Corgi vs Coverdash D&O Insurance

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. ⁶Company-reported. Product page for form CORG-DO-0100, last reviewed by Corgi on April 24, 2026 per the page itself.

Coverdash arranges standalone directors and officers coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. ^9,10Company-reported. General brokerage terms applied to the D&O page; not specific to any one carrier or state.

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. ⁶Company-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.

The directors and officers page does not name the insurer that issues the policy. ¹⁰Not publicly disclosed. Reviewed directors and officers page as of 2026-09-23; the page describes coverage without naming a specific carrier.

Not described in the reviewed sources.

Coverdash says any company with a board, investors or executives making decisions on its behalf needs D&O, and that it is frequently required as a condition of funding. ¹⁰Company-reported. Product-page eligibility description; actual acceptance depends on underwriting and the specific funding or governance situation.

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. ⁶Company-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. ⁶Company-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. ⁶Company-reported. Policy notes for form CORG-DO-0100; informal inquiries and document requests that don't rise to these triggers are not covered.

Coverdash describes directors and officers coverage as protecting the company's directors, officers and the company itself against claims that a leadership decision caused financial harm, suits from investors or shareholders, and regulatory investigations, and pays defense costs and settlements for covered claims. ¹⁰Company-reported. Product-page coverage cards; the issued policy and declarations control actual wording, limits and exclusions.

Coverdash sells this standalone Directors & Officers product separately from its bundled management liability product, which adds optional employment-practices, fiduciary and crime coverage on top of the D&O core. ¹⁰Company-reported. Comparison of the directors-and-officers and management-liability product pages; does not establish which structure is cheaper or better suited to a given company.

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. ⁶Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations.

The directors and officers page does not publish specific limit, retention or deductible amounts. ¹⁰Not publicly disclosed. Reviewed directors and officers page as of 2026-09-23; figures are quote-specific and not shown on the public product page.

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). ⁶Company-reported. Available Add-ons section of the product page; endorsement availability varies by jurisdiction and underwriting, and each requires a separate endorsement to apply.

Not described in the reviewed sources.

You can request a D&O quote online through Corgi's self-serve application. ⁶Company-reported. Product page quote call to action.

Coverdash describes a fully digital quote-to-purchase process for directors and officers coverage, with the option to add other coverages alongside it. ¹⁰Company-reported. Product-page company information and cross-sell section.