed to growth-stage startup that wants a quote without a broker and $1 million per claim is enough; choose Chubb if you already work with an agent and want an established insurer's modular form with extra Side A capacity. 3 1
What the Published Numbers Tell You
Corgi's sample has no retention on Side A, and defense costs sit inside the limit, so legal bills reduce what's left to pay a settlement. 3 Chubb publishes a $500,000 sublimit for investigating shareholder derivative demands and an optional extra $500,000 Side A limit dedicated to individuals, but no overall policy maximum; you'll only see that on a quote. 1
What Should You Confirm in Chubb and Corgi D&O Insurance Quotes?
- Corgi's policy is claims-made and issued by Technology Risk Retention Group, Inc., a risk retention group (these aren't covered by state guaranty funds); ask how that applies in your state. 3
- Ask whether Corgi's quote includes the Outside Directorship, Crisis Event Expense or Investigative Costs endorsements. 3
- Ask Chubb for its overall limit and whether the extra $500,000 Side A limit is included. 1
- If you might raise through a registered offering, compare Corgi's public-securities exclusion and Regulation D carve-back with Chubb's private-placement and failed-IPO terms. 3 1
Chubb vs Corgi D&O Insurance Compared
Chubb vs Corgi: D&O Insurance: documented features by provider
| Criteria | Chubb ForeFront Portfolio 3.0 Directors & Officers and Entity Liability Insurance | Corgi Directors & Officers (D&O) |
|---|---|---|
| Limits and Retentions | Chubb publishes two specific sublimits: a $500,000 sublimit for security-holder derivative-demand evaluation costs, and an optional additional $500,000 Side A dedicated limit for executives. Overall policy limits are not published and depend on the issued policy. 1Company-reported. Coverage Highlights list. | Corgi's illustrative D&O structure shows limits up to $1 million per claim and $2 million in the aggregate, with a $25,000 self-insured retention per claim (no retention on Side A) and defense costs included within the limit. 3Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations. |
| How to Apply | Agents and brokers can quote and issue the ForeFront Portfolio, including its D&O and Entity Liability coverage, through Chubb Marketplace. 2Company-reported. ForeFront Portfolio page quoting section. | You can request a D&O quote online through Corgi's self-serve application. 3Company-reported. Product page quote call to action. |
| Coverage Features | Chubb lists a broad definition of Insured covering the parent organization, subsidiaries, directors or officers (including foreign equivalents), advisory board members and volunteers worldwide; automatic not-for-profit outside-directorship coverage; a broad definition of Claim including written demands, civil and criminal proceedings, and extradition requests; and civil fines and penalties coverage where insurable, including FCPA civil penalties. 1Company-reported. Coverage Highlights list; subject to the policy as issued. Chubb says the policy uses a streamlined insured-versus-insured exclusion with exceptions (including financial impairment, former executives after one year, and whistleblower and employment claims) and conduct exclusions that require final non-appealable adjudication before they apply. 1Company-reported. Coverage Highlights list, exclusion-related bullets. Chubb says the policy provides private-placement and failed-IPO coverage, a full Side A carve-back to the pollution exclusion, and a guaranteed IPO quotation including coverage for road-show presentations. 1Company-reported. Coverage Highlights list. | The policy has three coverage parts: Side A pays individual directors and officers directly when the company cannot indemnify them and carries no retention; Side B reimburses the company when it does indemnify directors and officers; Side C covers the company entity itself, subject to additional exclusions including intellectual-property claims and contractual liability. 3Company-reported. Coverage summary for form CORG-DO-0100; the issued policy and declarations control. The standard policy excludes claims from registered public securities offerings, but a carve-back preserves coverage for exempt transactions such as Regulation D private placements, which Corgi says covers how most startups raise capital. 3Company-reported. Scenario notes for form CORG-DO-0100; not every fundraising structure automatically qualifies as exempt. Corgi covers individual directors and officers (Sides A and B) who receive a Wells Notice, subpoena or target letter from a regulator, but the standard policy excludes entity-level regulatory investigations of the company itself. 3Company-reported. Policy notes for form CORG-DO-0100; informal inquiries and document requests that don't rise to these triggers are not covered. |
| Role in This Line | Chubb underwrites D&O and Entity Liability directly through ForeFront Portfolio 3.0, describing this specific version as designed for directors and officers of smaller, privately held companies. 1Company-reported. ForeFront Portfolio 3.0 D&O and Entity Liability product page. | Corgi sells D&O as a standalone startup policy and also bundles it into its stage-based packages starting at pre-seed and seed, describing it as protection for directors and officers against personal financial liability for management decisions. 3Company-reported. Product page for form CORG-DO-0100, last reviewed by Corgi on April 24, 2026 per the page itself. |
