---
title: "Corgi vs HUB International Tech E&O Insurance"
description: "Corgi quotes Tech E&O online with published illustrative limits; HUB customizes E&O through a broker with prior-acts and tail options."
canonical: "https://spot.insure/compare/corgi-vs-hub-international/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Corgi vs HUB International Tech E&O Insurance

Corgi quotes Tech E&O online with published illustrative limits; HUB customizes E&O through a broker with prior-acts and tail options.

## Research Scope and Use

Use this comparison to evaluate Corgi and HUB International for Tech E&O 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 binds Tech E&O as an instant-quote product, primarily on Technology Risk Retention Group paper. HUB International brokers technology E&O through its general E&O and technology practices, describing prior-acts and tail structures and directing buyers to a broker rather than an online bind. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [10](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [9](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

## 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 HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [7](https://www.hubinternational.com/about-us/ "About Us") [8](https://www.hubinternational.com/contact-us/ "Contact Us") [9](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## What Is Technology Errors and Omissions (E&O) Insurance?

Technology errors and omissions (E&O) insurance addresses claims that a technology product or service caused a customer or other third party a financial loss. It doesn't extend to cyber incidents, bodily injury or professional services outside the quoted product. [11](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [12](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [13](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management")

## Key Differences in Tech E&O Insurance

### Online Bind Versus Broker Customization

Corgi labels Tech & AI Liability as an instant-quote policy that can be bound without the 1–14 day turnaround it assigns to specialty coverages. HUB directs prospects to connect with a broker, describing E&O policies as customized to size, industry, location, risk and desired limits, with no online quote flow on the reviewed page. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [10](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage")

### Trigger Language

Corgi’s policy responds to claims-made wrongful acts such as negligent errors in technology services, outages from a code update, and negligent systems integration or data migration. HUB’s general E&O page says policies typically cover defense, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful practices and misleading advice, and can include prior-acts coverage and tail for an extended reporting period. [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [10](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage")

### Issuer Transparency

Corgi names TRRG as the primary underwriter and mentions A- rated partners. Neither of HUB’s reviewed E&O or technology-industry pages names an issuing insurer; HUB says it currently insures more than 5,000 technology companies, a company-reported count for the broader technology program. [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [10](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [9](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

## What to Confirm in Tech E&O Insurance Quotes

- Ask HUB for the retroactive date and whether tail is offered; Corgi’s reviewed page does not describe prior-acts or tail. [10](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance")
- Ask Corgi which endorsements reverse the contract, AI, IP and data-breach exclusions. [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance")
- Get HUB’s per-claim and aggregate limits in dollars; the page says those structures exist but publishes no amounts, unlike Corgi’s $1 million / $2 million illustration. [10](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance")
- Confirm both issuing carriers in writing. [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [9](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

## Offering Details

| Criteria | Corgi Tech E&O | HUB International Technology Errors and Omissions Insurance |
| --- | --- | --- |
| 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. [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [9](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: E&O product page and technology-industry page as read 2026-09-23; neither names an issuing insurer..) |
| 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. [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [9](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Not found in reviewed sources; scope: Checked both pages on 2026-09-23; no carrier is disclosed on either..) |
| Who It’s For | 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. [9](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Technology-industry page framing; not specific to technology E&O alone, since the page covers HUB's full technology insurance program..) |
| 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. [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: Illustrative scenario notes on the Tech E&O product page; the issued policy and declarations control the actual trigger..)<br><br>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. [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: 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. [10](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: General E&O coverage description; the page does not give technology-specific coverage examples beyond listing technology as a served industry..) |
| Limits and Retentions | 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. [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: 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. [10](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Not publicly disclosed; scope: E&O product-page structure description; specific limits are set on the quote and declarations..) |
| Risk Services | The reviewed Tech E&O page does not describe risk-management or loss-prevention services for policyholders beyond the glossary and FAQ content. [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") (Evidence: Not found in reviewed sources; scope: Tech E&O product page as read on 2026-09-23..) | Not described in the reviewed sources. |
| How to Apply | 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. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: 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. [10](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23..) |

## Full Comparison

- [Corgi vs HUB International](https://spot.insure/compare/corgi-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology E&O insurance addresses claims that a problem with your technology product or service caused a customer financial loss.
- [Corgi vs HUB International Business Owner’s Policy](https://spot.insure/compare/corgi-vs-hub-international/business-owners-policy)
- [Corgi vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/corgi-vs-hub-international/cargo-transit)
- [Corgi vs HUB International Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-hub-international/commercial-auto)
- [Corgi vs HUB International Crime Insurance](https://spot.insure/compare/corgi-vs-hub-international/crime)
- [Corgi vs HUB International Cyber Insurance](https://spot.insure/compare/corgi-vs-hub-international/cyber)
- [Corgi vs HUB International D&O Insurance](https://spot.insure/compare/corgi-vs-hub-international/directors-officers)
- [Corgi vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/corgi-vs-hub-international/employment-practices)
- [Corgi vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/corgi-vs-hub-international/fiduciary)
- [Corgi vs HUB International General Liability Insurance](https://spot.insure/compare/corgi-vs-hub-international/general-liability)
- [Corgi vs HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/corgi-vs-hub-international/hired-non-owned-auto)
- [Corgi vs HUB International Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-hub-international/medical-malpractice)
- [Corgi vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-hub-international/professional-errors-omissions)
- [Corgi vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/corgi-vs-hub-international/representations-warranties)
- [Corgi vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/corgi-vs-hub-international/umbrella-excess)
- [Corgi vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-hub-international/workers-compensation)
- [Alliance Risk vs Corgi Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/technology-errors-omissions)
- [Alliance Risk vs HUB International Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/technology-errors-omissions)
- [Amelia Risk vs Corgi Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/technology-errors-omissions)
- [Amelia Risk vs HUB International Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/technology-errors-omissions)
- [At-Bay vs Corgi Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-corgi/technology-errors-omissions)
- [At-Bay vs HUB International Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-hub-international/technology-errors-omissions)

## Sources

### Corgi

1. [Disclaimers & Licensing](https://www.corgi.insure/disclaimers). 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: Startup Insurance, Quoted in Minutes](https://www.corgi.insure). Corgi Insurance; Explore Our Main Policies: Tech & AI Liability card marked "Instant quote"; Coverage Designed Around Your Startup's Journey package contents listing Tech E&O. 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. [Tech E&O Insurance for Startups | Corgi Insurance](https://www.corgi.insure/tech-eo). Corgi Insurance; What's Actually Inside Your Tech E&O Policy (form CORG-EO-0100 / CORG-TECH-0500); Scenario notes; Policy notes; Available Add-ons; Tech E&O Glossary; FAQ including carrier rating question. Accessed 2026-09-23.

### HUB International

7. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
8. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
9. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management introduction for startups, software, hardware and digital-media companies; technology-specific coverage list including professional liability/technology E&O; technology-client count claim. Accessed 2026-09-23.
10. [Errors and Omissions (E&O) Insurance Coverage](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/). HUB International; Industries served list naming technology among accounting, architecture, creative, dental, engineering, financial, medical and media; prior-acts coverage; claims-made structure; claims-notification steps. Accessed 2026-09-23.

### Tech E&O Insurance Guide

11. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16.
12. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16.
13. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. 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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