Corgi vs Embroker: How Do They Compare for Tech E&O Insurance?

Embroker sells blended Tech E&O and cyber directly or via brokers, with limits up to $5 million for private tech firms under $300 million in revenue. Corgi sells stand-alone Tech E&O with an instant quote and illustrative limits to $1 million.

Corgi gives pre-seed and seed startups an instant tech E&O quote, standalone or in a package, with illustrative limits of $1 million per claim. Embroker combines tech E&O and cyber in one policy with limits up to $5 million, for private tech companies under $300 million in revenue. ^1,^3,⁴

What Are the Key Differences Between Corgi and Embroker Tech E&O Insurance?

Instant Startup Quote vs Blended E&O and Cyber for Growing Firms

Corgi sells tech E&O as a standalone instant-quote policy and inside pre-seed and seed startup packages. Embroker sells tech E&O and cyber as one blended policy, directly online and through brokers on Embroker Access, to private for-profit tech companies, including fintech, AI, digital health, HR tech and SaaS, under $300 million in revenue. Choose Corgi if you are an early-stage startup that wants cover in minutes; choose Embroker if you need cyber on the same policy or limits above $1 million. ¹ ² ³ ⁴

$1 Million Illustration vs Up to $5 Million With Sub-Limits

Corgi illustrates $1 million per claim and $2 million aggregate with a $10,000 retention. Embroker advertises up to $5 million for most insuring agreements, with sub-limits for reputational harm, telecom fraud, social engineering, funds transfer fraud and bricking; its excess layer can’t sit above its own primary. ¹ ⁴ ³

No Published Screens vs MFA and Industry Exclusions

Corgi publishes no revenue cap for tech E&O. Embroker requires multifactor authentication once you pass $5 million in revenue and excludes crypto, blockchain and cannabis businesses. If you are in one of those industries, Embroker is out. ¹ ⁴

What Should You Confirm in Corgi and Embroker Tech E&O Insurance Quotes?

Ask Corgi which company issues your policy. It primarily uses Technology Risk Retention Group, an insurer owned by its policyholders that isn’t backed by state guaranty funds, or an A- rated partner. Also ask which endorsements apply. ¹
Ask Embroker whether you are on the retail or Embroker Access form, and how each treats IP and software-code infringement; its pages conflict. ³ ⁴
If you already have Embroker primary, you’ll need a different insurer for excess. ³

Corgi vs Embroker Tech E&O Insurance Compared

Corgi vs Embroker: Tech E&O Insurance: documented features by provider

Criteria	Corgi Tech E&O	Embroker Technology Errors and Omissions / Cyber Insurance
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.	Embroker's broker program advertises limits up to $5 million for most insuring agreements, with sub-limits of $1 million for reputational harm and telecommunications fraud, and $500,000 for social engineering, funds transfer fraud and bricking (which includes a $100,000 betterment sub-limit). ⁴Company-reported. Broker Access Coverage Highlights; retail underwriting limits were not separately disclosed on the reviewed retail page. Embroker offers excess Tech E&O/Cyber coverage above a primary policy, but its excess product cannot sit above an Embroker primary policy — buyers need an underlying Tech E&O or Tech E&O + Cyber policy from a different carrier before applying for excess. ³Company-reported. Retail 'What is excess Tech E&O / Cyber Insurance?' and 'How to apply' sections; a related excess-specific offering exists for management-liability but is treated separately here.
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.	Embroker offers a direct online quote through its digital platform, and separately appoints brokers through Embroker Access to place the same coverage for their clients. ^3,⁴Company-reported. Retail 'Quick quotes' feature and broker-portal 'Get Appointed' call to action; no quote or appointment was requested during this research.
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.	Embroker lists coverage for cyber liability (data breaches, cyber theft, cyber vandalism), professional negligence from product or tech errors, software or hardware defects, breach of contract, and losses from a delayed product launch. ³Company-reported. Retail product-page What's covered section; the issued policy and declarations control.
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.	Embroker sells Tech E&O/Cyber as a single blended policy directly to technology companies and also distributes it through appointed brokers via its Embroker Access broker portal. ^3,⁴Company-reported. Retail and broker-facing page descriptions; not a statement about the issuing insurer.