---
title: "Corgi vs Coverdash Tech E&O Insurance"
description: "Corgi’s instant-quote Tech E&O uses TRRG paper and lists contract and AI exclusions; Coverdash brokers a digital quote without published limits."
canonical: "https://spot.insure/compare/corgi-vs-coverdash/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/corgi-vs-coverdash/technology-errors-omissions)

# 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.

## Research Scope and Use

Use this comparison to evaluate Corgi and Coverdash for Tech E&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Corgi sells Tech E&O as an instant-quote policy, primarily through Technology Risk Retention Group, with illustrative $1 million / $2 million limits. Coverdash arranges Tech E&O as a broker via a digital purchase path and does not name an insurer or publish limits. [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [9](https://www.coverdash.com/terms "Terms And Conditions") [10](https://www.coverdash.com/coverage/tech-eo "Tech E&O Insurance")

## 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](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [3](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [4](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [5](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups")

[Corgi profile](https://spot.insure/insurance-providers/corgi)

## 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](https://www.coverdash.com/faq "Frequently Asked Questions") [8](https://www.coverdash.com/about "About Us") [9](https://www.coverdash.com/terms "Terms And Conditions")

[Coverdash profile](https://spot.insure/insurance-providers/coverdash)

## 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](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [13](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [14](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management")

## 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](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [9](https://www.coverdash.com/terms "Terms And Conditions") [10](https://www.coverdash.com/coverage/tech-eo "Tech E&O Insurance")

### 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](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [10](https://www.coverdash.com/coverage/tech-eo "Tech E&O Insurance")

### 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](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [10](https://www.coverdash.com/coverage/tech-eo "Tech E&O Insurance")

## 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](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance")
- Ask Coverdash which carrier issues the policy and for numeric limits; the public page does not publish them. [10](https://www.coverdash.com/coverage/tech-eo "Tech E&O Insurance")
- Compare Corgi’s illustrative $10,000 retention and defense-inside-the-limit treatment with Coverdash’s declarations. [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance")
- 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](https://www.coverdash.com/coverage/tech-eo "Tech E&O Insurance") [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance")

## Offering Details

| 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](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: 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](https://www.coverdash.com/terms "Terms And Conditions") [10](https://www.coverdash.com/coverage/tech-eo "Tech E&O Insurance") (Evidence: Company-reported; scope: 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. [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: 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. [10](https://www.coverdash.com/coverage/tech-eo "Tech E&O Insurance") (Evidence: Not publicly disclosed; scope: 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. [10](https://www.coverdash.com/coverage/tech-eo "Tech E&O Insurance") (Evidence: Company-reported; scope: 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. [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: Illustrative scenario notes on the Tech E&O product page; the issued policy and declarations control the actual trigger..)<br><br>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. [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: 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. [10](https://www.coverdash.com/coverage/tech-eo "Tech E&O Insurance") (Evidence: Company-reported; scope: Product-page coverage cards; the issued policy and declarations control actual wording, limits, exclusions and whether the policy is claims-made..)<br><br>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. [11](https://www.coverdash.com/coverage "Coverage Hub") (Evidence: Company-reported; scope: 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. [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: 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. [10](https://www.coverdash.com/coverage/tech-eo "Tech E&O Insurance") (Evidence: Not publicly disclosed; scope: 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. [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") (Evidence: Not found in reviewed sources; scope: 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. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: 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. [10](https://www.coverdash.com/coverage/tech-eo "Tech E&O Insurance") (Evidence: Company-reported; scope: Product-page company information and cross-sell section..) |

## Full Comparison

- [Corgi vs Coverdash](https://spot.insure/compare/corgi-vs-coverdash): all coverage lines, business roles, service and claims.
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology E&O insurance addresses claims that a problem with your technology product or service caused a customer financial loss.
- [Corgi vs Coverdash Business Owner’s Policy](https://spot.insure/compare/corgi-vs-coverdash/business-owners-policy)
- [Corgi vs Coverdash Cargo and Transit Insurance](https://spot.insure/compare/corgi-vs-coverdash/cargo-transit)
- [Corgi vs Coverdash Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-coverdash/commercial-auto)
- [Corgi vs Coverdash Crime Insurance](https://spot.insure/compare/corgi-vs-coverdash/crime)
- [Corgi vs Coverdash Cyber Insurance](https://spot.insure/compare/corgi-vs-coverdash/cyber)
- [Corgi vs Coverdash D&O Insurance](https://spot.insure/compare/corgi-vs-coverdash/directors-officers)
- [Corgi vs Coverdash Employment Practices Liability Insurance](https://spot.insure/compare/corgi-vs-coverdash/employment-practices)
- [Corgi vs Coverdash Fiduciary Liability Insurance](https://spot.insure/compare/corgi-vs-coverdash/fiduciary)
- [Corgi vs Coverdash General Liability Insurance](https://spot.insure/compare/corgi-vs-coverdash/general-liability)
- [Corgi vs Coverdash Liquor Liability Insurance](https://spot.insure/compare/corgi-vs-coverdash/liquor-liability)
- [Corgi vs Coverdash Media Liability Insurance](https://spot.insure/compare/corgi-vs-coverdash/media)
- [Corgi vs Coverdash Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-coverdash/professional-errors-omissions)
- [Corgi vs Coverdash Representations and Warranties Insurance](https://spot.insure/compare/corgi-vs-coverdash/representations-warranties)
- [Corgi vs Coverdash Umbrella and Excess Liability Insurance](https://spot.insure/compare/corgi-vs-coverdash/umbrella-excess)
- [Corgi vs Coverdash Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-coverdash/workers-compensation)
- [Alliance Risk vs Corgi Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/technology-errors-omissions)
- [Alliance Risk vs Coverdash Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-coverdash/technology-errors-omissions)
- [Amelia Risk vs Corgi Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/technology-errors-omissions)
- [Amelia Risk vs Coverdash Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-coverdash/technology-errors-omissions)
- [At-Bay vs Corgi Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-corgi/technology-errors-omissions)
- [At-Bay vs Coverdash Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-coverdash/technology-errors-omissions)

## Sources

### Corgi

1. [Disclaimers & Licensing](https://www.corgi.insure/disclaimers). 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.
2. [Corgi Insurance: Startup Insurance, Quoted in Minutes](https://www.corgi.insure). 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.
3. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
4. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
5. [Insurance Topics: Risk Retention Groups](https://content.naic.org/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.
6. [Tech E&O Insurance for Startups | Corgi Insurance](https://www.corgi.insure/tech-eo). 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

7. [Frequently Asked Questions](https://www.coverdash.com/faq). Coverdash; Getting a quote & buying coverage; Claims & certificates; Billing & managing your policy; About Coverdash. Accessed 2026-09-15.
8. [About Us](https://www.coverdash.com/about). Coverdash; How Coverdash Works: direct and embedded channels; Our Investors. Accessed 2026-09-15.
9. [Terms And Conditions](https://www.coverdash.com/terms). Coverdash; "Coverdash does not provide any underwriting services"; broker/agent of record designation. Accessed 2026-09-23.
10. [Tech E&O Insurance](https://www.coverdash.com/coverage/tech-eo). 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.
11. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Professional & Management category listing Tech E&O separately from Professional Liability. Accessed 2026-09-23.

### Tech E&O Insurance Guide

12. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). 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.
13. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). 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.
14. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). 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.

Updated 2026-09-23. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/corgi-vs-coverdash/technology-errors-omissions.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)