Corgi vs Embroker

Corgi offers business insurance for technology companies and startups, with packages for pre-seed and seed, Series A, and growth-stage businesses, plus a custom option. ^2,3,6,15

In August 2026, Corgi announced product filings for offices, retail, restaurants, personal services, self-storage, wholesalers, community associations, and small rental properties. Availability depends on the product and state. ⁹

Embroker is a business insurance broker and online platform for buying and managing coverage. It serves funded startups, technology companies, law firms, investment firms and other professional-services businesses. You can apply online or get help arranging insurance from its brokers. ^23,24,26

Corgi’s startup packages combine general liability, directors and officers, technology errors and omissions, cyber, media, employment practices, fiduciary, and hired and non-owned auto coverage. Its technology offering includes a Tech & AI Liability module. ^2,8,10

Corgi’s D&O page describes claims-made coverage for directors, officers, and the company under form CORG-DO-0100, issued by Technology Risk Retention Group. The example has defense costs within the policy limit and a $25,000 per-claim retention—the portion of a claim you pay. Your quote and policy set the actual terms. ⁵

Risk retention groups can write business liability insurance for their members. They cannot provide other types of insurance, such as property coverage, so a package with those products needs another insurer. ^19,21

Embroker’s August 2026 Management Insurance Suite (EMIS) brings D&O, employment practices, fiduciary liability and, for eligible technology companies, Tech E&O/Cyber into one application. Buyers may select individual coverages or a bundle. ³¹

The broker Tech E&O/Cyber program targets private, for-profit technology companies with revenue below $300 million. It requires multifactor authentication for accounts above $5 million in revenue and excludes businesses involved in crypto, blockchain or cannabis. ³³

Embroker’s retail Tech E&O page lists intellectual-property infringement, copyright and libel among exclusions, while its broker program advertises software-code infringement coverage. The public descriptions do not reconcile that difference; request the proposed form and endorsements for your activities. ^34,33

Embroker describes an AI endorsement for eligible Tech E&O/Cyber quotes addressing AI services, discrimination allegations and regulatory-investigation defense. It advertises up to $150,000 for algorithm-removal expenses. Obtain the endorsement to check triggers, exclusions and how that sublimit relates to the policy limit. ⁴⁰

Embroker Access advertises up to $5 million of excess Tech E&O/Cyber above eligible underlying insurance. Its appetite requires a primary limit of at least $1 million and Tech E&O, with or without cyber; cyber-only underlying insurance is ineligible. ³⁵

The retail Tech E&O FAQ says Embroker’s excess product cannot sit above an Embroker primary policy. An Embroker primary buyer therefore needs a separate answer about how to obtain higher limits. ³⁴

The broker lawyers’ professional liability (LPL) program lists firms with 1–25 attorneys, no claims or law-license disciplinary actions, a physical address and risk-management and docket controls. It advertises pre-claim assistance without a deductible and defense-cost options. ³⁶

The public Everest LPL specimen uses claims-made coverage: its insuring agreement ties protection to when a claim is made and reported and to a retroactive date for the underlying work. Its base wording makes claim expenses reduce the liability limit. Current marketing also describes defense costs outside the limit, so check which endorsements your quote includes. ^37,36

The main catalogue offers business owner’s policies, general liability, commercial crime, cyber, D&O, employment practices, fiduciary liability, professional liability (including lawyers’ liability), Tech E&O/Cyber and workers’ compensation. ³⁰

Embroker also has direct offerings for commercial auto, commercial property, product liability, surety bonds and key person life insurance, plus venture capital asset protection (VCAP) for investment firms. ^{43,44,46,45,42,47}

The technology package combines Tech E&O/Cyber with a business owner’s policy. The law-firm package groups lawyers’ professional liability, cyber, a business owner’s policy and workers’ compensation. The package names do not establish identical terms across industries. ^39,38

Corgi says customers can add or upgrade policies through its dashboard as they raise funding, hire, or sign larger contracts. Renewal and cancellation terms depend on the policy and state rules. ^2,1

EMIS replaces the two previous management-liability offerings for new customers. Embroker says existing policyholders can continue renewing their legacy products; switching to EMIS requires a new-business application. ³¹

The FAQ describes downloadable policies and certificates for accounts where Embroker is the broker of record. Custom certificate wording may require a policy endorsement first. ²⁶

Renewals vary: some policies renew through the insurer, while others need a fresh application and underwriting. Embroker describes reviewing the proposal, accepting it and paying or arranging financing; the new policy’s effective date controls when the renewal begins. ²⁶

If you move to another broker, Embroker says you lose account-based certificate issuance and policy-change functions. A replacement broker outside Embroker Access may also be unable to renew proprietary products. ²⁶

Corgi Insurance Services may receive commissions or fees from the insurer or the customer. You can ask for the type and amount of compensation on your policy. ¹

Corgi lists typical annual prices of $2,000–$5,000 for eligible pre-seed and seed startups and $5,000–$15,000 for Series A companies. Your price depends on the business, state, coverage, limits, and other underwriting details. ^2,6,7

Embroker’s software is free. Insurance services can generate insurer commissions, contingent compensation linked to business results, and supplemental commissions. Embroker may also negotiate client fees alongside or instead of commissions, approved before binding, usually in writing. ²⁵

Payment processors and premium-finance lenders can add their own charges. Ask for the total cost and installment terms separately from Embroker’s compensation. ²⁴

Corgi describes a claims team that helps with reporting an incident, documentation, legal coordination, and progress updates. An affiliated team or third-party administrator may handle the claim; the insurer named in the policy remains responsible for coverage decisions and payment. ^1,2,12

Embroker directs customers to their account’s Claims tab for reporting instructions. For an active cyber event, it says to use the hotline in the policy; other claims can be reported to the insurer using policy contacts. ⁴¹

The claims page promises a written coverage determination within 30 days of reporting, but its FAQ gives no fixed time to resolve a claim. A coverage decision is not a payment deadline, and the website statement is not independent evidence of claims performance. ⁴¹