---
title: "Corgi vs Harper Medical Malpractice Insurance"
description: "Corgi quotes malpractice for healthcare clients in 1–14 days; Harper places specialty-market policies and walks buyers through claims-made and tail terms."
canonical: "https://spot.insure/compare/corgi-vs-harper/medical-malpractice"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# 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.

## Research Scope and Use

Use this comparison to evaluate Corgi and Harper for Medical Malpractice Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Corgi lists Medical Malpractice as a specialty product quoted in 1–14 days with a one-sentence negligence description. Harper places the line with specialty-familiar carriers and says most policies are claims-made, with license-board defense and entity coverage. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [6](https://www.corgi.insure/startup-insurance "Startup Insurance | Corgi Insurance") [9](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance")

## 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](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [3](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [4](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [5](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups")

[Corgi profile](https://spot.insure/insurance-providers/corgi)

## 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](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") [8](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves")

[Harper profile](https://spot.insure/insurance-providers/harper)

## What Is Medical Malpractice Insurance?

Medical malpractice insurance is professional liability coverage for claims arising from a health care professional’s medical services. [10](https://content.naic.org/insurance-topics/medical-malpractice-insurance "Medical Malpractice Insurance") [11](https://www.tdi.texas.gov/commercial/pcmedmal.html "Medical Liability Insurance shopping guide")

## 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](https://www.corgi.insure/startup-insurance "Startup Insurance | Corgi Insurance") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [9](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance")

### 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. [9](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: 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](https://www.corgi.insure/startup-insurance "Startup Insurance | Corgi Insurance") [9](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance")

### 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](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [6](https://www.corgi.insure/startup-insurance "Startup Insurance | Corgi Insurance")

## 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](https://www.corgi.insure/disclaimers "Disclaimers & Licensing")
- Ask Harper which market is quoting, whether the form is claims-made, and what tail and prior-acts options are priced. [9](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance")
- Confirm whether license-board defense and entity coverage are on Harper’s quote, and whether Corgi’s quote addresses those items at all. [9](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") [6](https://www.corgi.insure/startup-insurance "Startup Insurance | Corgi Insurance")
- Compare stated turnaround: Harper’s same-day certificate claim versus Corgi’s 1–14 day specialty window. [9](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes")

## Offering Details

| 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](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [6](https://www.corgi.insure/startup-insurance "Startup Insurance | Corgi Insurance") (Evidence: Company-reported; scope: 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. [9](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") (Evidence: Not publicly disclosed; scope: 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](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [6](https://www.corgi.insure/startup-insurance "Startup Insurance | Corgi Insurance") (Evidence: Company-reported; scope: 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. [9](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: 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](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [6](https://www.corgi.insure/startup-insurance "Startup Insurance | Corgi Insurance") (Evidence: Company-reported; scope: 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. [9](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: Product-page coverage summary; the issued policy and its exclusions control the actual terms..)<br><br>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. [9](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: 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](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [6](https://www.corgi.insure/startup-insurance "Startup Insurance | Corgi Insurance") (Evidence: Not publicly disclosed; scope: 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. [9](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") (Evidence: Not publicly disclosed; scope: 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](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [6](https://www.corgi.insure/startup-insurance "Startup Insurance | Corgi Insurance") (Evidence: Not found in reviewed sources; scope: 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. [9](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: 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](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [6](https://www.corgi.insure/startup-insurance "Startup Insurance | Corgi Insurance") (Evidence: Company-reported; scope: 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. [9](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: Quote form and FAQ observed on the product page..) |

## Full Comparison

- [Corgi vs Harper](https://spot.insure/compare/corgi-vs-harper): all coverage lines, business roles, service and claims.
- [What Is Medical Malpractice Insurance?](https://spot.insure/coverage/medical-malpractice): Medical malpractice insurance can help pay defense costs and covered damages from claims about a health care professional's medical services.
- [Corgi vs Harper Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-harper/commercial-auto)
- [Corgi vs Harper Cyber Insurance](https://spot.insure/compare/corgi-vs-harper/cyber)
- [Corgi vs Harper General Liability Insurance](https://spot.insure/compare/corgi-vs-harper/general-liability)
- [Corgi vs Harper Liquor Liability Insurance](https://spot.insure/compare/corgi-vs-harper/liquor-liability)
- [Corgi vs Harper Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-harper/professional-errors-omissions)
- [Corgi vs Harper Umbrella and Excess Liability Insurance](https://spot.insure/compare/corgi-vs-harper/umbrella-excess)
- [Corgi vs Harper Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-harper/workers-compensation)
- [Beazley vs Corgi Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-corgi/medical-malpractice)
- [Beazley vs Harper Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-harper/medical-malpractice)
- [Corgi vs Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-heffernan/medical-malpractice)
- [Corgi vs HUB International Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-hub-international/medical-malpractice)
- [Corgi vs Mylo Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-mylo/medical-malpractice)
- [Corgi vs USI Insurance Services Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-usi/medical-malpractice)

## Sources

### Corgi

1. [Disclaimers & Licensing](https://www.corgi.insure/disclaimers). Corgi Insurance; Carrier Financial Strength; How Insurance Is Provided Through Corgi; Specialty Insurance Carrier and Underwriting Disclosures. Accessed 2026-09-23.
2. [Corgi Insurance: Startup Insurance, Quoted in Minutes](https://www.corgi.insure). 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.
3. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
4. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
5. [Insurance Topics: Risk Retention Groups](https://content.naic.org/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.
6. [Startup Insurance | Corgi Insurance](https://www.corgi.insure/startup-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

7. [Text Messaging Terms and Conditions](https://www.harperinsure.com/sms-terms). 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.
8. [We're Announcing $47M to Build the Insurance Company Every Business Deserves](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement). 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.
9. [Medical Malpractice Insurance](https://www.harperinsure.com/coverages/medical-malpractice). 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

10. [Medical Malpractice Insurance](https://content.naic.org/insurance-topics/medical-malpractice-insurance). National Association of Insurance Commissioners; Background: Issue; Overview; two basic types. Accessed 2026-09-16.
11. [Medical Liability Insurance shopping guide](https://www.tdi.texas.gov/commercial/pcmedmal.html). Texas Department of Insurance; What is medical liability insurance?; Claims-made versus occurrence; changing carriers; renewal tips. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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