Corgi vs Embroker Professional Liability (E&O) Insurance

Corgi's E&O catalogue entry publishes no deductible or exclusion detail; Embroker describes a deductible structure and specific exclusions.

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 Embroker?

Embroker is a business insurance broker and online platform serving startups, technology companies and professional-services firms, with proprietary programs and broker-assisted placements. ^7,^8,⁹

Read the Embroker profile

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

Professional errors and omissions (E&O) insurance, also called professional liability insurance, addresses claims that professional services or advice caused a client financial loss. What's covered depends on the services actually scheduled in the policy, not the product label alone. ^11,^12,^13,¹⁴

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Key Differences in Professional Liability (E&O) Insurance

Published Structure Versus a Catalog Line

Corgi's reviewed pages describe Miscellaneous E&O in one repeated sentence across its homepage and startup-insurance page, with no limit, retention or illustrative structure published. Embroker instead describes a specific deductible structure for its professional liability policy, including an aggregate deductible capped once annually or a first-dollar-defense option that applies the deductible only to damages, not legal costs. ² ¹⁰

What the Policy Excludes

Corgi's reviewed pages do not list exclusions for Miscellaneous E&O beyond its one-sentence description. Embroker names specific exclusions instead: personal injury or property damage (handled by general liability), cyberattacks and data breaches (needing a separate cyber policy for full protection), employee injuries, and employee discrimination claims (handled by EPLI). ⁶ ¹⁰

Who Each One Targets

Corgi positions Miscellaneous E&O as a catch-all for professional-liability exposure not covered by its technology-, real-estate-, or legal-specific E&O products, without naming industries or professions. Embroker markets the policy to anyone providing professional advice or services for a fee, listing accountants, bookkeepers, consultants, real estate agents and home inspectors, while noting lawyers and doctors typically use specialized malpractice coverage instead. ⁶ ¹⁰

What to Confirm in Professional Liability (E&O) Insurance Quotes

Ask Corgi for the specific insurer, limit and retention for Miscellaneous E&O, since the reviewed pages disclose none of these. ¹
Ask Embroker for the exact deductible dollar amount and whether the aggregate or first-dollar-defense option applies to your policy. ¹⁰
Confirm whether your profession is excluded from Embroker's general professional liability, since the page directs lawyers and doctors to different products. ¹⁰
Ask Corgi whether Miscellaneous E&O is the right catalog entry for your business, or whether its Real Estate E&O or Lawyer E&O products fit better. ²

Offering Details

Corgi vs Embroker Professional Liability (E&O) Insurance: documented features by provider

Criteria	Corgi Miscellaneous E&O	Embroker Professional Liability Insurance
Role in This Line	Corgi lists Miscellaneous E&O as a specialty coverage quoted with a 1-14 day turnaround, separate from its instant-quote Tech & AI Liability product and from its Real Estate E&O and Lawyer E&O products, which target specific professions. ^2,⁶Company-reported. Homepage and startup-insurance page policy-card labeling as of 2026-09-23. No dedicated product page was found; direct URL guesses (/miscellaneous-errors-and-omissions, /misc-eo) returned 404s.	Embroker sells professional liability, also called errors and omissions insurance, as a standalone product for professional-services businesses, separate from its lawyers professional liability program and its bundled technology E&O/cyber product. ¹⁰Company-reported. Product-page description; not a statement about the issuing insurer.
Issuing Insurer	No page names the carrier that issues Miscellaneous E&O coverage. Corgi's general disclosures say coverage may be underwritten by affiliated carriers, including Technology Risk Retention Group, or by third-party partner carriers depending on product, jurisdiction, and risk profile, without identifying which applies to this line. ¹Not publicly disclosed. Disclaimers page general underwriting disclosure, checked for a line-specific statement and finding none as of 2026-09-23.	Not described in the reviewed sources.
Who It’s For	Corgi targets Miscellaneous E&O at service-based businesses generally, positioned as a catch-all for professional-liability exposure not covered by its technology-, real-estate-, or legal-specific E&O products. ^2,⁶Company-reported. Catalog description; no industry, size, or state restrictions are published for this line.	Embroker markets the policy to anyone who provides professional advice or services for a fee, listing accountants, bookkeepers, consultants, real estate agents, home inspectors, and IT and healthcare professionals as example buyers, while noting lawyers and doctors typically use specialized malpractice coverage instead. ¹⁰Company-reported. Product-page eligibility and industry-example sections; not a guarantee of coverage for a particular business.
Coverage Features	Corgi describes Miscellaneous E&O as broad professional liability coverage for service-based businesses facing claims of negligence, errors, or failure to perform professional services, distinct from its named Tech E&O, Real Estate E&O, and Lawyer E&O products. ^2,⁶Company-reported. One-sentence catalog description; no policy form, insuring agreement, exclusion, or claims-made/occurrence trigger is published for this line.	Embroker lists coverage for claims of errors, omissions or negligence, failing to meet expected standards or deadlines, false or misleading statements, breach of contractual obligations, and attorney fees from covered claims. ¹⁰Company-reported. Product-page What's covered section; the issued policy and declarations control. Embroker says the policy does not cover personal injury or property damage (handled by general liability), cyberattacks and data breaches (some tech E&O policies offer limited cyber coverage, but full protection needs a separate cyber policy), employee injuries, or employee discrimination claims (handled by EPLI). ¹⁰Company-reported. Product-page What's not included and 'Do I need Professional Liability insurance if I already have General Liability coverage?' sections.
Limits and Retentions	No limit, retention, or illustrative policy structure is published for Miscellaneous E&O, unlike Corgi's Tech E&O and Umbrella pages, which show example limits. ^2,⁶Not publicly disclosed. Reviewed pages as of 2026-09-23; limits would appear on an actual quote.	Embroker says the policy carries a deductible, that a higher deductible generally lowers the premium, and that buyers can choose an aggregate (once-annually capped) deductible or a first-dollar-defense option that applies the deductible only to damages, not legal costs. ¹⁰Company-reported. Product-page 'Does it have a deductible?' section; specific dollar limits and deductible amounts are not published and depend on underwriting.
Risk Services	The reviewed pages do not describe risk-management or claims-handling services specific to Miscellaneous E&O policyholders. ^2,⁶Not found in reviewed sources. Homepage and startup-insurance page as read on 2026-09-23; general claims-handling disclosures on the disclaimers page are not specific to this line.	Not described in the reviewed sources.
How to Apply	Miscellaneous E&O sits outside Corgi's instant-quote flow; the site groups it with policies quoted in 1-14 days rather than through the self-serve online application used for its core coverages. ^2,⁶Company-reported. Homepage and startup-insurance page policy-card labeling.	Embroker offers an online quote for professional liability through its digital platform, describing underwriting factors including business size, industry risk, location and claims history. ¹⁰Company-reported. Product-page 'Quick quotes' feature and cost-factor list; no quote was requested during this research.

Full Comparison

More Corgi vs Embroker Comparisons

Other Professional Liability (E&O) Insurance Comparisons

Sources

Corgi

Disclaimers & Licensing. Corgi Insurance; Carrier Financial Strength; How Insurance Is Provided Through Corgi; Specialty Insurance Carrier and Underwriting Disclosures. Accessed 2026-09-23.
Corgi Insurance: Startup Insurance, Quoted in Minutes. Corgi Insurance; Explore Our Main Policies list: "1-14 days turnaround Miscellaneous E&O" card, alongside Real Estate E&O and Lawyer E&O as separate professional-liability products. 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.
Startup Insurance | Corgi Insurance. Corgi Insurance; Specialized Coverages section: "1-14 days turnaround Miscellaneous E&O — Broad professional liability coverage for service-based businesses facing claims of negligence, errors, or failure to perform professional services.". Accessed 2026-09-23.

Embroker

Embroker. Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
Terms And Conditions. Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
Embroker Access. Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
Professional Liability Insurance Coverage & Quotes. Embroker; Why it's essential; Who needs this coverage; What is Professional Liability insurance?; What's covered; What's not included; Do I need Professional Liability insurance if I already have General Liability coverage?; Does it have a deductible? Accessed 2026-09-23.

Professional Liability (E&O) Insurance Guide

FAQ: Professional liability insurance. Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
Professional liability insurance. Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
Professional Liability – US Direct Errors and Omissions Insurance. Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.