Corgi vs HUB International Tech E&O Insurance

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. ^6,2Company-reported. Tech E&O product page and homepage package contents; package composition may change.

HUB brokers technology E&O as part of its general E&O practice, naming technology as one of the industries it serves, and separately markets it as one line within its dedicated technology-industry practice. ^10,9Company-reported. E&O product page and technology-industry page as read 2026-09-23; neither names an issuing insurer.

Corgi says Tech E&O is primarily underwritten by Technology Risk Retention Group (TRRG), an unrated risk retention group; buyers who need admitted, AM Best-rated paper can instead be placed with affiliated partner carriers rated A- or better, subject to eligibility. ⁶Company-reported. Tech E&O FAQ on carrier rating; the actual issuing carrier for a given policy appears on the declarations page, not this page.

Neither the E&O page nor the technology-industry page names an issuing insurer for technology E&O; HUB places this coverage with insurers that vary by client and placement. ^10,9Not found in reviewed sources. Checked both pages on 2026-09-23; no carrier is disclosed on either.

Not described in the reviewed sources.

HUB's technology-industry page addresses fast-growing startups and established software, hardware or digital-media businesses, and says HUB currently insures more than 5,000 technology companies; that count is a company-reported figure not independently verified here. ⁹Company-reported. Technology-industry page framing; not specific to technology E&O alone, since the page covers HUB's full technology insurance program.

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. ⁶Company-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. ⁶Company-reported. Tech E&O policy notes and Available Add-ons section; endorsement availability varies by jurisdiction and underwriting.

HUB's general E&O page says policies typically cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful practices and misleading advice, and can be structured with prior-acts coverage back to a retroactive date and tail coverage for an extended reporting period. ¹⁰Company-reported. General E&O coverage description; the page does not give technology-specific coverage examples beyond listing technology as a served industry.

Corgi shows illustrative Tech E&O limits of up to $1 million per claim and $2 million aggregate, with a $10,000 self-insured retention per claim, and describes defense costs as included within the limit. ⁶Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations.

HUB's E&O page says policies typically include per-claim and aggregate limits, but does not publish specific limit amounts for technology E&O. ¹⁰Not publicly disclosed. E&O product-page structure description; specific limits are set on the quote and declarations.

The reviewed Tech E&O page does not describe risk-management or loss-prevention services for policyholders beyond the glossary and FAQ content. ⁶Not found in reviewed sources. Tech E&O product page as read on 2026-09-23.

Not described in the reviewed sources.

Tech & AI Liability is one of the homepage's "Instant quote" policies, meaning it can be quoted and bound online without the 1-14 day turnaround Corgi assigns to its specialty coverages. ²Company-reported. Homepage policy-card labeling as of 2026-09-23.

HUB directs prospects to connect with a broker; the E&O page describes policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. ¹⁰Company-reported. Product-page call to action as read 2026-09-23.