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

Gallagher is a broker that places tech E&O with cyber as one policy through a 250-plus person practice. Corgi sells stand-alone Tech E&O online with an instant quote, bundled into startup packages from pre-seed.

Corgi lets pre-seed and seed startups get an instant online Tech E&O quote, but its standard form leaves out data-breach liability unless you add an endorsement; Gallagher is a broker that places Tech E&O and cyber together in one policy. Gallagher says it serves more than 7,500 tech and telecom clients. ^2,^1,³

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

Instant Online Quote vs Broker Placement

Corgi sells Tech E&O through an instant online quote and includes it in every startup package from the pre-seed and seed tier. Gallagher's Technology practice places Tech E&O with outside insurers, citing more than 7,500 tech and telecom clients and over $1 billion in annual premium placed. Choose Corgi if you're an early startup that wants cover today without a broker; choose Gallagher if you're coordinating several lines or have outgrown startup packages. ² ¹ ³

Breach Cover Built In vs Added On

Gallagher markets one policy combining professional-services E&O with cyber liability for data breaches, ransomware and privacy violations. Corgi's standard Tech E&O form excludes data-breach liability unless you add an endorsement. If you hold customer data, a Corgi policy without that endorsement won't pay for a breach claim. ³ ¹

Who Pays Your Claim

Corgi says its Tech E&O is mainly written by Technology Risk Retention Group, an unrated insurer owned by its policyholders, with partner insurers rated A- or better available if you qualify. Gallagher doesn't name the insurers it uses. If a customer contract requires a rated insurer, ask Corgi for the partner option up front. ¹ ³

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

Ask Corgi whether you're on Technology Risk Retention Group or a partner insurer, and whether the data-breach endorsement is bound. ¹
Ask Gallagher which insurer issues its combined E&O and cyber policy. ³
Compare Corgi's illustrative $1 million per claim and $2 million aggregate, with a $10,000 retention, against Gallagher's quoted limits. ¹ ³

Corgi vs Gallagher Tech E&O Insurance Compared

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

Criteria	Corgi Tech E&O	Gallagher Technology Errors and Omissions (Tech E&O) Insurance
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.	Gallagher markets technology E&O as a single policy combining coverage for errors and omissions from rendering or failing to render professional services with cyber liability coverage for perils such as data breaches, ransomware attacks and privacy violations. ³Company-reported. Group-level technology industry practice page; a service description, not a specific policy's insuring agreement or exclusions.
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.	Gallagher's Technology insurance practice places technology E&O coverage with outside carriers for tech-sector clients; it does not underwrite the policy. ³Company-reported. Group-level technology industry practice page.

Criteria

Corgi Tech E&O

Gallagher Technology Errors and Omissions (Tech E&O) Insurance

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.

Gallagher markets technology E&O as a single policy combining coverage for errors and omissions from rendering or failing to render professional services with cyber liability coverage for perils such as data breaches, ransomware attacks and privacy violations. ³Company-reported. Group-level technology industry practice page; a service description, not a specific policy's insuring agreement or exclusions.

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.

Gallagher's Technology insurance practice places technology E&O coverage with outside carriers for tech-sector clients; it does not underwrite the policy. ³Company-reported. Group-level technology industry practice page.