---
title: "Corgi vs Relm Insurance: D&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/corgi-vs-relm/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "corgi-vs-relm"
provider-a: "corgi"
provider-b: "relm"
coverage-line: "directors-officers"
---

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[Human-readable page](https://spot.insure/compare/corgi-vs-relm/directors-officers)

## Agent Guide

**What this page is:** Focused comparison of Corgi and Relm Insurance for D&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for D&O Insurance questions about Corgi versus Relm Insurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Corgi vs Relm Insurance for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, Corgi or Relm Insurance?
- What does Corgi or Relm Insurance publish about D&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: D&O Insurance. Providers: Corgi and Relm Insurance.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [Corgi vs Relm Insurance](https://spot.insure/compare/corgi-vs-relm) — all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works
- [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile
- [Relm Insurance profile](https://spot.insure/insurance-providers/relm) — provider profile

# 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 lets pre-seed and seed startups buy a published $1 million D&O policy online, while Relm writes custom D&O for Web3, biotech and AI companies only through your broker.

## Corgi vs Relm Insurance D&O Insurance Summary

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](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## 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](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

### 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](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## 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](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups")
- Ask your broker which insurer or fronting partner issues a Relm policy; Relm's page doesn't say. [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")
- Compare the limit on your Relm quote with Corgi's $1 million / $2 million sample. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")

## Corgi vs Relm Insurance D&O Insurance Compared

| 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. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: 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. [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Coverage summary for form CORG-DO-0100; the issued policy and declarations control..)<br><br>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. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Scenario notes for form CORG-DO-0100; not every fundraising structure automatically qualifies as exempt..)<br><br>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. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: 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. [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: 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. [2](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement..) |

## About Corgi and Relm Insurance and D&O Insurance

- [Corgi company profile](https://spot.insure/insurance-providers/corgi) · [Corgi customer reviews](https://spot.insure/insurance-providers/corgi/reviews)
- [Relm Insurance company profile](https://spot.insure/insurance-providers/relm) · [Relm Insurance customer reviews](https://spot.insure/insurance-providers/relm/reviews)
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers)

## Related Pages for Corgi vs Relm Insurance D&O Insurance

- [Corgi vs Relm Insurance](https://spot.insure/compare/corgi-vs-relm): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [Corgi D&O Insurance](https://spot.insure/insurance-providers/corgi/directors-officers)
- [Relm Insurance D&O Insurance](https://spot.insure/insurance-providers/relm/directors-officers)

## Sources for Corgi vs Relm Insurance D&O Insurance

### Sources About Corgi

1. [Directors & Officers (D&O) Insurance for Startups](https://www.corgi.insure/directors-and-officers). Corgi Insurance; What's Actually Inside Your D&O Policy (form CORG-DO-0100); Scenario notes; Policy notes; Available Add-ons; FAQ. Accessed 2026-09-23.

### Sources About Relm Insurance

2. [Financial Lines Insurance](https://relminsurance.com/lines-of-business/financial-lines-insurance/). Relm Insurance; Directors and Officers (D&O) Liability Insurance: What Is D&O Liability Insurance?; Risk Is Part of the Role. Personal Exposure Doesn't Have to Be.; What Does D&O Insurance Cover?. Accessed 2026-09-23.

Updated 2026-09-29. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/corgi-vs-relm/directors-officers.md)
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- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
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