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Corgi vs Relm Insurance

Compare a stage-based startup package with separate AI liability and operational-loss products.

Introduction

An AI startup buying its first board and customer-contract insurance has two different comparisons to make: the overall program and the AI protection within it. Corgi organizes coverage into startup-stage packages, while Relm separates developer liability, gaps in existing liability programs and the business’s own losses from third-party AI. Comparing only an “AI insurance” label misses that difference. 2 8 28

Where Each Provider Shines

Where Corgi Shines

  • Stage-based packages give technology startups a starting point from pre-seed through growth, with a custom option. 2,3,6,15
  • Corgi says customers can add or upgrade policies through its dashboard as funding, hiring and contract requirements change. 2,1

Where Relm Insurance Shines

  • Cyber and technology E&O designed for AI developers 29,28
  • First-party cover for third-party AI failures 31

Coverage Comparison

Coverage TypeCorgiRelm Insurance
Business owner’s policyListed 2Not listed
Cargo and transitListed 2Not listed
Commercial autoListed 2Not listed
Commercial propertyNot listedListed 26
CrimeListed 2Listed 26
Cyber liabilityListed 2Listed 26
Digital assetsNot listedListed 26
Directors and officersListed 2Listed 26
Employment practices liabilityListed 2Listed 26
Fiduciary liabilityListed 2Listed 26
General liabilityListed 2Listed 26
Generative AI liabilityNot listedListed 29,28
Hired and non-owned autoListed 2Not listed
Kidnap and ransomListed 2Listed 26
Liquor liabilityListed 2Not listed
Media liabilityListed 2Listed 26
Medical malpracticeListed 2Not listed
Product liabilityNot listedListed 26
Professional liability / E&OListed 2Listed 26
Representations and warrantiesListed 2Not listed
Surety bondsNot listedListed 26
Technology errors and omissionsListed 2Listed 26
Tools, equipment and inland marineNot listedListed 26
Umbrella and excess liabilityListed 2Listed 26
Workers’ compensationListed 2Not listed

Listed products and programs, including policies arranged through insurers or partners. Optional endorsements are discussed in the analysis below. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

Key Differences Between Corgi and Relm Insurance

A Funding-Stage Package or an AI-Specific Submission

Corgi’s pre-seed, Series A and growth-stage packages give the finance team a starting structure for several obligations. Relm’s NOVAAI instead frames the submission around AI products and services, including generated-content disputes, bias and regulatory exposures. Neither a funding-stage label nor an AI label settles the insured-services definition. Compare the actual customer work described in each proposal. 2 29

If you already hold a startup package, Relm’s PONTAAI raises a different question: can an additional wrap address a particular AI gap without replacing the rest? RESCAAI concerns your own losses from third-party AI failures. Those are possible additions to investigate, not proof that a Corgi package needs them or that the products can be combined. 30 31 8

The Policy Name Matters More Than the Group Name

Corgi uses affiliated and partner insurers. Your policy names the insurer and claims administrator for your coverage. 1

Corgi’s record distinguishes Technology Risk Retention Group from its announced admitted carrier and partner insurers. Relm likewise distinguishes its Bermuda insurer from its US producer/MGA. A founder should request the issuer for each coverage part; neither brand identifies every contractual insurer. Relm’s Trisura announcement concerns US digital-asset risks and does not settle its California AI issuer. 1 9 24 32

Buying Quickly and Updating the Program

Corgi describes online applications and dashboard upgrades as funding, hiring and contracts change. Relm describes broker-led access, while its reviewed contact pages leave endorsement and renewal responsibilities unspecified. For a financing deadline, ask who can bind each proposed part and who must approve subsequent changes. Corgi’s advertised speed is not an independently tested binding commitment. 2 1 33 25

What to Confirm in Quotes

  • Separate the package premium and limits from AI-specific protection; compare definitions, exclusions and defense-cost treatment before comparing totals. 8 29
  • If considering a wrap, identify the underlying Corgi policy and the precise exclusion the proposed Relm wording would address. 30
  • Obtain California placement confirmation and each insurer’s legal name, then document the binding date and process for adding new products or services. Relm’s current public record does not establish its California AI route. 1 24 28

Service Comparison

Corgi vs Relm Insurance: documented services and availability

CriteriaCorgiRelm Insurance
Application process

You can apply online or book a call with a Corgi specialist. Corgi says eligible applicants can get a quote in minutes and buy coverage the same day. Its disclosures describe both an issued-policy-and-payment condition and temporary coverage under a written binder. Confirm the applicable conditions and effective date in writing. 2,1

Relm provides an inquiry form requesting contact details, company name and location. Its US launch describes access through distribution partners, and the website states that Relm Insurance Ltd. deals through licensed brokers. The reviewed pages do not establish instant quoting or online binding. 33,25

Access to insurers

Corgi uses affiliated and partner insurers. Your policy names the insurer and claims administrator for your coverage. 1

Technology Risk Retention Group, Inc. appears in the NAIC company listing as Arizona-domiciled property and casualty company code 17763 (listed as TECHNOLOGY RRG INC). Corgi’s disclaimers call TRRG the group’s primary underwriting entity and a risk retention group organized under the Liability Risk Retention Act. The same Carrier Financial Strength paragraph describes TRRG as federally chartered and operating under federal prudential oversight; that wording is company language and is not adopted here as a legal conclusion. 17,1,3,2,18,19

A risk retention group is a member-owned liability insurer licensed in its home state. Federal law lets it operate in other states through registration. Members must have similar or related business risks. 18,19,21

For customers who need an admitted insurer, Corgi says it can use affiliated or partner carriers rated A- or better by AM Best. Options depend on the state, coverage, and business. Eligible admitted policies may have state guaranty-association protection, subject to that state’s limits. 1,3,2,9

Corgi says Technology Risk Retention Group does not have an AM Best rating. A financial-strength rating and admitted status are separate things. 1,5

Corgi Insurance Company’s August 2026 launch announcement did not give a financial-strength rating or a complete list of licensed states. Confirm both if they are requirements for your business. 9,22

Policies issued by a risk retention group are not covered by state insurance guaranty funds. Corgi includes this notice for policies issued by Technology Risk Retention Group. 20,2,1

Corgi says its insurers may share risk with reinsurers, while the insurer on your policy remains responsible for claims. Its public disclosures do not name the current reinsurers or their contract terms. 1,14

Relm’s fronting announcement names Trisura Specialty Insurance Company in connection with US digital-asset risks, including D&O, cyber, technology E&O and crime. A fronting insurer issues the policy while another insurer supplies risk capacity. This announcement does not establish Trisura as the issuer of every Relm product or of a California AI policy. 32

Availability

Corgi Insurance Services lists agency licenses in 49 states and Washington, D.C.; New Mexico is not listed. Product availability varies by state and is subject to underwriting approval. 4,2,1

Rhode Island’s 23 June 2026 list of registered risk retention groups includes Technology Risk Retention Group, Inc., NAIC 17763, at 425 Bush Street, San Francisco. A complete list of states where TRRG is registered was not found in the reviewed sources. 16

Relm’s legal page lists California insurance producer license 6013054 for Relm US Insurance Solutions Inc. This is company-reported and was not independently verified in a regulator record; that row does not list a California surplus-lines license. 24

The reviewed AI product, US MGA and legal pages do not establish the issuing insurer, admitted or surplus-lines status, or placing broker for a California NOVAAI, PONTAAI or RESCAAI policy. California product availability remains to be confirmed for the applicant. 24,25,28

Servicing and renewals

Corgi says customers can add or upgrade policies through its dashboard as they raise funding, hire, or sign larger contracts. Renewal and cancellation terms depend on the policy and state rules. 2,1

The reviewed contact and terms pages provide general-inquiry and complaint channels but do not explain a customer self-service portal, certificate turnaround, endorsement process or renewal timetable. Ask which tasks your broker, the MGA and the issuing insurer will handle. 33,35

Sources

Corgi Official Website

  1. 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.
  2. Corgi Insurance homepage. Corgi Insurance Services, Inc.; Product packages; Self-Serve (apply, get quoted in minutes, bind same-day) and Book a Demo paths; FAQ on cost, claims, and binding; footer entity notices. Accessed 2026-09-15.
  3. About Corgi. Corgi Insurance Services, Inc.; Company description; Federally Regulated, A-Rated Admitted Access, and Licensed Nationwide sections. Accessed 2026-09-15.
  4. Insurance Producer Licenses. Corgi Insurance Services, Inc.; State-by-state producer license table for Corgi Insurance Services, Inc.. Accessed 2026-09-15.
  5. Directors & Officers (D&O) Insurance for Startups. Corgi Insurance Services, Inc.; Form CORG-DO-0100 coverage summary; policy notes stating TRRG underwrites the D&O coverage part; footer identifying Corgi Insurance Company, Inc. NAIC 17989. Accessed 2026-09-15.
  6. Customer Success Stories. Corgi Insurance Services, Inc.; Page heading and named technology-company testimonials; cost FAQ. Accessed 2026-09-15.
  7. Partnerships. Corgi Insurance Services, Inc.; Direct Underwriting savings claim; partner-page process; onboarding-to-claims handling claim. Accessed 2026-09-15.
  8. Insurance for AI, Built for Model Risk. Corgi Insurance Services, Inc.; Tech & AI Liability product description and related AI-risk FAQ. Accessed 2026-09-15.
  9. 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.
  10. Corgi Insurance Raises $108 Million, Receives Regulatory Approval to Launch the First Full-Stack Insurance Carrier for Startups. PR Newswire (Corgi press release); 9 January 2026 funding announcement; listed startup coverage lines; company-reported ARR figure. Accessed 2026-09-15.
  11. Corgi Reaches $2.6B Valuation With $106M Series B1 Three Weeks After $160M Unicorn Round. PR Newswire (Corgi press release); 28 May 2026 company statement of $378 million total funding and planned vertical expansion. Accessed 2026-09-15.
  12. Corgi Insurance Launches Corgi Claims, the AI-Native TPA. PR Newswire (Corgi press release); 29 June 2026 launch of Corgi Claims as a TPA; disclaimer that claims services are provided through licensed subsidiaries and affiliates. Accessed 2026-09-15.
  13. Corgi Insurance and Silicon Valley Bank Partner to Connect Clients to Preferred Coverage Solutions. PR Newswire (Corgi and Silicon Valley Bank press release); 17 June 2026 partnership announcement for SVB client access to Corgi products. Accessed 2026-09-15.
  14. Corgi: Rebuilding Insurance with AI. Kindred Ventures; 8 January 2026 investor announcement describing Corgi as a full-stack carrier with a captive reinsurer; company-reported 40,000+ policyholders across 49 states. Accessed 2026-09-15.
  15. Corgi Insurance company profile. Y Combinator; Summer 2024 batch; San Francisco location; 2024 founding; team size 250; description as a full-stack insurance carrier for startups. Accessed 2026-09-15.
  16. Registered Federal Risk Retention Groups. Rhode Island Department of Business Regulation; Report date 23 June 2026; registration entry for Technology Risk Retention Group, Inc., NAIC 17763, 425 Bush St., San Francisco, CA 94108. Document title uses “Federal”; that is the state’s list label, not TRRG’s charter type.. Accessed 2026-09-15.
  17. 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.
  18. 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.
  19. 15 U.S.C. § 3901 — Definitions. U.S. House Office of the Law Revision Counsel; Liability Risk Retention Act definitions of liability and risk retention group, including state charter, member-ownership, and liability-only activity limits. Accessed 2026-09-15.
  20. 15 U.S.C. § 3902 — Risk retention groups. U.S. House Office of the Law Revision Counsel; Non-domicile state registration and policy notice requirements; exemption from state insurance insolvency guaranty associations. Accessed 2026-09-15.
  21. Arizona Revised Statutes § 20-2402. Arizona Legislature; Risk retention groups chartered and licensed in Arizona may write only liability insurance under that chapter. Accessed 2026-09-15.
  22. Corgi built its name insuring AI startups. Its new carrier targets dry cleaners, salons and more. Insurance Business; 27 August 2026 report identifying Technology Risk Retention Group as an Arizona-chartered RRG and noting that the admitted-carrier announcement does not specify domicile, licensed states, or rating status. Accessed 2026-09-15.

Relm Insurance Official Website

  1. Artificial Intelligence Insurance. Relm Insurance; Introduction; Artificial Intelligence Insurance Risks; footer. Accessed 2026-09-16.
  2. Legal Information. Relm Insurance; Bermuda License; US Licenses, California row; footer jurisdiction restriction. Accessed 2026-09-16.
  3. Relm Launches US MGA. Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
  4. Lines of Business. Relm Insurance; Financial Lines through Specialty Lines; individual offering lists. Accessed 2026-09-16.
  5. Tailored Industry Insurance Products. Relm Insurance; Artificial Intelligence; Digital Asset & Web3; Fintech; Space. Accessed 2026-09-16.
  6. Relm Launches AI Liability Solutions. Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
  7. Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers. Relm Insurance; Introduction; Understanding the New AI Liability Risks for AI Developers. Accessed 2026-09-16.
  8. Relm’s PONTAAI Solution: AI Insurance Coverage Beyond Existing Liability Programs. Relm Insurance; Opening product definition; Specific Shortcomings; Key features. Accessed 2026-09-16.
  9. Relm’s RESCAAI Solution: Innovative Insurance for AI-Exposed Operations. Relm Insurance; RESCAAI: Insurance Coverage Designed for Operational Risks; four coverage areas. Accessed 2026-09-16.
  10. Relm Announces Fronting Partnership with Trisura Specialty Insurance Company. Relm Insurance; Title; opening fronting-agreement paragraph; About Trisura Group. Accessed 2026-09-16.
  11. Contact. Relm Insurance; Get in Touch form; footer broker and coverage restrictions. Accessed 2026-09-16.
  12. Claims. Relm Insurance; Experienced Claims Team; Accessible; illustrative claims scenarios. Accessed 2026-09-16.
  13. Terms & Conditions. Relm Insurance; Website terms; Contact Details: General Inquiries, Claims, Global Claims Response, US Claims Response, Complaints. Accessed 2026-09-16.
  14. Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Executives. Relm Insurance; Opening product announcement; Comprehensive Protection with Immediate Response. Accessed 2026-09-16.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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