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Corgi vs Harper

Compare Corgi’s startup packages with Harper’s complex-risk brokerage when a technology business adds field operations and employees.

Introduction

Corgi offers startup insurance packages organized around funding stages, including technology errors and omissions, cyber and directors and officers coverage. Its agency distributes policies from affiliated or partner insurers. 2 1 Harper is a commercial insurance brokerage emphasizing complex operations, including contractors, care providers, auto dealers and security businesses. Its specialists approach insurers with help from AI tools for submissions and follow-up. 30 35 25

When a technology business adds people doing physical work, both the software and the field operation need to be described. A security-software company that begins supplying its own guards would need that combined description. Corgi’s technology package and Harper’s documented security appetite provide different starting points for that discussion; neither label establishes acceptance of the combined business. 8 33

Where Each Provider Shines

Where Corgi Shines

  • Stage-based packages give technology startups a starting point from pre-seed through growth, with a custom option. 2,3,6,15
  • Corgi says customers can add or upgrade policies through its dashboard as funding, hiring and contract requirements change. 2,1

Where Harper Shines

  • Harper focuses on hard-to-place operations across industries such as contracting, care services, manufacturing and transportation. 30,35
  • For workers’ compensation, Harper says it helps classify payroll by job duties and prepare premium-audit information. 32,40

Coverage Comparison

Coverage TypeCorgiHarper
Builders riskNot listedListed 23
Business owner’s policyListed 2Listed 29
Cargo and transitListed 2Not listed
Commercial autoListed 2Listed 23
Commercial propertyNot listedListed 23
CrimeListed 2Not listed
Cyber liabilityListed 2Listed 23
Directors and officersListed 2Not listed
Employment practices liabilityListed 2Not listed
Equipment breakdownNot listedListed 23
Fiduciary liabilityListed 2Not listed
Garage liabilityNot listedListed 23
General liabilityListed 2Listed 23
Hired and non-owned autoListed 2Not listed
Kidnap and ransomListed 2Not listed
Liquor liabilityListed 2Listed 29
Management liabilityNot listedListed 37
Media liabilityListed 2Not listed
Medical malpracticeListed 2Listed 29
Product liabilityNot listedListed 29
Professional liability / E&OListed 2Listed 29
Representations and warrantiesListed 2Not listed
Surety bondsNot listedListed 34
Technology errors and omissionsListed 2Not listed
Tools, equipment and inland marineNot listedListed 29
Umbrella and excess liabilityListed 2Listed 29
Workers’ compensationListed 2Listed 29,32

Listed products and programs, including policies arranged through insurers or partners. Optional endorsements are discussed in the analysis below. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

Key Differences Between Corgi and Harper

Software Work, Guard Operations and Eligibility

Harper’s security page names armed guards, event security and mobile patrols and discusses guard-action liability, professional negligence, equipment and vehicles. That names the operations side of the company. Ask how the offered form treats actual guard duties and use-of-force allegations, rather than assuming general liability alone addresses everything in the contract. The page is a product description, not a specimen for a named insurer. 33

Corgi’s technology offering addresses allegations that technology products or services failed to perform. If the company also sends guards to customer sites, ask Corgi to distinguish insured software work from physical services and identify any separate placement needed. Ask Harper the reciprocal question about the software product and cyber exposure. This comparison should produce a map of activities to policies, not a presumption that a technology-focused provider rejects physical operations or that a broad broker’s generic E&O covers software. 8 2 29

Both market general liability and other commercial products. The distinction is the documented starting focus, not a clean divide between businesses with or without physical assets. Corgi has also announced small-business product filings, but filings do not establish availability for this security operation. Have both providers confirm eligibility for the combined activities and each operating state before comparing terms. 9 33 29

Payroll Classification and Workers’ Compensation

Harper describes helping classify payroll by employee duties and preparing information for workers’ compensation audits. For a business with both developers and field staff, that creates a concrete preparation task: separate job descriptions, work locations and payroll information so the submission describes what employees actually do. The service claim does not guarantee an unchanged premium at audit. 32

Corgi’s dashboard description supports changes as a startup hires and expands, but it does not settle the classification or audit terms of a workers’ compensation proposal. Ask how that coverage will be arranged alongside technology and board protection and who owns payroll updates. Harper’s wider catalogue likewise does not imply every requested line sits with one insurer or on one renewal date. 2 1 29

Applications, AI Tools and Referral Arrangements

Harper’s AI tools are described as extracting document information, drafting messages and organizing follow-ups, with professionals and carriers reviewing final decisions. Corgi offers online and specialist-assisted purchasing. For the mixed-operation business, compare how each team checks the application’s description and resolves insurer questions; neither use of AI nor a short quote-time claim establishes better classification or coverage. 25 2

Harper’s privacy policy separately describes training its own models with customer communications and policy information, while its AI vendors’ foundation-model statements address a different use. Before providing sensitive operating documents, clarify what is requested and how it will be used. This disclosure is not evidence that Corgi uses identical terms or that either company’s controls have been independently audited. 25

If an existing agent introduces Harper, identify the arrangement. Harper Partners assigns quoting, service, renewals and claims to Harper, with a commission share paid to an appropriately licensed referring agent. Its separate wholesale offering can use a different service structure. A referral does not necessarily preserve the introducing agent as the ongoing service contact. Corgi’s direct specialist route should likewise identify who coordinates the technology and field-operation policies after purchase. 37 36 2

Binding, Insurer Status, Fees and Claims

Harper’s texts cannot bind or change insurance under its messaging terms; written confirmation from Harper and the applicable insurer is required. Corgi’s disclaimers contain a policy-and-premium condition alongside a separate temporary-written-binder provision. For a guard-service start date, obtain explicit effective-coverage confirmation and the required endorsements before relying on a text exchange or application receipt. 24 1

If the contract specifies rated or admitted insurance, identify each legal insurer. Corgi says Technology Risk Retention Group has no AM Best rating, and risk retention group (RRG) policies lack state guaranty-fund protection; its disclosed eligible admitted/partner alternatives require a separate check. Harper’s older “AAA-rated” marketing does not name a rating agency or establish the rating on this quote. Ask for current evidence from both, without treating Harper as the insurer or applying TRRG’s status to all Corgi policies. 1 20 39

Harper’s referral commission share is not a premium discount, and its reviewed sources do not publish the buyer’s fee schedule. Corgi discloses potential commissions or fees. Compare the full program cost, including workers’ compensation assumptions, vehicles, any separate software cover and payment charges. For a loss, distinguish Harper’s described brokerage advocacy from Corgi’s possible affiliated or third-party administration; neither service description proves claims quality. 37 32 39 1

What to Confirm in Quotes

  • One written description of all work: software functions, guard duties, armed work if applicable, vehicles and subcontracted services, with accepted activities mapped to the proposed forms. 33 8
  • A payroll and audit plan: employee duties and states, estimates used, update responsibilities and the insurer’s audit provisions. 32 1
  • A service-responsibility document: retail versus referral/wholesale arrangement, who answers coverage questions and who handles renewals and urgent claim notices. 37 24 1
  • The contract-ready proposal: insurer status evidence, effective-date confirmation, endorsements and itemized costs for the complete operation. 24 39 1

Service Comparison

Corgi vs Harper: documented services and availability

CriteriaCorgiHarper
Customer focus

Corgi offers business insurance for technology companies and startups, with packages for pre-seed and seed, Series A, and growth-stage businesses, plus a custom option. 2,3,6,15

In August 2026, Corgi announced product filings for offices, retail, restaurants, personal services, self-storage, wholesalers, community associations, and small rental properties. Availability depends on the product and state. 9

Its advertised customers include contractors, restaurants, auto dealers, childcare and adult-care providers, manufacturers, and transportation businesses. Harper emphasizes operations that are difficult to place with an insurer. 30,35

Coverage lines

Corgi’s startup packages combine general liability, directors and officers, technology errors and omissions, cyber, media, employment practices, fiduciary, and hired and non-owned auto coverage. Its technology offering includes a Tech & AI Liability module. 2,8,10

Corgi’s D&O page describes claims-made coverage for directors, officers, and the company under form CORG-DO-0100, issued by Technology Risk Retention Group. The example has defense costs within the policy limit and a $25,000 per-claim retention—the portion of a claim you pay. Your quote and policy set the actual terms. 5

Risk retention groups can write business liability insurance for their members. They cannot provide other types of insurance, such as property coverage, so a package with those products needs another insurer. 19,21

Harper’s privacy policy says it does not currently offer health or life insurance. The life qualification on its Georgia agency license does not establish that a life product is available through Harper. 25,26

Harper advertises general and professional liability, commercial property and auto, cyber, garage liability, umbrella coverage and bonds. Its coverage directory also lists workers’ compensation, equipment, liquor liability, medical malpractice and product liability; the intake selector includes a business owner’s policy combining property and liability. 23,29

Harper’s security page includes armed guards, event security and mobile patrol businesses. It describes liability for guard actions and professional negligence alongside equipment and vehicle protection. The page does not supply the insurer or policy wording for a particular security operation. 33

Harper also arranges license, permit, contract, dealer, court and fiduciary bonds. Its bond page explains that the buyer may have to repay amounts the bond company pays on a claim. Ask for the bond and indemnity agreement—the repayment promise—when reviewing this part of a proposal. 34

The reviewed product pages are coverage summaries. They do not provide a specimen policy tied to a named insurer, state and form edition from which to establish common limits, deductibles or exclusions. Ask for the actual forms and endorsements, which change or add to the policy. 29,31,33

Application process

You can apply online or book a call with a Corgi specialist. Corgi says eligible applicants can get a quote in minutes and buy coverage the same day. Its disclosures describe both an issued-policy-and-payment condition and temporary coverage under a written binder. Confirm the applicable conditions and effective date in writing. 2,1

The public quote form asks for your contact and business details, state, estimated annual revenue, business activity and requested coverage. It includes an existing-customer checkbox and a text-message consent choice. The visible form starts an inquiry; it does not display a final premium or issued policy. 23

The founders describe Harper Hub as internal software that helps complete forms, identify carriers and underwriters, and manage client communications. Their Y Combinator launch describes full autonomy as a direction for the business. 28

Harper’s privacy policy says AI extracts document information, drafts messages for review, organizes follow-ups and assists staff. It says licensed professionals and carriers review final decisions, including eligibility and binding. AI marketing therefore does not establish that a machine can approve your coverage on its own. 25

The privacy policy describes collecting applications, loss records and business documents. It also says customer communications and policy information train Harper’s own models, while its enterprise AI vendors state they do not train their foundation models on customer data. These are different uses of your information. 25

Harper’s messaging terms say a text cannot bind, change, renew or cancel insurance. Coverage takes effect only with written confirmation from Harper and the applicable carrier; quotes sent by text remain subject to underwriting and final documentation. 24

Harper’s February 2026 announcement advertises coverage within 24–48 hours. That is a company timing claim, not a deadline established for your application. Ask what information and approvals are still outstanding before arranging work around a proposed start date. 35

Servicing and renewals

Corgi says customers can add or upgrade policies through its dashboard as they raise funding, hire, or sign larger contracts. Renewal and cancellation terms depend on the policy and state rules. 2,1

For workers’ compensation, Harper says it helps classify payroll by the work employees perform and prepares information for premium audits. Its cost FAQ identifies payroll, job categories and claims history as pricing factors. An audit can reconcile the information used to price the policy; Harper’s service description is not a promise that your premium cannot change. 32,40

Under that referral program, Harper says it owns the account and handles quoting, placement, servicing, renewals and claims; the referring agent has no servicing duties. Its separate wholesale page offers white-label options. If another agent introduces you, clarify which arrangement applies and who will be your ongoing contact. 37,36

Harper’s public portal entry page advertises access to certificates, policies, payments and application status. Sign-in uses the email address associated with a Harper invitation; the page directs customers without an invitation to its service team. Features behind sign-in were not tested. 38

Harper describes ongoing policy management and annual coverage reviews. Its messaging terms list reminders about renewals, billing and premium finance, along with communications about changes and certificates. These service descriptions do not specify a guaranteed renewal price or a commitment to re-shop every policy. 39,24

Fees and compensation

Corgi Insurance Services may receive commissions or fees from the insurer or the customer. You can ask for the type and amount of compensation on your policy. 1

Corgi lists typical annual prices of $2,000–$5,000 for eligible pre-seed and seed startups and $5,000–$15,000 for Series A companies. Your price depends on the business, state, coverage, limits, and other underwriting details. 2,6,7

Harper Partners advertises a payment of 50% of Harper’s commission to an appropriately licensed referring agent, paid 60 days after the account settles. It says the underlying commission varies by coverage line, premium and carrier. The percentage is a share of commission, not a discount on the buyer’s premium. 37

The reviewed Harper pages do not disclose a buyer-facing schedule of brokerage fees or account-specific commission rates. Its statement that partner agents can join for free does not establish that buying insurance through Harper carries no fees. Request an itemized total, including premium, taxes, fees and any financing charges. 37,39,31,24

Sources

Corgi Official Website

  1. 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.
  2. Corgi Insurance homepage. Corgi Insurance Services, Inc.; Product packages; Self-Serve (apply, get quoted in minutes, bind same-day) and Book a Demo paths; FAQ on cost, claims, and binding; footer entity notices. Accessed 2026-09-15.
  3. About Corgi. Corgi Insurance Services, Inc.; Company description; Federally Regulated, A-Rated Admitted Access, and Licensed Nationwide sections. Accessed 2026-09-15.
  4. Insurance Producer Licenses. Corgi Insurance Services, Inc.; State-by-state producer license table for Corgi Insurance Services, Inc.. Accessed 2026-09-15.
  5. 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.
  6. Customer Success Stories. Corgi Insurance Services, Inc.; Page heading and named technology-company testimonials; cost FAQ. Accessed 2026-09-15.
  7. Partnerships. Corgi Insurance Services, Inc.; Direct Underwriting savings claim; partner-page process; onboarding-to-claims handling claim. Accessed 2026-09-15.
  8. 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.
  9. 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.
  10. 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; company-reported ARR figure. Accessed 2026-09-15.
  11. 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.
  12. 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.
  13. 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.
  14. Corgi: Rebuilding Insurance with AI. Kindred Ventures; 8 January 2026 investor announcement describing Corgi as a full-stack carrier with a captive reinsurer; company-reported 40,000+ policyholders across 49 states. Accessed 2026-09-15.
  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.
  16. 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. Document title uses “Federal”; that is the state’s list label, not TRRG’s charter type.. Accessed 2026-09-15.
  17. 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.
  18. 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.
  19. 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.
  20. 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.
  21. 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.
  22. 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.

Harper Official Website

  1. Harper Homepage. Harper; Opening process; coverage cards; industry examples; insurer-logo panel; quote-request form; legal footer. Accessed 2026-09-15.
  2. Text Messaging Terms and Conditions. Harper Global Enterprises Inc.; Effective August 24, 2026; sections 1–3 (entity, consent and service messages), 5 (message costs), 9 (delivery) and 11 (coverage confirmation). Accessed 2026-09-15.
  3. Privacy Policy. Harper Group Corp.; Introduction; sections 2–3 on information collection and decision review; sections 7–8 on AI vendors, internal model training and human oversight. Accessed 2026-09-15.
  4. Georgia Agency License Inquiry: Harper Global Enterprises Inc.. Georgia Office of Commissioner of Insurance and Safety Fire, via Sircon; Select Georgia, Agency, license 237101, then Submit. Result for HARPER GLOBAL ENTERPRISES INC., NPN 21740058: license and qualification tables (session-based result). Accessed 2026-09-15.
  5. California License Number Search. California Department of Insurance; License-number search for 6017784; CAPTCHA validation failed before a result was returned. Accessed 2026-09-15.
  6. Harper Company Profile and Founder Launch Post. Y Combinator / Harper founders; Company description and founder launch: complex commercial risks; internal Harper Hub form completion, carrier matching and communications; autonomy described as a goal. Accessed 2026-09-15.
  7. What We Cover. Harper; Coverage directory links and coverage choices in the public intake form. Accessed 2026-09-15.
  8. Industries We Serve. Harper; Industry directory and introductory customer focus: construction, care providers and auto dealers among the listed businesses. Accessed 2026-09-15.
  9. General Liability Insurance. Harper; Product introduction, certificate-request instructions, specialist-led placement steps and cost FAQ. Accessed 2026-09-15.
  10. Workers Compensation Insurance. Harper; Payroll classification discussion and FAQs about audits and pricing. Accessed 2026-09-15.
  11. Security Guards Insurance. Harper; Description of guard businesses, coverage categories, use-of-force risks and service features. Accessed 2026-09-15.
  12. Surety Bonds. Harper; Bond categories, repayment obligations and timing FAQ. Accessed 2026-09-15.
  13. We're Announcing $47M to Build the Insurance Company Every Business Deserves. Harper / Dakotah Rice; February 26, 2026 article: brokerage identity; AI-assisted submissions and follow-ups; 24–48-hour coverage statement; more than 165 underwriters; plans for additional direct appointments. Accessed 2026-09-15.
  14. Insurance Brokers: Wholesale Program. Harper; Specialty and non-admitted markets, selective binding authority FAQ, white-label options and commission FAQ. Accessed 2026-09-15.
  15. Harper Partners. Harper; Referral terms and FAQs covering commission split, timing, account ownership and service duties; illustrative example; footer qualification for unlicensed referral sources. Accessed 2026-09-15.
  16. Customer Portal Entry. Harper; Public entry page: listed functions, invitation-based sign-in instructions and service-team contact. Accessed 2026-09-15.
  17. Why 2000+ Companies Trust Harper For Business Insurance. Harper Insurance Team; Article dated January 21, 2025: carrier ratings, pricing transparency, claims support and ongoing management. Accessed 2026-09-15.
  18. Commercial Insurance Guide. California Department of Insurance; Form 700, revised June 14, 2024; purchasing through a broker-agent, commercial claims, surplus lines, and glossary definition of insurer. Used for role distinctions, not nationwide legal rules. Accessed 2026-09-15.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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