Corgi vs 
Marsh Tech E&O Insurance
Corgi sells packaged startup Tech E&O on TRRG paper; Marsh brokers the line for professional-liability specialties and data-center towers.
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 Marsh?
Marsh is a global insurance broker and risk advisor. In the United States it places coverage through core Marsh teams and through Marsh McLennan Agency for many middle-market buyers, including technology, cyber, property, casualty and benefits programs. 7,8,9,10
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. 13,14,15
Key Differences in Tech E&O Insurance
Startup Package Versus Data-Center Program
Corgi sells Tech E&O as a standalone instant-quote policy and bundles it into every startup package starting at pre-seed and seed. Marsh treats technology E&O as one of its financial and professional liability specialties, with dedicated attention to the technology industry, and separately names it as a building block inside data-center insurance programs. 6 2 12 11
Off-the-Shelf Form Versus Marsh’s Gap Warning
Corgi publishes a standard claims-made form with named wrongful-act examples and a list of base exclusions (contract/SLA, IP, data breach, AI) that endorsements can modify. Marsh says off-the-shelf technology E&O policies were not built for the scale and concentration of modern data centers and can leave gaps, so it combines technology E&O with property, casualty and other lines for that segment. 6 11
Named RRG Versus Unnamed Markets
Corgi identifies TRRG as the primary underwriter, with optional A- rated partners. Marsh’s reviewed professional-liability and data-center pages do not name a technology E&O insurer. 6 12
What to Confirm in Tech E&O Insurance Quotes
- If you run a data center, ask Marsh which property and casualty layers sit with Tech E&O; Corgi’s package is a startup Tech E&O form, not a data-center tower. 11 2
- Ask Corgi whether TRRG paper meets a landlord or customer requirement for rated admitted insurance. 6
- Get Marsh’s issuing carrier and limit schedule; Corgi’s illustration is $1 million / $2 million with a $10,000 retention. 12 6
- Ask Corgi which add-ons are included in the package versus sold separately. 6
Offering Details
Corgi vs Marsh Tech E&O Insurance: documented features by provider
| Criteria | Corgi Tech E&O | Marsh 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. 6,2Company-reported. Tech E&O product page and homepage package contents; package composition may change. | Marsh treats technology errors and omissions (tech E&O) as one of its financial and professional liability specialties, with dedicated attention to the technology industry, and separately names it as a building block within its data-center insurance programs. 12,11Company-reported. Marsh professional liability page and data-center insurance page. |
| 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. | The reviewed pages do not name a specific technology E&O insurer. 12,11Not publicly disclosed. Marsh professional liability and data-center insurance pages as read on 2026-09-23. |
| Who It’s For | Not described in the reviewed sources. | Marsh names technology among the specialized industries its professional liability (E&O) experts serve, alongside banking, insurance and asset management, media and healthcare. 12Company-reported. Marsh professional liability page, What We Offer section. |
| 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. 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. | Marsh says off-the-shelf technology E&O policies were not built for the scale and concentration of modern data centers and can leave gaps. It designs data center programs that combine technology E&O with property, casualty and other lines. 11Company-reported. Data center insurance page, Closing the gaps in conventional coverage section; describes a gap in standard tech E&O for one customer segment (data centers), not the general product. |
| 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. 6Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations. | Not described in the reviewed sources. |
| 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. 6Not found in reviewed sources. 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. 2Company-reported. Homepage policy-card labeling as of 2026-09-23. | Not described in the reviewed sources. |
Full Comparison
More Corgi vs Marsh Comparisons
Other Tech E&O Insurance Comparisons
Sources
Corgi
- Disclaimers & Licensing. 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.
- Corgi Insurance: Startup Insurance, Quoted in Minutes. 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.
- 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.
- Tech E&O Insurance for Startups | Corgi Insurance. 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.
Marsh
- Marsh | Leader in risk, strategy, people, and investments. Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
- Compensation guide for US clients. Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
- Marsh McLennan Agency (MMA). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
- Technology | Insurance Broking & Risk Management. Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
- Data center insurance and risk management. Marsh; Closing the gaps in conventional coverage: off-the-shelf property, casualty, and technology errors and omissions policies were not built for the scale, density, and aggregation of modern data centers. Accessed 2026-09-23.
- Professional liability. Marsh; What We Offer: specialized industries served, including Technology. Accessed 2026-09-23.
Tech E&O Insurance Guide
- Insurance and Bonding Guidelines. 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.
- Technology Errors and Omissions Insurance. 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.
- DigiTech Enterprise Risk Management. 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.
