Chubb vs 
Corgi D&O Insurance
Chubb underwrites ForeFront D&O; Corgi’s startup form is Technology RRG paper with illustrative $1 million/$2 million limits.
What Is Chubb?
Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. 1,2,3
What Is Corgi Insurance?
Corgi Insurance sells commercial coverage to technology startups through stage-based packages (pre-seed and seed, Series A, and growth stage) that combine general liability, directors and officers, technology E&O, cyber, and related lines, alongside a growing small-business product line for other industries. Coverage may be issued by Corgi’s own risk retention group, an affiliated admitted carrier, or a partner insurer, so the issuing entity and available protections depend on the specific product and state. 6,7,8,9,10
What Is Directors and Officers Insurance?
Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. 12
Key Differences in D&O Insurance
Who Carries the Risk
Chubb underwrites D&O and Entity Liability on ForeFront Portfolio 3.0 for smaller, privately held companies. 4 Corgi sells D&O as a standalone startup policy and inside stage-based packages from pre-seed, and states the form is a claims-made policy underwritten by Technology Risk Retention Group, Inc. 11 One path is a Chubb-issued ForeFront module; the other is RRG paper sold by Corgi.
What Dollar Figures Are Published
Corgi shows illustrative limits up to $1 million per claim and $2 million aggregate, a $25,000 retention per claim (none on Side A), and defense inside the limit. 11 Chubb publishes a $500,000 derivative-demand evaluation sublimit and an optional additional $500,000 Side A dedicated limit, without an overall policy maximum. 4 Corgi’s sample structure is not the same kind of number as Chubb’s two sublimits.
How You Request a Quote
You can request a Corgi D&O quote online through its self-serve application. 11 Agents and brokers quote and issue ForeFront, including D&O, through Chubb Marketplace. 5 One path is a buyer-facing online request; the other is an appointed agent on Marketplace.
What to Confirm in D&O Insurance Quotes
- Confirm Corgi’s issuer is Technology Risk Retention Group and how RRG rules apply in your state. 11
- Ask whether Corgi’s quote includes the Outside Directorship, Crisis Event Expense or Investigative Costs endorsements. 11
- Compare Corgi’s $1 million/$2 million illustration and $25,000 retention with Chubb’s $500,000 sublimits and quoted overall limit. 11 4
- If you expect a registered offering, ask how Corgi’s public-securities exclusion and Regulation D carve-back compare with Chubb’s private-placement and failed-IPO terms. 11 4
Offering Details
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) |
|---|---|---|
| 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. 4Company-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. 11Company-reported. Product page for form CORG-DO-0100, last reviewed by Corgi on April 24, 2026 per the page itself. |
| Issuing Insurer | Not described in the reviewed sources. | Corgi's D&O product page states directly that the policy is a claims-made policy underwritten by Technology Risk Retention Group, Inc., a risk retention group. 11Company-reported. Policy Boundaries section of the D&O product page; this is a line-specific underwriter statement, distinct from Corgi's general multi-entity disclaimer. |
| Who It’s For | Chubb aims this D&O product at smaller private companies and offers separate versions for not-for-profit and healthcare organizations in its ForeFront Portfolio. 4,5Company-reported. ForeFront Portfolio 3.0 D&O page opening description; ForeFront Portfolio page coverage list. | Not described in the reviewed sources. |
| 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. 4Company-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. 4Company-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. 4Company-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. 11Company-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. 11Company-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. 11Company-reported. Policy notes for form CORG-DO-0100; informal inquiries and document requests that don't rise to these triggers are not covered. |
| 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. 4Company-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. 11Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations. |
| Risk Services | Not described in the reviewed sources. | Corgi offers three optional D&O endorsements: Outside Directorship (extends coverage to directors and officers serving on outside boards at the company's request), Crisis Event Expense (covers PR and crisis-communications costs after negative publicity), and Investigative Costs (broader coverage for regulatory inquiries short of a formal claim). 11Company-reported. Available Add-ons section of the product page; endorsement availability varies by jurisdiction and underwriting, and each requires a separate endorsement to apply. |
| How to Apply | Agents and brokers can quote and issue the ForeFront Portfolio, including its D&O and Entity Liability coverage, through Chubb Marketplace. 5Company-reported. ForeFront Portfolio page quoting section. | You can request a D&O quote online through Corgi's self-serve application. 11Company-reported. Product page quote call to action. |
Full Comparison
More Chubb vs Corgi Comparisons
Other D&O Insurance Comparisons
Sources
Chubb
- Insurance For Technology Companies. Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
- Terms Of Use. Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
- Cyber Insurance Coverage & Products. Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
- ForeFront Portfolio 3.0: Directors & Officers and Entity Liability Insurance. Chubb; Coverage Highlights: Directors & Officers (D&O) and Entity Liability list, including Insured definition, sublimits, Side A coverage, Claim definitions, conduct and insured-v-insured exclusions, IPO coverage. Accessed 2026-09-23.
- The ForeFront Portfolio. Chubb; ForeFront Portfolio's seven coverages; Directors & Officers and Entity Liability listed for private companies, not-for-profit and healthcare organizations; Chubb Marketplace quoting. Accessed 2026-09-23.
Corgi
- 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.
- Corgi Insurance homepage. Corgi Insurance Services, Inc.; Product packages: Cyber and Directors & Officers; Growth Stage and Custom Package; Self-Serve (apply, get quoted in minutes, bind same-day) and Book a Demo paths; Explore Our Main Policies: Commercial General Liability, Crime Insurance, Fiduciary Liability, Hired and Non-Owned Auto (HNOA), Worker’s Compensation; Specialized coverages: Employment Practices Liability (EPLI), K&R (Kidnap & Ransom), Representations and Warranties; Commercial Umbrella Liability; Business Owners Policy (BOP); Coverage sales cards: Media Liability, Medical Malpractice, Miscellaneous E&O; Core Operations: Tech E&O Insurance; Tech & AI Liability product module; Transportation menu: Auto Liability, Contractual Liability Insurance - Cargo; FAQ on cost, claims, and binding; footer entity, program-administrator and issuing-carrier notices. Accessed 2026-09-16.
- 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.
- 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.
- 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.
- Directors & Officers (D&O) Insurance for Startups. Corgi Insurance; What's Actually Inside Your D&O Policy (form CORG-DO-0100); Scenario notes; Policy notes; Available Add-ons; FAQ. Accessed 2026-09-23.
D&O Insurance Guide
- Glossary of Business Insurance Terms. The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
