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

Relm Insurance writes tech E&O as professional liability for software and tech-service firms, with a separate Fintech E&O product. Corgi sells a stand-alone policy you quote and bind online, with AI and IP cover available as add-ons.

Corgi lets startups buy Tech E&O instantly online at a $1 million/$2 million sample limit, but its base form excludes AI claims and pure contract or SLA failures unless you add endorsements. Relm sells through brokers and offers a separate Fintech E&O product for blockchain and regulatory risk. ^2,^1,³

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

Instant Startup Quote vs Broker-Placed Tech and Fintech Forms

Corgi sells Tech E&O as a standalone instant-quote policy and inside its startup packages. Relm sells through brokers, keeps Tech E&O separate from its cyber product, and offers a distinct Fintech E&O product because standard Tech E&O isn't always enough for fintech companies. Choose Corgi if you're a startup that wants cover today online; choose Relm if you're a fintech or blockchain company, or want a broker-placed form. ¹ ² ³

Corgi's Base Form Has Gaps You Must Endorse Away

Corgi's standard policy excludes AI-related claims (an AI/algorithmic liability endorsement adds them back), claims based solely on breach of contract or SLA failure (unless you buy a carveback), and data-breach liability. If you sell AI features or promise uptime, the base quote may not respond. Relm lists missed contract obligations, poor service delivery and software glitches as covered, and names AI bias, model theft and data poisoning as exposures, though it publishes no form to check. ¹ ³

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

If you're a fintech, ask Relm whether the quote is Tech E&O or Fintech E&O. ³
Ask Corgi whether the AI and contract/SLA endorsements are on your quote. ¹
Ask Relm which insurer issues the policy. Corgi's primary insurer is its own risk retention group (a member-owned insurer outside the state guaranty-fund system) unless you ask for rated paper. ³ ¹
Compare Corgi's $1 million / $2 million illustration with Relm's quoted limits. ¹ ³

Corgi vs Relm Insurance Tech E&O Insurance Compared

Corgi vs Relm Insurance: Tech E&O Insurance: documented features by provider

Criteria	Corgi Tech E&O	Relm Technology Errors and Omissions Insurance
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. ¹Company-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. ¹Company-reported. Tech E&O policy notes and Available Add-ons section; endorsement availability varies by jurisdiction and underwriting.	Relm says Tech E&O covers claims relating to inadequate service delivery or failure to meet contractual obligations, system failures or software glitches affecting customers' operations, and negligent advice, misrepresentation or failure to disclose product limitations, typically including legal defense fees, settlements and judgments. ³Company-reported. Cyber and Tech E&O page 'What is Tech E&O Insurance?' section; the issued policy and declarations control. Relm says standard Tech E&O is not always sufficient for fintech companies and offers a distinct Fintech Errors and Omissions product addressing blockchain-related vulnerabilities and heightened regulatory scrutiny. ³Company-reported. Cyber and Tech E&O page 'What is Fintech Errors and Omissions Insurance?' section; a related but separate product. Relm explicitly says there is some overlap between Tech E&O and cyber coverage, but having one does not protect a client from the exposures the other addresses. ³Company-reported. Cyber and Tech E&O page 'Who Needs Cyber and Tech E&O Insurance?' section.
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. ^1,²Company-reported. Tech E&O product page and homepage package contents; package composition may change.	Relm markets Technology Errors and Omissions as professional liability for the technology sector, separate from the cyber liability product on the same page. ³Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

Criteria

Corgi Tech E&O

Relm Technology Errors and Omissions Insurance

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. ¹Company-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. ¹Company-reported. Tech E&O policy notes and Available Add-ons section; endorsement availability varies by jurisdiction and underwriting.

Relm says Tech E&O covers claims relating to inadequate service delivery or failure to meet contractual obligations, system failures or software glitches affecting customers' operations, and negligent advice, misrepresentation or failure to disclose product limitations, typically including legal defense fees, settlements and judgments. ³Company-reported. Cyber and Tech E&O page 'What is Tech E&O Insurance?' section; the issued policy and declarations control.

Relm says standard Tech E&O is not always sufficient for fintech companies and offers a distinct Fintech Errors and Omissions product addressing blockchain-related vulnerabilities and heightened regulatory scrutiny. ³Company-reported. Cyber and Tech E&O page 'What is Fintech Errors and Omissions Insurance?' section; a related but separate product.

Relm explicitly says there is some overlap between Tech E&O and cyber coverage, but having one does not protect a client from the exposures the other addresses. ³Company-reported. Cyber and Tech E&O page 'Who Needs Cyber and Tech E&O Insurance?' section.

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. ^1,²Company-reported. Tech E&O product page and homepage package contents; package composition may change.

Relm markets Technology Errors and Omissions as professional liability for the technology sector, separate from the cyber liability product on the same page. ³Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.