---
title: "Chubb vs Corgi: D&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/chubb-vs-corgi/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "chubb-vs-corgi"
provider-a: "chubb"
provider-b: "corgi"
coverage-line: "directors-officers"
---

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[Human-readable page](https://spot.insure/compare/chubb-vs-corgi/directors-officers)

## Agent Guide

**What this page is:** Focused comparison of Chubb and Corgi for D&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for D&O Insurance questions about Chubb versus Corgi. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Chubb vs Corgi for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, Chubb or Corgi?
- What does Chubb or Corgi publish about D&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: D&O Insurance. Providers: Chubb and Corgi.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [Chubb vs Corgi](https://spot.insure/compare/chubb-vs-corgi) — all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works
- [Chubb profile](https://spot.insure/insurance-providers/chubb) — provider profile
- [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile

# 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 lets a startup apply for D&O online with sample limits of $1 million per claim, while Chubb's ForeFront D&O for small private companies comes only through an agent or broker.

## Chubb vs Corgi D&O Insurance Summary

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](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html "ForeFront Portfolio 3.0: Directors & Officers and Entity Liability Insurance") [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups")

## 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](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") 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](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html "ForeFront Portfolio 3.0: Directors & Officers and Entity Liability Insurance") [2](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") 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](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [1](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html "ForeFront Portfolio 3.0: Directors & Officers and Entity Liability Insurance")

### 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](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") 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](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html "ForeFront Portfolio 3.0: Directors & Officers and Entity Liability Insurance")

## 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](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups")
- Ask whether Corgi's quote includes the Outside Directorship, Crisis Event Expense or Investigative Costs endorsements. [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups")
- Ask Chubb for its overall limit and whether the extra $500,000 Side A limit is included. [1](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html "ForeFront Portfolio 3.0: Directors & Officers and Entity Liability Insurance")
- 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](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [1](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html "ForeFront Portfolio 3.0: Directors & Officers and Entity Liability Insurance")

## Chubb vs Corgi D&O Insurance Compared

| 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. [1](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html "ForeFront Portfolio 3.0: Directors & Officers and Entity Liability Insurance") (Evidence: Company-reported; scope: 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. [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: 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. [2](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") (Evidence: Company-reported; scope: ForeFront Portfolio page quoting section..) | You can request a D&O quote online through Corgi's self-serve application. [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: 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. [1](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html "ForeFront Portfolio 3.0: Directors & Officers and Entity Liability Insurance") (Evidence: Company-reported; scope: Coverage Highlights list; subject to the policy as issued..)<br><br>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. [1](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html "ForeFront Portfolio 3.0: Directors & Officers and Entity Liability Insurance") (Evidence: Company-reported; scope: Coverage Highlights list, exclusion-related bullets..)<br><br>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. [1](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html "ForeFront Portfolio 3.0: Directors & Officers and Entity Liability Insurance") (Evidence: Company-reported; scope: 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. [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Coverage summary for form CORG-DO-0100; the issued policy and declarations control..)<br><br>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. [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Scenario notes for form CORG-DO-0100; not every fundraising structure automatically qualifies as exempt..)<br><br>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. [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: 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. [1](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html "ForeFront Portfolio 3.0: Directors & Officers and Entity Liability Insurance") (Evidence: Company-reported; scope: 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. [3](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Product page for form CORG-DO-0100, last reviewed by Corgi on April 24, 2026 per the page itself..) |

## About Chubb and Corgi and D&O Insurance

- [Chubb company profile](https://spot.insure/insurance-providers/chubb) · [Chubb customer reviews](https://spot.insure/insurance-providers/chubb/reviews)
- [Corgi company profile](https://spot.insure/insurance-providers/corgi) · [Corgi customer reviews](https://spot.insure/insurance-providers/corgi/reviews)
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers)

## Related Pages for Chubb vs Corgi D&O Insurance

- [Chubb vs Corgi](https://spot.insure/compare/chubb-vs-corgi): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [Chubb D&O Insurance](https://spot.insure/insurance-providers/chubb/directors-officers)
- [Corgi D&O Insurance](https://spot.insure/insurance-providers/corgi/directors-officers)

## Sources for Chubb vs Corgi D&O Insurance

### Sources About Chubb

1. [ForeFront Portfolio 3.0: Directors & Officers and Entity Liability Insurance](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html). 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.
2. [The ForeFront Portfolio](https://www.chubb.com/us-en/business-insurance/forefront.html). 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.

### Sources About Corgi

3. [Directors & Officers (D&O) Insurance for Startups](https://www.corgi.insure/directors-and-officers). 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.

Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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