--- title: "Corgi vs Cowbell: Tech E&O Insurance" description: "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." canonical: "https://spot.insure/compare/corgi-vs-cowbell/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-29" comparison-pair: "corgi-vs-cowbell" provider-a: "corgi" provider-b: "cowbell" coverage-line: "technology-errors-omissions" --- 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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/corgi-vs-cowbell/technology-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Corgi and Cowbell for Tech E&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Tech E&O Insurance questions about Corgi versus Cowbell. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Corgi vs Cowbell for Tech E&O Insurance: how do they differ? - Which is better for Tech E&O Insurance, Corgi or Cowbell? - What does Corgi or Cowbell publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Tech E&O Insurance. Providers: Corgi and Cowbell. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29. **Related pages:** - [Corgi vs Cowbell](https://spot.insure/compare/corgi-vs-cowbell) — all coverage lines for this pair - [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — how this coverage works - [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile - [Cowbell profile](https://spot.insure/insurance-providers/cowbell) — provider profile # 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 startup Tech E&O instantly online but excludes contract, IP, data-breach and AI claims unless you add endorsements, while Cowbell's agent-sold Prime Tech combines E&O and cyber with contract and IP cover and limits up to $5 million. ## Corgi vs Cowbell Tech E&O Insurance Summary 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](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [3](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [4](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") ## 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](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") [3](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") ### 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](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [3](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") ## 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](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") - Ask Cowbell's agent whether you're quoted Prime Tech, Prime Tech Plus or both, and which insurer issues it. [3](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") - Compare Corgi's $1 million / $2 million illustration with Cowbell's $5 million, and check your revenue against Cowbell's $1 billion cap. [1](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [3](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") - Read both forms' warranty and IP wording before you choose. [3](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [1](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") ## Corgi vs Cowbell Tech E&O Insurance Compared | 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. [1](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..) | 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [4](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") (Evidence: Company-reported; scope: 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. [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..) | 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. [3](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") (Evidence: Company-reported; scope: '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. [1](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..)

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. [1](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..) | 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. [3](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") (Evidence: Company-reported; scope: 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. [3](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") (Evidence: Company-reported; scope: '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](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..) | 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [4](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") (Evidence: Company-reported; scope: Prime Tech and Prime Tech Plus overview PDFs..) | ## About Corgi and Cowbell and Tech E&O Insurance - [Corgi company profile](https://spot.insure/insurance-providers/corgi) · [Corgi customer reviews](https://spot.insure/insurance-providers/corgi/reviews) - [Cowbell company profile](https://spot.insure/insurance-providers/cowbell) · [Cowbell customer reviews](https://spot.insure/insurance-providers/cowbell/reviews) - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions) ## Related Pages for Corgi vs Cowbell Tech E&O Insurance - [Corgi vs Cowbell](https://spot.insure/compare/corgi-vs-cowbell): 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 errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review. - [Corgi Tech E&O Insurance](https://spot.insure/insurance-providers/corgi/technology-errors-omissions) - [Cowbell Tech E&O Insurance](https://spot.insure/insurance-providers/cowbell/technology-errors-omissions) ## Sources for Corgi vs Cowbell Tech E&O Insurance ### Sources About Corgi 1. [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. 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. ### Sources About Cowbell 3. [Prime Tech Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf). Cowbell; Product Overview; Risk Appetite; Prime Tech Coverage Benefits; Prime Tech FAQ (typical Tech E&O claims scenarios, coverage offered, associated costs). Accessed 2026-09-23. 4. [Prime Tech Plus Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf). Cowbell; Product Overview; Seamless excess protection; Tailored for technology providers; Risk Appetite industry list. Accessed 2026-09-23. Updated 2026-09-29. 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-cowbell/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)