Corgi vs Coverdash Tech E&O Insurance

Corgi’s instant-quote Tech E&O uses TRRG paper and lists contract and AI exclusions; Coverdash brokers a digital quote without published limits.

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. ^1,^2,^3,^4,⁵

Read the Corgi profile

What Is Coverdash Insurance?

Coverdash is an insurance brokerage and digital platform for small businesses, startups and e-commerce sellers. Buyers can compare quotes, purchase policies and manage coverage directly or through an embedded partner service. ^7,^8,⁹

Read the Coverdash profile

What Is Technology Errors and Omissions (E&O) Insurance?

Technology errors and omissions (E&O) insurance addresses claims that a technology product or service caused a customer or other third party a financial loss. It doesn't extend to cyber incidents, bodily injury or professional services outside the quoted product. ^12,^13,¹⁴

Read the full coverage guide

Key Differences in Tech E&O Insurance

Named RRG Versus Unnamed Carrier Placement

Corgi says Tech E&O is primarily underwritten by Technology Risk Retention Group, an unrated risk retention group, with optional placement to affiliated partner carriers rated A- or better. Coverdash arranges Tech E&O as a broker under standard brokerage terms and does not name the issuing insurer on the reviewed product page. ⁶ ⁹ ¹⁰

Base Exclusions Versus Performance-Failure Cards

Corgi’s standard form excludes claims arising solely from breach of contract or SLA failure, intellectual property infringement, data-breach liability and AI-related claims unless you buy add-on endorsements. Coverdash describes Tech E&O as covering software that did not perform as promised, late or off-spec projects, and client data mishandled or exposed through a security failure, including defense of groundless claims, without that endorsement menu on the reviewed page. ⁶ ¹⁰

Instant Package Versus Add-On Shopping

Corgi sells Tech E&O as a standalone instant-quote policy and also bundles it into every startup package from the pre-seed and seed tier. Coverdash describes a fully digital quote-to-purchase process and the option to add general liability or cyber alongside Tech E&O. ⁶ ² ¹⁰

What to Confirm in Tech E&O Insurance Quotes

Ask Corgi whether the issuer is TRRG or an A- rated partner, and whether contract, AI or IP endorsements are on the quote. ⁶
Ask Coverdash which carrier issues the policy and for numeric limits; the public page does not publish them. ¹⁰
Compare Corgi’s illustrative $10,000 retention and defense-inside-the-limit treatment with Coverdash’s declarations. ⁶
Confirm whether Coverdash’s “client data mishandled” wording is Tech E&O, cyber, or both, next to Corgi’s data-breach exclusion on the base form. ¹⁰ ⁶

Offering Details

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

Criteria	Corgi Tech E&O	Coverdash Tech E&O Insurance
Role in This Line	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. ^6,²Company-reported. Tech E&O product page and homepage package contents; package composition may change.	Coverdash arranges Tech E&O 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 Tech E&O page; not specific to any one carrier or state.
Issuing Insurer	Corgi says Tech E&O is primarily underwritten by Technology Risk Retention Group (TRRG), an unrated risk retention group; buyers who need admitted, AM Best-rated paper can instead be placed with affiliated partner carriers rated A- or better, subject to eligibility. ⁶Company-reported. Tech E&O FAQ on carrier rating; the actual issuing carrier for a given policy appears on the declarations page, not this page.	The Tech E&O page does not name the insurer that issues the policy. ¹⁰Not publicly disclosed. Reviewed Tech E&O page as of 2026-09-23; the page describes coverage without naming a specific carrier.
Who It’s For	Not described in the reviewed sources.	Coverdash markets Tech E&O to businesses that build, sell or service technology, naming SaaS companies, dev shops, IT providers and consultants as examples. ¹⁰Company-reported. Product-page eligibility description; actual acceptance depends on underwriting.
Coverage Features	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. ⁶Company-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. ⁶Company-reported. Tech E&O policy notes and Available Add-ons section; endorsement availability varies by jurisdiction and underwriting.	Coverdash describes Tech E&O as covering claims that a company's software didn't perform as promised, a project was late or didn't meet the agreed spec, or client data was mishandled or exposed through a security failure, and pays legal defense costs even for a groundless claim. ¹⁰Company-reported. Product-page coverage cards; the issued policy and declarations control actual wording, limits, exclusions and whether the policy is claims-made. Coverdash's coverage hub lists Tech E&O separately from its general professional liability product, targeting it specifically at technology businesses rather than professional-service firms generally. ¹¹Company-reported. Coverage hub category structure; does not establish which product a given underwriter would actually issue for a mixed-model business.
Limits and Retentions	Corgi shows illustrative Tech E&O limits of up to $1 million per claim and $2 million aggregate, with a $10,000 self-insured retention per claim, and describes defense costs as included within the limit. ⁶Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations.	The Tech E&O page does not publish specific limit, retention or deductible amounts. ¹⁰Not publicly disclosed. Reviewed Tech E&O page as of 2026-09-23; figures are quote-specific and not shown on the public product page.
Risk Services	The reviewed Tech E&O page does not describe risk-management or loss-prevention services for policyholders beyond the glossary and FAQ content. ⁶Not found in reviewed sources. Tech E&O product page as read on 2026-09-23.	Not described in the reviewed sources.
How to Apply	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. ²Company-reported. Homepage policy-card labeling as of 2026-09-23.	Coverdash describes a fully digital quote-to-purchase process for Tech E&O, with the option to add coverages such as general liability or cyber alongside it. ¹⁰Company-reported. Product-page company information and cross-sell section.

Full Comparison

More Corgi vs Coverdash Comparisons

Other Tech E&O Insurance Comparisons

Sources

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: Startup Insurance, Quoted in Minutes. Corgi Insurance; Explore Our Main Policies: Tech & AI Liability card marked "Instant quote"; Coverage Designed Around Your Startup's Journey package contents listing Tech E&O. Accessed 2026-09-23.
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.
Tech E&O Insurance for Startups | Corgi Insurance. Corgi Insurance; What's Actually Inside Your Tech E&O Policy (form CORG-EO-0100 / CORG-TECH-0500); Scenario notes; Policy notes; Available Add-ons; Tech E&O Glossary; FAQ including carrier rating question. Accessed 2026-09-23.

Coverdash

Frequently Asked Questions. Coverdash; Getting a quote & buying coverage; Claims & certificates; Billing & managing your policy; About Coverdash. Accessed 2026-09-15.
About Us. Coverdash; How Coverdash Works: direct and embedded channels; Our Investors. Accessed 2026-09-15.
Terms And Conditions. Coverdash; "Coverdash does not provide any underwriting services"; broker/agent of record designation. Accessed 2026-09-23.
Tech E&O Insurance. Coverdash; Product introduction; Types of Coverage cards for Software failures, Missed deliverables, Data and security lapses, Legal defense; Who It's For industry list. Accessed 2026-09-23.
Coverage Hub. Coverdash; Professional & Management category listing Tech E&O separately from Professional Liability. Accessed 2026-09-23.

Tech E&O Insurance Guide

Insurance and Bonding Guidelines. Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16.
Technology Errors and Omissions Insurance. The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16.
DigiTech Enterprise Risk Management. Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. Accessed 2026-09-16.