Corgi vs Foxquilt
Corgi organizes startup packages around funding stages, with self-serve quoting and a specialist-demo route; its policy issuers vary by product and state. Foxquilt markets small-business CGL and E&O with online, agent and broker options. A startup comparing them should check the specific policies, insurer, jurisdiction and coverage limits rather than assuming either bundle fits. 2,25
Introduction
Corgi names startup stages from pre-seed and seed through Series A and growth, with a self-serve application or a specialist call. Foxquilt’s reviewed pages describe a broader small-business audience and online CGL and E&O quoting alongside agent and broker channels. For a founder assembling D&O, Tech E&O or cyber around a financing or customer contract, Corgi’s stage-based menu is more explicit; Foxquilt may be a route to compare for small-business liability needs. Neither package label confirms that the requested limits or terms are available. 2 24 28 25
Treat the catalogue table as marketed product categories, not interchangeable coverage. Foxquilt’s HNOA appears as a commercial-auto feature; its technology class is within broader E&O; umbrella is documented without establishing separate excess; cleaner-program mobile equipment is program-specific. Corgi also says its insurers differ by product and state, so check whether liability coverage uses a risk retention group and whether separate property paper is needed. 26 28 38 40 19 1
Coverage Comparison
| Coverage | Corgi | Foxquilt |
|---|---|---|
| Builders risk | Not listed | Listed 33Builder’s risk product page; policy-specific construction terms not established. |
| Business owner’s policy | Listed 2Corgi lists a business owner’s policy in its coverage catalog. | Listed 24Foxquilt’s About page lists Business Owner’s Policy among “Our Primary Coverages”; no current BOP-specific terms or bundled contents are established here. |
| Cargo and transit | Listed 2Corgi lists a cargo contractual liability product in its transportation offering. | Not listed |
| Commercial auto | Listed 2Corgi links to trucking auto-liability coverage from its transportation menu. | Listed 30Commercial auto product page; HNOA is not split out. |
| Commercial property | Not listed | Listed 32Commercial property product page. |
| Crime | Listed 2Corgi lists crime insurance among its main policies. | Listed 39,40Foxquilt has a Crime Insurance product page, which says crime can be a BOP add-on or an isolated policy; the ConvertLabs cleaner program also lists Crime/Bonds but describes crime only. No bond product is inferred. |
| Cyber liability | Listed 2Corgi lists cyber insurance among its business insurance offerings. | Listed 31Cyber product page; policy terms and limits not established. |
| Directors and officers | Listed 2Corgi lists directors and officers insurance among its business insurance offerings. | Not listed |
| Employment practices liability | Listed 2Corgi lists employment practices liability among its business-insurance offerings. | Not listed |
| Fiduciary liability | Listed 2Corgi lists fiduciary liability in its coverage catalog and package options. | Not listed |
| General liability | Listed 2Corgi lists commercial general liability among its business insurance offerings. | Listed 27,25Company CGL product page; line-specific CGL membership only. |
| Hired and non-owned auto | Listed 2Corgi lists hired and non-owned auto liability for employees using rented or personal vehicles for company business. | Listed 26Advertised as a Hired & non-owned feature beneath Foxquilt’s Commercial Auto card; no distinct HNOA policy or terms established. |
| Kidnap and ransom | Listed 2Corgi lists kidnap and ransom among its specialized business-insurance offerings. | Not listed |
| Liquor liability | Listed Corgi markets liquor liability for eligible veterans’ and fraternal lodges with licensed on-premises bars. | Not listed |
| Media liability | Listed 2Corgi lists media liability insurance among its coverage offerings. | Not listed |
| Medical malpractice | Listed 2Corgi markets medical malpractice insurance for health care professionals and organizations. | Not listed |
| Professional errors and omissions (E&O) | Listed 2Corgi lists miscellaneous errors and omissions coverage for service-based businesses. | Listed 28Professional E&O product page. |
| Representations and warranties | Listed 2Corgi lists representations and warranties insurance for M&A buyers and sellers. | Not listed |
| Technology errors and omissions (E&O) | Listed 2Corgi lists technology errors and omissions insurance for technology products and services. | Listed 28Technology/creative class within broader E&O; no separate technology form established. |
| Tools, equipment and inland marine | Not listed | Listed 24,40Foxquilt lists Inland Marine among primary coverages; the ConvertLabs cleaner program describes limited mobile-equipment coverage (also called Inland Marine) commonly used by janitorial providers. This does not establish broad standalone inland-marine terms. |
| Umbrella and excess liability | Listed 2Corgi lists commercial umbrella liability insurance. | Listed 24,38Foxquilt lists Umbrella/Excess in its primary-coverages list and has a current Umbrella Insurance page that distinguishes umbrella from excess. Membership is for marketed umbrella only; a separate excess product is not established. |
| Workers’ compensation | Listed 2Corgi lists workers’ compensation insurance. | Listed 29Workers’ compensation page; state requirements vary. |
A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.
Current Spot Scores
Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.
Corgi
Hybrid providerBroker
6.0/ 10Assessed provider: Corgi. Scope: Corgi Insurance Services, Inc. as producer and programme administrator, verified active in Texas, Pennsylvania and Colorado only, with Corgi Insurance Company, Inc. and Technology Risk Retention Group, Inc. as the separately disclosed risk-bearing entities. Capacity is assessed for three named channels and no others: coverages written on Corgi Insurance Company's own paper, where Georgia admitted and Pennsylvania surplus-lines authorisations are verified; coverages written by Technology Risk Retention Group, an Arizona-domiciled RRG registered in Georgia; and Pennsylvania placements with the three Employers-group carriers appointed to the producer entity. The unnamed partner carriers referenced in Corgi's disclaimer, and the carriers behind Corgi business in every other state, are not assessed. The Georgia producer identifier Corgi publishes did not resolve and is outside verified scope.
Carrier & MGA
5.5/ 10Assessed provider: Corgi. Scope: Corgi Insurance Services, Inc. as producer and programme administrator, verified active in Texas, Pennsylvania and Colorado only, with Corgi Insurance Company, Inc. and Technology Risk Retention Group, Inc. as the separately disclosed risk-bearing entities. Capacity is assessed for three named channels and no others: coverages written on Corgi Insurance Company's own paper, where Georgia admitted and Pennsylvania surplus-lines authorisations are verified; coverages written by Technology Risk Retention Group, an Arizona-domiciled RRG registered in Georgia; and Pennsylvania placements with the three Employers-group carriers appointed to the producer entity. The unnamed partner carriers referenced in Corgi's disclaimer, and the carriers behind Corgi business in every other state, are not assessed. The Georgia producer identifier Corgi publishes did not resolve and is outside verified scope.
Foxquilt
No Spot Score
Assessment subject unavailable
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Corgi
Review Score
Corgi has too little verified insurance-customer feedback to judge its service. Unrelated businesses and dog-breed results should not influence your decision.[1][2][3][4][5][6]
Read Corgi reviewsFoxquilt
Review Score
Foxquilt’s 3.5/5 Trustpilot score comes from eight reviews. Its Toronto BBB profile has no customer reviews; the A+ business grade measures something different. Neither establishes how U.S. commercial-policy customers fare.[5][6][7]
Read Foxquilt reviewsWhat Does Each Route Say About the Business?
Technology startups can compare Corgi packages for pre-seed/seed, Series A and growth stages, or ask about a custom option. 2,3,6,15Company-reported. Company website positioning and package names; named customer stories on the customers page are testimonials, not a verified book of business.
Small businesses in offices, retail, restaurants, personal services, self-storage, wholesale, community associations or rental properties may have a new Corgi option; its August 2026 filing announcement says state and product availability differ. 9Company-reported. Company-announced admitted-carrier appetite. Filing a product is not the same as confirmed availability in a given state.
Foxquilt says it serves small and midsize businesses and business-to-business networks. Its current CGL and E&O pages name contractors, e-commerce, personal services, consultants, technology and creative professionals, licensed professionals, and beauty and health services as target examples; listed classes are not guarantees of eligibility. 24,27,28Company-reported. Company-described North American small-business audience and example product classes; actual appetite depends on product, class, state and underwriting.
Corgi’s primary startup offer is organized by stage, and a separate August 2026 announcement describes small-business options across other classes with state and product variation. Foxquilt describes small-business CGL and E&O, including technology and creative professions in its broader E&O page. This difference may help founders decide where to start, but it does not show that either provider will accept a particular company. 2 9 24 28
Self-Service or a Conversation?
You can apply online or book a specialist call, and Corgi says eligible applicants may quote in minutes and buy the same day; confirm in writing whether coverage starts at policy issuance/payment or under a binder and the effective date. 2,1Company-reported. Company website process claims and Binding Authority and Policy Issuance disclosure, rechecked on 15 September 2026. The disclosure's first paragraph requires policy issuance and payment, while its next paragraph describes temporary binder coverage; this record does not resolve which conditions apply to a particular placement. Quote speed is not independently verified and is not the same as coverage being in force. A self-serve path is not evidence of zero producer commissions or fees.
You can add or upgrade policies through Corgi’s dashboard as funding, hiring or contract needs change; renewal and cancellation remain subject to your policy and state rules. 2,1Company-reported. Company description of post-bind servicing and cancellation. Actual endorsement terms remain in the policy. This does not establish a specific renewal guarantee or a finding that renewals are unavailable.
Foxquilt says customers can request and buy CGL and E&O online, with team assistance available, and receive documents after purchase. Its screens show example businesses, sample limits and prices; these are company illustrations, not quotes tested for a buyer or evidence that every risk can bind online. 27,28,23Company-reported. Company-reported CGL and E&O purchase workflow; no form was submitted and no quote or purchase was completed in this research.
Corgi advertises an online application and same-day binding for eligible applicants, while also offering a specialist demo. Foxquilt describes online quote and purchase paths for CGL and E&O and agent or broker distribution. Compare the help available before binding and the proof each route gives of effective date, issued policy and insurer; a fast quote or dashboard does not settle those policy questions. 2 1 23 25
Questions to Ask Before Choosing
- Which insurer and claims administrator will issue each Corgi policy, and does any proposed liability policy use Technology Risk Retention Group? If so, ask what that means for the property coverage you also need. 1 17 19
- Which Foxquilt forms and limits address the company's current startup contracts, technology services, and state? Confirm the named issuer, rather than relying on class or coverage labels. 28 25
- What information must you provide, when does coverage become effective, and what fees or producer compensation apply? 2 1 23 35
Compare Services
What each provider documents about the services you may need
| Criteria | Corgi | Foxquilt |
|---|---|---|
| Customer focus | Technology startups can compare Corgi packages for pre-seed/seed, Series A and growth stages, or ask about a custom option. 2,3,6,15Company-reported. Company website positioning and package names; named customer stories on the customers page are testimonials, not a verified book of business. Small businesses in offices, retail, restaurants, personal services, self-storage, wholesale, community associations or rental properties may have a new Corgi option; its August 2026 filing announcement says state and product availability differ. 9Company-reported. Company-announced admitted-carrier appetite. Filing a product is not the same as confirmed availability in a given state. | Foxquilt says it serves small and midsize businesses and business-to-business networks. Its current CGL and E&O pages name contractors, e-commerce, personal services, consultants, technology and creative professionals, licensed professionals, and beauty and health services as target examples; listed classes are not guarantees of eligibility. 24,27,28Company-reported. Company-described North American small-business audience and example product classes; actual appetite depends on product, class, state and underwriting. |
| Application process | You can apply online or book a specialist call, and Corgi says eligible applicants may quote in minutes and buy the same day; confirm in writing whether coverage starts at policy issuance/payment or under a binder and the effective date. 2,1Company-reported. Company website process claims and Binding Authority and Policy Issuance disclosure, rechecked on 15 September 2026. The disclosure's first paragraph requires policy issuance and payment, while its next paragraph describes temporary binder coverage; this record does not resolve which conditions apply to a particular placement. Quote speed is not independently verified and is not the same as coverage being in force. A self-serve path is not evidence of zero producer commissions or fees. | Foxquilt says customers can request and buy CGL and E&O online, with team assistance available, and receive documents after purchase. Its screens show example businesses, sample limits and prices; these are company illustrations, not quotes tested for a buyer or evidence that every risk can bind online. 27,28,23Company-reported. Company-reported CGL and E&O purchase workflow; no form was submitted and no quote or purchase was completed in this research. |
Related Reading
Sources
Corgi Official Website
- Disclaimers & Licensing. Corgi Insurance Services, Inc.; Carrier Financial Strength (including “federally chartered” and “federal prudential oversight” wording); About Corgi; Licensing; Premium and Payment Disclosures (producer commissions, fees, or other consideration, amounts available on request); Binding Authority and Policy Issuance; page last updated 04/05/26. Accessed 2026-09-15.
- Corgi Insurance homepage. Corgi Insurance Services, Inc.; Product packages: Cyber and Directors & Officers; Growth Stage and Custom Package; Self-Serve (apply, get quoted in minutes, bind same-day) and Book a Demo paths; Explore Our Main Policies: Commercial General Liability, Crime Insurance, Fiduciary Liability, Hired and Non-Owned Auto (HNOA), Worker’s Compensation; Specialized coverages: Employment Practices Liability (EPLI), K&R (Kidnap & Ransom), Representations and Warranties; Commercial Umbrella Liability; Business Owners Policy (BOP); Coverage sales cards: Media Liability, Medical Malpractice, Miscellaneous E&O; Core Operations: Tech E&O Insurance; Tech & AI Liability product module; Transportation menu: Auto Liability, Contractual Liability Insurance - Cargo; FAQ on cost, claims, and binding; footer entity, program-administrator and issuing-carrier notices. Accessed 2026-09-16.
- About Corgi. Corgi Insurance Services, Inc.; Company description; Federally Regulated, A-Rated Admitted Access, and Licensed Nationwide sections. Accessed 2026-09-15.
- Insurance Producer Licenses. Corgi Insurance Services, Inc.; Corgi Insurance Services, Inc. state-by-state producer license table. Accessed 2026-09-15.
- Directors & Officers (D&O) Insurance for Startups. Corgi Insurance Services, Inc.; Form CORG-DO-0100 coverage summary; policy notes stating TRRG underwrites the D&O coverage part; footer identifying Corgi Insurance Company, Inc. NAIC 17989. Accessed 2026-09-15.
- Customer Success Stories. Corgi Insurance Services, Inc.; Page heading and named technology-company testimonials; cost FAQ. Accessed 2026-09-15.
- Partnerships. Corgi Insurance Services, Inc.; Direct Underwriting savings claim; partner-page process; onboarding-to-claims handling claim. Accessed 2026-09-15.
- Insurance for AI, Built for Model Risk. Corgi Insurance Services, Inc.; Tech & AI Liability product description and related AI-risk FAQ. Accessed 2026-09-15.
- 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.
- Corgi Insurance Raises $108 Million, Receives Regulatory Approval to Launch the First Full-Stack Insurance Carrier for Startups. PR Newswire (Corgi press release); 9 January 2026 funding announcement; listed startup coverage lines; ARR figure. Accessed 2026-09-15.
- Corgi Reaches $2.6B Valuation With $106M Series B1 Three Weeks After $160M Unicorn Round. PR Newswire (Corgi press release); 28 May 2026 company statement of $378 million total funding and planned vertical expansion. Accessed 2026-09-15.
- Corgi Insurance Launches Corgi Claims, the AI-Native TPA. PR Newswire (Corgi press release); 29 June 2026 launch of Corgi Claims as a TPA; disclaimer that claims services are provided through licensed subsidiaries and affiliates. Accessed 2026-09-15.
- Corgi Insurance and Silicon Valley Bank Partner to Connect Clients to Preferred Coverage Solutions. PR Newswire (Corgi and Silicon Valley Bank press release); 17 June 2026 partnership announcement for SVB client access to Corgi products. Accessed 2026-09-15.
- Corgi: Rebuilding Insurance with AI. Kindred Ventures; 8 January 2026 investor announcement describing Corgi as a full-stack carrier with a captive reinsurer; 40,000+ policyholders across 49 states. Accessed 2026-09-15.
- Corgi Insurance company profile. Y Combinator; Summer 2024 batch; San Francisco location; 2024 founding; team size 250; description as a full-stack insurance carrier for startups. Accessed 2026-09-15.
- Registered Federal Risk Retention Groups. Rhode Island Department of Business Regulation; Report date 23 June 2026; registration entry for Technology Risk Retention Group, Inc., NAIC 17763, 425 Bush St., San Francisco, CA 94108. 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.
- 15 U.S.C. § 3901 — Definitions. U.S. House Office of the Law Revision Counsel; Liability Risk Retention Act definitions of liability and risk retention group, including state charter, member-ownership, and liability-only activity limits. Accessed 2026-09-15.
- 15 U.S.C. § 3902 — Risk retention groups. U.S. House Office of the Law Revision Counsel; Non-domicile state registration and policy notice requirements; exemption from state insurance insolvency guaranty associations. Accessed 2026-09-15.
- Arizona Revised Statutes § 20-2402. Arizona Legislature; Risk retention groups chartered and licensed in Arizona may write only liability insurance under that chapter. Accessed 2026-09-15.
- Corgi built its name insuring AI startups. Its new carrier targets dry cleaners, salons and more. Insurance Business; 27 August 2026 report identifying Technology Risk Retention Group as an Arizona-chartered RRG and noting that the admitted-carrier announcement does not specify domicile, licensed states, or rating status. Accessed 2026-09-15.
Foxquilt Official Website
- Commercial Insurance, Business Liability Coverage | Foxquilt. Foxquilt; Homepage: available-now CGL and E&O; other recommended products; digital purchase workflow; illustrative quote screens and carrier/support marks. Accessed 2026-09-29.
- About Us - North American Business Insurance Company. Foxquilt; Our Primary Coverages; North American Distribution; Foxden; broad company-level distribution statement. Accessed 2026-09-29.
- Become a Foxquilt Agent/Broker Partner. Foxquilt; Agent/broker product and servicing marketing: quote/bind/service in Foxden and instant documents (lines 22–24); service requests manage endorsements/cancellations (lines 130–138); digital servicing support says digitally manage endorsements/cancellations (lines 206–208); agents can file change requests in Foxden (lines 262–266). Separate CGL live selector states 42 U.S. states, 7 Canadian provinces and ‘Admitted paper Yes’ (lines 210–227). Page calls Foxquilt a ‘North American Carrier’ and says two products are built/underwritten in-house (lines 145–152). Directly reopened 2026-09-29. Provider-published marketing, not independent regulator verification; exact license-holding entity/type/identifier, specific policy authority and request-processing terms are not disclosed here. Accessed 2026-09-29.
- Other Coverages. Foxquilt; Other Coverages page: Workers’ Compensation, Commercial Auto, Cyber Liability and Commercial Property cards; Commercial Auto card lists Owned vehicles, Hired & non-owned, and Tools in transit as features; CGL/E&O are marked available now. Directly inspected 2026-09-29, lines 22–70. Accessed 2026-09-29.
- Commercial General Liability. Foxquilt; “What does CGL cover?”; “Foxquilt’s CGL is built for…”; digital quote/buy and certificates; “Built for North American small business”; limits FAQ; CGL exclusions FAQ. Directly reopened 2026-09-29, lines 53–64, 67–104, 135–215, 244–319. Accessed 2026-09-29.
- Professional Liability (E&O). Foxquilt; E&O summary and claims-made label; coverage examples; “Tech & Creative” classes; digital quote/buy; North American availability; lines 22–29, 52–65, 99–120, 138–253. Accessed 2026-09-29.
- Workers’ Compensation Insurance. Foxquilt; State-requirements FAQ; payroll/employee/location price factors; benefits list; self-employed and subcontractor FAQs. Reopened 2026-09-29, lines 148–162. Accessed 2026-09-29.
- Commercial Auto Insurance. Foxquilt; Product description, audience/use cases, claims scenarios and price factors. Reopened 2026-09-29, lines 42, 99–132. Accessed 2026-09-29.
- Cyber Business Insurance. Foxquilt; Cyber event description, target business types/data exposure, examples, price factors. Reopened 2026-09-29, lines 98–127. Accessed 2026-09-29.
- Commercial Property Insurance. Foxquilt; Property description and causes; target property; claim examples; pricing factors. Reopened 2026-09-29, lines 98–128. Accessed 2026-09-29.
- Builder’s Risk Insurance. Foxquilt; Construction-stage description and example causes; intended buyers; project-specific price factors. Reopened 2026-09-29, lines 98–127. Accessed 2026-09-29.
- Foxquilt Insurance Services | Terms & Conditions. Foxquilt; Sections 1.1–1.2 identify Foxquilt Insurance Services Inc. as service operator; no reviewed Inc.–LLC relationship statement. Accessed 2026-09-29.
- Foxquilt Insurance Services | Consumer & Privacy Info. Foxquilt; Privacy officer identity/address; “How We Get Paid For Our Services”; commission table and contingent-commission footnote; Canada-oriented company disclosure; no U.S. line/issuer mapping. Accessed 2026-09-29.
- Agency Detail: Foxquilt Insurance Services LLC. Westfield Insurance; Agency directory listing for Foxquilt Insurance Services LLC and Business coverage; does not disclose state appointment terms, delegated authority, or policy issuer. Accessed 2026-09-28.
- Foxquilt official website. Foxquilt; Official website is the provenance root for the visible brand mark; no reusable downloadable official logo file was verified during this pass. Accessed 2026-09-29.
- Smarter Umbrella Insurance For Your Business. Foxquilt; Current product page calls the product Umbrella Insurance; lines 98–104 describe umbrella vs excess and eligibility; lines 106–121 give illustrative scenarios; lines 127–132 discuss multi-insurer tower as hypothetical purchasing example. Directly inspected 2026-09-29. It supports an umbrella marketing membership, not a separate excess product, actual tower, underlying requirements, policy form or limits. Accessed 2026-09-29.
- Smarter Crime Insurance. Foxquilt; Current product page calls the product Crime Insurance; lines 90–104 describe money/securities, inside/outside theft and examples; lines 113–121 say crime may be included as a BOP add-on or bought as an isolated policy. Directly inspected 2026-09-29. Marketing does not establish form/limits or fidelity/surety bond coverage. Accessed 2026-09-29.
- Cleaner Insurance Program by Foxquilt. Foxquilt; Current Foxquilt-powered ConvertLabs cleaner program page; lines 108–135 lists CGL, Commercial Auto, Mobile Equipment, Crime/Bonds and Workers’ Compensation. Lines 127–128 identify Mobile Equipment as “also known as Inland Marine” and limit it to a small portion of equipment coverage commonly used by janitorial providers; lines 130–131 describe Crime, not bond terms. Page says program applications are available in Canada or the U.S. Directly inspected 2026-09-29. Accessed 2026-09-29.
