Corgi vs 
Gallagher Representations and Warranties Insurance
Corgi lists R&W as a 1–14 day specialty quote; Gallagher places custom forms with attorneys and a SPAC D&O package.
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
What Is Gallagher?
Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. 7,8,9,10,11
What Is Representations and Warranties Insurance?
Representations and warranties insurance addresses financial loss from inaccuracies in the representations or warranties made in a stock or asset purchase agreement. It doesn't cover issues already known before signing, disputes over the purchase price, or every statement made during diligence. 12,13
Key Differences in Representations and Warranties Insurance
Quote Window Versus Attorney-Led Placement
Corgi groups R&W with policies quoted in 1–14 days instead of its self-serve online application. Gallagher places R&W with outside carriers and says several dedicated attorneys assist M&A transactional insurance placements from start to finish, including analysis, custom policy forms and pre-transaction diligence. 2 9
SPAC Work and Tax Mitigation
Gallagher markets R&W to SPACs bundled with D&O across IPO and de-SPAC, and describes delivering R&W and tax-mitigation coverage for both buyers and sellers. Corgi’s catalog does not mention SPACs, D&O bundling, custom forms or tax-mitigation insurance beside this line. 9 6
Insurer and Limits
Neither reviewed source names the issuing insurer for a given R&W policy: Corgi’s general disclosures leave the carrier unidentified for this line, and Gallagher’s executive-risk page does not name the market. Neither publishes R&W limits or retentions. 1 9
What to Confirm in Representations and Warranties Insurance Quotes
- Get Gallagher’s selected carrier and Corgi’s issuer. 9 1
- If the deal is a SPAC combination, ask Gallagher how R&W sits with D&O; Corgi’s pages do not describe that path. 9
- Confirm whether Gallagher’s custom form and diligence process, or Corgi’s 1–14 day specialty quote, is what you are buying. 9 2
- Request limit, retention and any tax-mitigation layer. 9 6
Offering Details
Corgi vs Gallagher Representations and Warranties Insurance: documented features by provider
| Criteria | Corgi Representations and Warranties Insurance | Gallagher M&A Transactional Insurance (Representations and Warranties) |
|---|---|---|
| Role in This Line | Corgi lists Representations and Warranties insurance as a specialty coverage quoted with a 1-14 day turnaround, not through its instant online quote flow used for CGL, D&O, Tech E&O, and its other core policies. 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 (/representations-and-warranties, /representations-warranties) returned 404s. | Gallagher's Executive and Financial Risk practice places representations and warranties (R&W) insurance for mergers and acquisitions with outside carriers; it does not underwrite the policy. 9Company-reported. Group-level executive-and-financial-risk practice page. |
| Issuing Insurer | No page names the carrier that issues Representations and Warranties 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. | The executive-and-financial-risk page does not name the insurer that would issue a given transaction's R&W policy. 9Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page. |
| Who It’s For | Corgi targets this product at businesses on either side of an M&A transaction (buyer or seller), which is a narrower, transaction-triggered audience than its startup-lifecycle packages built around CGL, D&O, Tech E&O, and Cyber. 2,6Company-reported. Catalog description; no deal-size, industry, or state restrictions are published for this line. | Gallagher also markets R&W insurance specifically to special-purpose acquisition companies (SPACs), bundling it with D&O coverage across the IPO and de-SPAC process for the business combination. 9Company-reported. Group-level executive-and-financial-risk practice page, SPAC subsection. |
| Coverage Features | Corgi describes the product as protecting buyers or sellers in M&A transactions against financial loss arising from breaches of representations and warranties in a purchase agreement. 2,6Company-reported. One-sentence catalog description; no policy form, insuring agreement, exclusion, retention, or underwriting-diligence requirement is published for this line. | Gallagher describes providing analysis, custom policy forms and pre-transaction diligence to select markets and deliver R&W and tax-mitigation coverage for both buyers and sellers in M&A deals. 9Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions. |
| Limits and Retentions | No limit, retention, or illustrative policy structure is published for Representations and Warranties, 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. | The page does not publish specific R&W limits, retentions or premium ranges. 9Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page. |
| Risk Services | The reviewed pages do not describe due-diligence support, deal-team access, or other transaction-specific services tied to this line. 2,6Not found in reviewed sources. Homepage and startup-insurance page as read on 2026-09-23. | Gallagher says it has several dedicated attorneys who assist with M&A transactional insurance placements, including R&W, from start to finish. 9Company-reported. Group-level executive-and-financial-risk practice page. |
| How to Apply | Representations and Warranties 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. | Not described in the reviewed sources. |
Full Comparison
More Corgi vs Gallagher Comparisons
Other Representations and Warranties 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 Representations and Warranties" card, same coverage description as the startup-insurance page. 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 R&W (Representations & Warranties Insurance) — Protects buyers or sellers in M&A transactions against financial loss arising from breaches of representations and warranties in purchase agreements.". Accessed 2026-09-23.
Gallagher
- Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
- Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
- Executive and Financial Risk Insurance. Gallagher; M&A Transactional Insurance, including Representations and Warranties and Tax Mitigation Insurance section; Special-Purpose Acquisition Companies (SPACs) section. Accessed 2026-09-23.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
Representations and Warranties Insurance Guide
- Transaction liability insurance | Representation and indemnities insurance. CFC; What are representations and warranties?; Who should buy representation and warranty insurance?; Available to buyers & sellers; Limited seller security; Is transaction liability insurance available to sellers. Accessed 2026-09-16.
- Mergers & Acquisitions. Beazley; Product overview: buyer and seller protection for inaccuracies in representations or warranties. Accessed 2026-09-16.
