Coalition vs Corgi: How Do They Compare for Tech E&O Insurance?

Corgi sells Tech E&O stand-alone with an instant online quote and illustrative limits up to $1 million; Coalition sells it only combined with its Active Cyber policy, through appointed brokers or a consultation.

Corgi lets pre-seed and seed startups get an instant online quote for standalone Tech E&O, but its standard form excludes breach-of-contract, SLA and IP claims unless you add endorsements; Coalition sells Tech E&O only with its Active Cyber policy, through brokers. Coalition's wording names contract and licensed-code IP claims as covered. ^4,^5,¹

What Are the Key Differences Between Coalition and Corgi Tech E&O Insurance?

Instant Standalone Quote vs Cyber-Required Bundle

Corgi sells Tech E&O as a standalone policy with an instant online quote and includes it in every startup package from the pre-seed and seed tier. Coalition sells Tech E&O only combined with its Active Cyber Insurance, through appointed brokers. Choose Corgi if you're an early startup that wants E&O online today; choose Coalition if you want E&O and cyber together and your customer contracts put SLAs or licensed code at risk. ⁴ ⁵ ¹

Contract and IP Claims

Coalition says its Tech E&O covers third-party losses from software bugs, delivery delays, IP claims over licensed code, implementation errors and failure to meet contract requirements. Corgi's standard form is narrower on exactly those points: ¹

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. ⁴Company-reported. Tech E&O policy notes and Available Add-ons section; endorsement availability varies by jurisdiction and underwriting.

If a customer is likely to sue you over a missed SLA, a Corgi policy without those endorsements may not respond. ⁴

Published Limits vs Included Monitoring

Corgi shows illustrative limits of $1 million per claim and $2 million aggregate with a $10,000 retention. Coalition publishes no Tech E&O limits but includes Coalition Control, with attack-surface monitoring, vendor-risk monitoring and zero-day alerts, at no extra cost. ⁴ ³

What Should You Confirm in Coalition and Corgi Tech E&O Insurance Quotes?

Ask Corgi which contract, IP, AI and data-breach endorsements are on your quote. ⁴
Ask Coalition which insurer issues its Tech E&O; its disclaimer lists no admitted (state-licensed) Tech E&O option. ² ¹
If a customer contract requires an admitted, AM Best-rated insurer, ask Corgi for its partner option instead of Technology Risk Retention Group. ⁴

Coalition vs Corgi Tech E&O Insurance Compared

Coalition vs Corgi: Tech E&O Insurance: documented features by provider

Criteria	Coalition Technology Errors & Omissions Coverage	Corgi Tech E&O
How to Apply	Coalition markets Tech E&O only combined with Active Cyber Insurance, not as a stand-alone policy, and directs interested buyers to schedule a consultation or work through an appointed broker. ¹Company-reported. Tech E&O product page as read on 2026-09-23.	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. ⁵Company-reported. Homepage policy-card labeling as of 2026-09-23.
Coverage Features	Coalition says Tech E&O covers third-party financial losses from errors, omissions, or negligence in technology products or services, listing example causes including software bugs, delivery delays, IP claims over licensed code, IT-service implementation errors, and failure to meet contract requirements. ¹Company-reported. Tech E&O product page as read on 2026-09-23; the issued policy and endorsements control actual coverage.	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. ⁴Company-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. ⁴Company-reported. Tech E&O policy notes and Available Add-ons section; endorsement availability varies by jurisdiction and underwriting.
Role in This Line	Coalition designs and distributes Tech E&O as a coverage that combines with its own cyber policy, sold through appointed brokers rather than direct to buyers. ¹Company-reported. Tech E&O product page as read on 2026-09-23.	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. ^4,⁵Company-reported. Tech E&O product page and homepage package contents; package composition may change.

Criteria

Coalition Technology Errors & Omissions Coverage

Corgi Tech E&O

How to Apply

Coalition markets Tech E&O only combined with Active Cyber Insurance, not as a stand-alone policy, and directs interested buyers to schedule a consultation or work through an appointed broker. ¹Company-reported. Tech E&O product page as read on 2026-09-23.

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. ⁵Company-reported. Homepage policy-card labeling as of 2026-09-23.

Coverage Features

Coalition says Tech E&O covers third-party financial losses from errors, omissions, or negligence in technology products or services, listing example causes including software bugs, delivery delays, IP claims over licensed code, IT-service implementation errors, and failure to meet contract requirements. ¹Company-reported. Tech E&O product page as read on 2026-09-23; the issued policy and endorsements control actual coverage.

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. ⁴Company-reported. Illustrative scenario notes on the Tech E&O product page; the issued policy and declarations control the actual trigger.

Role in This Line

Coalition designs and distributes Tech E&O as a coverage that combines with its own cyber policy, sold through appointed brokers rather than direct to buyers. ¹Company-reported. Tech E&O product page as read on 2026-09-23.

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. ^4,⁵Company-reported. Tech E&O product page and homepage package contents; package composition may change.