Corgi vs 
Kinro: How Do They Compare for D&O Insurance?
Corgi sells startup D&O online with illustrative limits; Kinro matches businesses to carriers using funding stage, board structure, revenue, and claims information.
Corgi sells a single startup D&O policy you can quote online, capped at $1 million per claim and $2 million a year. Kinro brokers D&O, matching you to an insurer based on your ownership, funding stage and board, usually alongside employment practices, cyber and E&O quotes. 1,2
What Are the Key Differences Between Corgi and Kinro D&O Insurance?
One Online Policy vs Insurer Matching
Corgi sells D&O on its own or in stage-based packages from pre-seed, with a $25,000 retention per claim (none on Side A) and legal fees paid inside the limit. 1 Kinro says D&O usually comes up when investors, a formal board, debt covenants or a contract require it, and it collects your revenue, headcount, prior claims and investor or lender requirements to find an insurer with appetite for you. 2 Choose Corgi if you're a pre-seed or seed startup and $1 million per claim satisfies your investors; choose Kinro if you have venture debt, a lender requirement or need higher limits, since it can shop several insurers. 1 2
Published Policy Wording vs a Bundled Review
Corgi spells out its terms: a securities-offering exclusion that carves back exempt deals such as Regulation D, cover for individual directors who get a Wells Notice, and add-ons for outside directorships, crisis-event expense and investigative costs. 1 Kinro publishes no limits or wording; it often reviews D&O together with employment practices, cyber and E&O, and may fold in employment practices or fiduciary cover as a management-liability program. 2
What Should You Confirm in Corgi and Kinro D&O Insurance Quotes?
- Ask Kinro which insurer it would match you to and whether D&O shares a limit with employment practices or fiduciary cover. 2
- Compare Kinro's placed limit with Corgi's $1 million per claim and $2 million a year. 1 2
- If your lender or investors require a specific kind of insurer, note that Corgi's issuer is Technology Risk Retention Group, Inc., a policyholder-owned risk retention group, and check it meets their terms. 1
Corgi vs Kinro D&O Insurance Compared
Corgi vs Kinro: D&O Insurance: documented features by provider
| Criteria | Corgi Directors & Officers (D&O) | Kinro Directors & Officers |
|---|---|---|
| How to Apply | You can request a D&O quote online through Corgi's self-serve application. 1Company-reported. Product page quote call to action. | To quote D&O, Kinro collects ownership, funding stage, board structure, revenue and headcount, prior claims and investor or lender requirements, and often reviews D&O together with EPLI, cyber and E&O coverage. 2Company-reported. Directors & Officers page "Quote file" and "Reviewed with" sections. |
| Coverage Features | The policy has three coverage parts: Side A pays individual directors and officers directly when the company cannot indemnify them and carries no retention; Side B reimburses the company when it does indemnify directors and officers; Side C covers the company entity itself, subject to additional exclusions including intellectual-property claims and contractual liability. 1Company-reported. Coverage summary for form CORG-DO-0100; the issued policy and declarations control. The standard policy excludes claims from registered public securities offerings, but a carve-back preserves coverage for exempt transactions such as Regulation D private placements, which Corgi says covers how most startups raise capital. 1Company-reported. Scenario notes for form CORG-DO-0100; not every fundraising structure automatically qualifies as exempt. Corgi covers individual directors and officers (Sides A and B) who receive a Wells Notice, subpoena or target letter from a regulator, but the standard policy excludes entity-level regulatory investigations of the company itself. 1Company-reported. Policy notes for form CORG-DO-0100; informal inquiries and document requests that don't rise to these triggers are not covered. | Kinro says D&O placements typically address claims involving management decisions, governance, investors or executives, and that a management-liability program may also fold in EPLI (employment practices) or fiduciary coverage. 2Company-reported. Directors & Officers page "Coverage" section; actual terms depend on the carrier and policy placed. |
| Role in This Line | Corgi sells D&O as a standalone startup policy and also bundles it into its stage-based packages starting at pre-seed and seed, describing it as protection for directors and officers against personal financial liability for management decisions. 1Company-reported. Product page for form CORG-DO-0100, last reviewed by Corgi on April 24, 2026 per the page itself. | Kinro is a broker: it matches a business to a D&O carrier rather than underwriting the policy itself, saying the product "can underwrite differently" by operation and that market fit depends on carrier appetite. 2Company-reported. Directors & Officers page "Routing" and "Market fit" sections. |
