Corgi vs 
Harper Medical Malpractice Insurance
Corgi quotes malpractice for healthcare clients in 1–14 days; Harper places specialty-market policies and walks buyers through claims-made and tail terms.
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 Harper Insurance?
Harper is a commercial insurance brokerage for businesses with complex risks. Its specialists use AI tools to gather information, seek quotes from insurers and help customers manage coverage. 7,8
What Is Medical Malpractice Insurance?
Medical malpractice insurance is professional liability coverage for claims arising from a health care professional’s medical services. 10,11
Key Differences in Medical Malpractice Insurance
Placement Versus a Catalog Specialty
Corgi catalogs Medical Malpractice as a specialty coverage with a 1–14 day quote window, outside the instant flow used for its core startup policies. Harper does not underwrite; it places the line with carriers it says know the clinician’s or care business’s specialty. 6 2 9
What Each Description Actually Covers
Corgi says the product protects healthcare professionals and organizations against claims alleging negligence in delivering medical services, without publishing a form, exclusions or a claims-made versus occurrence trigger.
Harper describes the medical malpractice coverage it places as responding to allegations about diagnosis, treatment, medication or supervision decisions, and as including defense of licensing-board complaints in addition to lawsuits. 9Company-reported. Product-page coverage summary; the issued policy and its exclusions control the actual terms.
Harper also says most of the policies it places are claims-made, so retroactive date and tail coverage matter when a clinician leaves a practice or switches carriers, and it places entity coverage for the practice itself. Corgi’s reviewed pages do not discuss tail, prior acts or entity coverage. 6 9
Speed of Quotes and Certificates
Harper says it can issue certificates and quotes the same day and that a specialist walks applicants through occurrence-versus-claims-made and tail tradeoffs. Corgi groups this line with policies quoted in 1–14 days rather than its self-serve instant application. Neither side publishes malpractice limits. 9 2 6
What to Confirm in Medical Malpractice Insurance Quotes
- Ask Corgi which carrier would issue the policy; its disclaimers name affiliated and partner carriers generally but not for this line. 1
- Ask Harper which market is quoting, whether the form is claims-made, and what tail and prior-acts options are priced. 9
- Confirm whether license-board defense and entity coverage are on Harper’s quote, and whether Corgi’s quote addresses those items at all. 9 6
- Compare stated turnaround: Harper’s same-day certificate claim versus Corgi’s 1–14 day specialty window. 9 2
Offering Details
Corgi vs Harper Medical Malpractice Insurance: documented features by provider
| Criteria | Corgi Medical Malpractice | Harper Medical Malpractice Insurance |
|---|---|---|
| Role in This Line | Corgi lists Medical Malpractice as one of its specialty coverages, quoted with a 1-14 day turnaround rather than the instant online quote it offers for CGL, D&O, Tech E&O, and its other core startup policies. 2,6Company-reported. Homepage and startup-insurance page policy-card labeling as of 2026-09-23. No dedicated Medical Malpractice product page was found on the site; a direct URL guess (/medical-malpractice) returned a 404. | Harper places medical malpractice coverage with carriers it describes as familiar with the clinician's or care business's specialty, rather than underwriting the policy itself. 9Company-reported. Product-page description of Harper's placement role for this line. |
| Issuing Insurer | No page names the carrier that issues Medical Malpractice 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 medical-malpractice-specific statement and finding none as of 2026-09-23. | Not described in the reviewed sources. |
| Who It’s For | Corgi frames the product for healthcare professionals and organizations, in contrast to its core lineup, which targets general technology startups. 2,6Company-reported. Catalog description; no size, specialty, or state restrictions are published for this line. | Harper markets this line to clinicians and care businesses that need malpractice coverage for licensure or facility privileges, and it names tail coverage as a particular concern when a clinician leaves a practice or switches carriers. 9Company-reported. Product-page marketing copy; not an eligibility guarantee for a particular applicant or specialty. |
| Coverage Features | Corgi describes Medical Malpractice as protecting healthcare professionals and organizations against claims alleging negligence in the delivery of medical services. 2,6Company-reported. One-sentence catalog description on the homepage and startup-insurance page; no policy form, insuring agreement, exclusion, or claims-made/occurrence trigger is published for this line. | Harper describes the medical malpractice coverage it places as responding to allegations about diagnosis, treatment, medication or supervision decisions, and as including defense of licensing-board complaints in addition to lawsuits. 9Company-reported. Product-page coverage summary; the issued policy and its exclusions control the actual terms. Harper says most of the medical malpractice policies it places are claims-made, which makes the retroactive date and tail (extended reporting) coverage important when a clinician changes jobs, retires or switches carriers, and it also places entity coverage for the practice or facility itself, not only individual clinicians. 9Company-reported. FAQ and coverage-features text on the product page; actual trigger and tail terms depend on the specific policy. |
| Limits and Retentions | No limit, retention, or illustrative policy structure is published for Medical Malpractice, 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 reviewed medical malpractice page does not publish limit or retention amounts; it says cost and, implicitly, available terms depend on specialty, volume and claims history. 9Not publicly disclosed. Medical malpractice product page as read on 2026-09-23. |
| Risk Services | The reviewed pages do not describe risk-management or claims-handling services specific to Medical Malpractice policyholders. 2,6Not found in reviewed sources. Homepage and startup-insurance page as read on 2026-09-23; general claims-handling disclosures on the disclaimers page are not specific to this line. | Harper says it can issue certificates and quotes the same day for this line, and describes reaching both large carriers and specialty markets that write malpractice for a given specialty. 9Company-reported. Product-page service claims; not independently timed or confirmed for a particular request. |
| How to Apply | Medical Malpractice 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. | You apply for Harper medical malpractice coverage through an online quote form, and Harper says a specialist walks applicants through the occurrence-versus-claims-made and tail-coverage tradeoffs before they commit. 9Company-reported. Quote form and FAQ observed on the product page. |
Full Comparison
More Corgi vs Harper Comparisons
Other Medical Malpractice 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 Medical Malpractice" card, same one-sentence 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 Medical Malpractice — Protects healthcare professionals and organizations against claims alleging negligence in the delivery of medical services.". Accessed 2026-09-23.
Harper
- 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.
- 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.
- Medical Malpractice Insurance. Harper; Product hero; Know your coverage: What is Medical Malpractice insurance?; Professional liability for care, License defense, Tail and prior acts, Entity coverage; Why Harper; FAQ: Occurrence or claims-made?, Does it cover board complaints?, What does it cost? Accessed 2026-09-23.
Medical Malpractice Insurance Guide
- Medical Malpractice Insurance. National Association of Insurance Commissioners; Background: Issue; Overview; two basic types. Accessed 2026-09-16.
- Medical Liability Insurance shopping guide. Texas Department of Insurance; What is medical liability insurance?; Claims-made versus occurrence; changing carriers; renewal tips. Accessed 2026-09-16.
