Corgi vs Relm Insurance: How Do They Compare for D&O Insurance?

Relm Insurance distributes custom D&O through brokers for Web3, biotech, and AI companies; Corgi sells startup D&O online with illustrative limits up to $1 million per claim and $2 million total.

Corgi is the direct route: apply online for a D&O policy sampled at $1 million per claim and $2 million total, alone or in a pre-seed or seed package. Relm writes custom D&O for Web3, biotech and AI companies, but only through your broker, and publishes no limits. ^1,²

What Are the Key Differences Between Corgi and Relm Insurance D&O Insurance?

Self-Serve Startup Policy vs Custom Cover for Frontier Sectors

Corgi sells D&O on its own or inside packages timed to pre-seed and seed, with a $25,000 retention in its sample structure. Relm targets companies in fast-changing sectors, naming Web3 founders, biotech leaders and AI pioneers, and describes its D&O as custom rather than one-size-fits-all. Choose Corgi if you're an early startup that wants to buy online now; choose Relm if you're in Web3, biotech or AI and want cover tailored to that risk through your broker. ¹ ²

Published Terms vs a General Description

Corgi spells out its policy: Side A pays directors with no retention when the company can't, private raises under Regulation D stay covered, and directors are covered if they get a Wells Notice or subpoena. Relm only describes D&O generally, covering legal fees and settlements for claims from shareholders, regulators, competitors or employees. ¹ ²

What Should You Confirm in Corgi and Relm Insurance D&O Insurance Quotes?

Corgi's policy is written by Technology Risk Retention Group, a risk retention group; ask what that means if the insurer fails. ¹
Ask your broker which insurer or fronting partner issues a Relm policy; Relm's page doesn't say. ²
Compare the limit on your Relm quote with Corgi's $1 million / $2 million sample. ¹ ²

Corgi vs Relm Insurance D&O Insurance Compared

Corgi vs Relm Insurance: D&O Insurance: documented features by provider

Criteria	Corgi Directors & Officers (D&O)	Relm Directors and Officers Liability Insurance
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.	Relm sells D&O through insurance brokers (its page says brokers can use Relm to protect clients' leadership teams); it does not describe a direct online quote. ²Company-reported. Financial Lines page framing; consistent with Relm's broader broker-distribution model described on its legal-information and US MGA pages.
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.	Relm says D&O coverage generally protects directors and officers' personal assets by covering legal fees, settlements and financial losses when they are held liable for decisions made managing the company, including claims from shareholders, regulators, competitors or employees. ²Company-reported. Financial Lines page general description; Relm notes coverage can differ by carrier, and the issued policy and declarations control.
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.	Relm markets D&O liability as a line brokers can place through Relm for their clients, describing custom coverage rather than a one-size-fits-all policy. ²Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

Criteria

Corgi Directors & Officers (D&O)

Relm Directors and Officers Liability Insurance

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.

Relm sells D&O through insurance brokers (its page says brokers can use Relm to protect clients' leadership teams); it does not describe a direct online quote. ²Company-reported. Financial Lines page framing; consistent with Relm's broader broker-distribution model described on its legal-information and US MGA pages.

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.

Relm says D&O coverage generally protects directors and officers' personal assets by covering legal fees, settlements and financial losses when they are held liable for decisions made managing the company, including claims from shareholders, regulators, competitors or employees. ²Company-reported. Financial Lines page general description; Relm notes coverage can differ by carrier, and the issued policy and declarations control.

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.

Relm markets D&O liability as a line brokers can place through Relm for their clients, describing custom coverage rather than a one-size-fits-all policy. ²Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.