Corgi vs 
Cowbell: How Do They Compare for Tech E&O Insurance?
Cowbell Prime Tech is non-admitted, blends tech E&O with cyber, offers limits up to $5M for firms with up to $1B in revenue, and is sold through agents. Corgi sells stand-alone Tech E&O with an instant online quote.
Corgi quotes Tech E&O instantly online for startups, but its base policy excludes pure contract or SLA breaches, IP, data-breach and AI claims unless you add endorsements; Cowbell's Prime Tech, sold through agents, combines Tech E&O and cyber with contract and IP cover and limits up to $5 million. 1,3,4
What Are the Key Differences Between Corgi and Cowbell Tech E&O Insurance?
Instant Online Quote vs Agent-Sold Combined E&O and Cyber
Corgi sells Tech E&O as a standalone policy you can quote instantly online, and also includes it in its startup packages; its illustration shows $1 million / $2 million limits. Cowbell's Prime Tech combines Tech E&O and cyber in one policy for tech businesses with up to $1 billion in revenue, with limits up to $5 million, sold through agents as surplus lines (fewer state protections). Choose Corgi if you're an early-stage startup that wants cover today; choose Cowbell if you need higher limits or cyber in the same policy. 1 2 3
Contract and IP Excluded Unless Endorsed vs Included
Corgi's standard policy excludes claims arising solely from breach of contract or SLA failure, and IP infringement; you can buy endorsements that add back contract/SLA claims and copyright and trademark infringement. Cowbell says Prime Tech includes expansive breach-of-contract and IP infringement cover and doesn't exclude guarantees, consequential damages or breached warranties. If your customer contracts include SLAs, a base Corgi policy may not respond; add the endorsement or compare Cowbell. 1 3
What Should You Confirm in Corgi and Cowbell Tech E&O Insurance Quotes?
- Ask Corgi which endorsements are on your quote and which insurer issues it. Corgi's Tech E&O is primarily written by Technology Risk Retention Group, an insurer owned by its policyholders, or an affiliated partner rated A- or better. 1
- Ask Cowbell's agent whether you're quoted Prime Tech, Prime Tech Plus or both, and which insurer issues it. 3
- Compare Corgi's $1 million / $2 million illustration with Cowbell's $5 million, and check your revenue against Cowbell's $1 billion cap. 1 3
- Read both forms' warranty and IP wording before you choose. 3 1
Corgi vs Cowbell Tech E&O Insurance Compared
Corgi vs Cowbell: Tech E&O Insurance: documented features by provider
| Criteria | Corgi Tech E&O | Cowbell Prime Tech / Prime Tech Plus |
|---|---|---|
| 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. 1Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations. | Cowbell states Prime Tech offers limits up to $5M, and Prime Tech Plus (the excess layer) also offers limits up to $5M above the underlying primary policy. 3,4Company-reported. Product overview PDFs. |
| 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. | Cowbell says Prime Tech is available on a surplus-lines basis in all 50 states and is distributed through agents rather than direct to businesses. 3Company-reported. 'Prime Tech Coverage Benefits' list, first bullet. |
| 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. 1Company-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. 1Company-reported. Tech E&O policy notes and Available Add-ons section; endorsement availability varies by jurisdiction and underwriting. | Cowbell lists Prime Tech coverage for delay in delivery, negligence, misrepresentation, breach of warranty/contract, product failures, and software copyright disputes, plus associated cyber-related costs like cyber extortion, data restoration, social engineering, and business interruption. 3Company-reported. Prime Tech FAQ, 'What coverage is offered?' and 'other associated costs' lists. Cowbell says Prime Tech includes duty to defend, defense costs for privacy-related regulatory proceedings, contractual-indemnity coverage, expansive breach-of-contract coverage, broad intellectual-property infringement coverage, and no exclusions for guarantees, consequential damages, or breach of warranties. 3Company-reported. 'Prime Tech Coverage Benefits' list; illustrative, subject to the issued policy. |
| 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. 1,2Company-reported. Tech E&O product page and homepage package contents; package composition may change. | Cowbell markets Prime Tech as a non-admitted professional-indemnity product that combines Technology Errors & Omissions (E&O) with cyber coverage in one policy, and Prime Tech Plus as a follow-form excess layer that sits above a primary Tech E&O/cyber policy. 3,4Company-reported. Prime Tech and Prime Tech Plus overview PDFs. |
