Corgi vs RiskCube Tech E&O Insurance

Corgi binds a listed exclusion set on TRRG paper; RiskCube shops unnamed carriers for AI, govtech and Web3 companies within about 24 hours.

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

Read the Corgi profile

What Is RiskCube Insurance?

RiskCube offers startup insurance brokerage through RiskCube Insurance Services, LLC, with a platform for comparing quotes and managing policies. Its published services emphasize vendor requirements, certificates and renewals; California product eligibility and applicable fees require confirmation. ^7,^8,⁹

Read the RiskCube profile

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. ^11,^12,¹³

Read the full coverage guide

Key Differences in Tech E&O Insurance

Instant RRG Form Versus Market Scan

Corgi sells Tech E&O as an instant-quote policy, primarily on Technology Risk Retention Group paper. RiskCube compares Tech E&O policies across carriers as an independent brokerage and is not the underwriter; third-party carriers issue the policies and are not named on the reviewed pages. ⁶ ² ¹⁰ ⁹

Exclusion Lists

Corgi’s standard policy excludes sole contract/SLA claims, IP infringement, data-breach liability and AI-related claims unless endorsed. RiskCube lists common exclusions including intentional wrongdoing or fraud, incidents known before binding, patent infringement, other IP infringement and financial insolvency, and describes covered items such as software errors, SLA or contract failures, client financial losses and related data loss plus defense. ⁶ ¹⁰

AI Excess and Application Inputs

RiskCube says it can layer excess for algorithmic-bias or hallucination claims and checks waiver-of-subrogation language that enterprise MSAs request, asking applicants for product, customer, revenue, SLA or indemnity details and prior claims, with quotes typically in about 24 hours. Corgi does not describe that excess-AI layer; it sells an AI/algorithmic liability endorsement on the primary form. ¹⁰ ⁶

What to Confirm in Tech E&O Insurance Quotes

Ask RiskCube whether patent infringement is excluded on the proposed form, versus Corgi’s broader IP exclusion unless endorsed. ¹⁰ ⁶
Ask Corgi if the quote is TRRG or partner paper. ⁶
If an MSA requires waiver of subrogation, ask RiskCube to show it and ask Corgi whether the form includes it. ¹⁰ ⁶
Compare Corgi’s $1 million / $2 million illustration with RiskCube’s unpublished limit guidance. ⁶ ¹⁰

Offering Details

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

Criteria	Corgi Tech E&O	RiskCube Technology Errors and Omissions (E&O) 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.	RiskCube compares Tech E&O policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. ¹⁰Company-reported. Tech E&O product page footer and FAQ describing RiskCube as "your independent broker, scanning the entire market" for quotes.
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.	RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including Tech E&O, are underwritten and issued by third-party carriers it does not name; the Tech E&O page itself does not identify an issuing insurer. ^9,¹⁰Company-reported. Company-wide entity and licensing disclosure and the Tech E&O product page as read on 2026-09-23.
Who It’s For	Not described in the reviewed sources.	RiskCube targets Tech E&O at AI/ML, fintech, govtech, defense, space and Web3 companies whose software or models can create financial loss or contract-performance disputes for customers. ¹⁰Company-reported. Tech E&O product page "Who needs this coverage" 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.	RiskCube describes Tech E&O as covering software errors and bugs, failure to meet SLAs or contract terms, client financial losses caused by the policyholder's product, and related data loss, plus legal defense costs. ¹⁰Company-reported. Tech E&O product page "What's covered" section. RiskCube lists common Tech E&O exclusions including intentional wrongdoing or fraud, incidents known before binding, patent infringement, other intellectual-property infringement and financial insolvency. ¹⁰Company-reported. Tech E&O product page "Common Exclusions" section.
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.	RiskCube says needed Tech E&O limits depend on contract requirements and risk exposure, with early-stage startups often starting at lower limits, but does not publish specific limit or retention amounts on the product page. ¹⁰Not publicly disclosed. Tech E&O product page "How much Tech E&O coverage do startups need" FAQ.
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.	RiskCube says it can layer an excess policy on top of Tech E&O to address AI-related coverage gaps such as algorithmic-bias or hallucination claims, and checks that policies include waiver-of-subrogation language that enterprise MSAs request. ¹⁰Company-reported. Tech E&O product page "AI & enterprise risk" FAQ.
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.	RiskCube asks applicants for product, customer, revenue and contract details such as SLAs or indemnities, plus prior claims or known incidents, and says it typically returns Tech E&O quotes within about 24 hours depending on underwriting complexity. ¹⁰Company-reported. Tech E&O product page process steps and "What information do I need to apply" / "How fast can we get Tech E&O quotes" FAQs.
Claims Support	Not described in the reviewed sources.	The reviewed Tech E&O page does not describe claims handling or a dedicated claims team for this line. ¹⁰Not found in reviewed sources. Tech E&O product page as read on 2026-09-23.

Full Comparison

More Corgi vs RiskCube 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.

RiskCube

Startup Business Insurance. RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
Disclosures & Compensation. RiskCube; Section 1, Entity and Licensing Disclosure: "RiskCube is not an insurance carrier and does not underwrite insurance. Insurance coverage is offered, underwritten, and issued by third-party insurance carriers". Accessed 2026-09-23.
Technology Errors and Omissions (E&O) Insurance. RiskCube; Who needs this coverage; What is Tech E&O; What's covered; Common Exclusions; FAQs; application steps; "Independent brokerage · NPN 21694336" footer. 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.