---
title: "Corgi vs RiskCube Tech E&O Insurance"
description: "Corgi binds a listed exclusion set on TRRG paper; RiskCube shops unnamed carriers for AI, govtech and Web3 companies within about 24 hours."
canonical: "https://spot.insure/compare/corgi-vs-riskcube/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# 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.

## Research Scope and Use

Use this comparison to evaluate Corgi and RiskCube for Tech E&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Corgi quotes Tech E&O instantly, primarily through Technology Risk Retention Group, and lists contract, AI and IP as base exclusions. RiskCube is an independent brokerage that compares Tech E&O across carriers for AI/ML, fintech, govtech, defense, space and Web3 companies and typically returns quotes in about 24 hours. [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [10](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance")

## 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](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [3](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [4](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [5](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups")

[Corgi profile](https://spot.insure/insurance-providers/corgi)

## 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](https://riskcubeai.com/ "Startup Business Insurance") [8](https://riskcubeai.com/licenses "Licenses & Disclosures") [9](https://riskcubeai.com/disclosures "Disclosures & Compensation")

[RiskCube profile](https://spot.insure/insurance-providers/riskcube)

## 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](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [12](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [13](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management")

## 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](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [10](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [9](https://riskcubeai.com/disclosures "Disclosures & Compensation")

### 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](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [10](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance")

### 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](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance")

## 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](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance")
- Ask Corgi if the quote is TRRG or partner paper. [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance")
- If an MSA requires waiver of subrogation, ask RiskCube to show it and ask Corgi whether the form includes it. [10](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance")
- Compare Corgi’s $1 million / $2 million illustration with RiskCube’s unpublished limit guidance. [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [10](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance")

## Offering Details

| 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](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: 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. [10](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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. [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: 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](https://riskcubeai.com/disclosures "Disclosures & Compensation") [10](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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. [10](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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. [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: Illustrative scenario notes on the Tech E&O product page; the issued policy and declarations control the actual trigger..)<br><br>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. [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: 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. [10](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Tech E&O product page "What's covered" section..)<br><br>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. [10](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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. [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") (Evidence: Company-reported; scope: 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. [10](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Not publicly disclosed; scope: 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. [6](https://www.corgi.insure/tech-eo "Tech E&O Insurance for Startups | Corgi Insurance") (Evidence: Not found in reviewed sources; scope: 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. [10](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: 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. [10](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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. [10](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Not found in reviewed sources; scope: Tech E&O product page as read on 2026-09-23..) |

## Full Comparison

- [Corgi vs RiskCube](https://spot.insure/compare/corgi-vs-riskcube): all coverage lines, business roles, service and claims.
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology E&O insurance addresses claims that a problem with your technology product or service caused a customer financial loss.
- [Corgi vs RiskCube Crime Insurance](https://spot.insure/compare/corgi-vs-riskcube/crime)
- [Corgi vs RiskCube Cyber Insurance](https://spot.insure/compare/corgi-vs-riskcube/cyber)
- [Corgi vs RiskCube D&O Insurance](https://spot.insure/compare/corgi-vs-riskcube/directors-officers)
- [Corgi vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/corgi-vs-riskcube/employment-practices)
- [Corgi vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/corgi-vs-riskcube/fiduciary)
- [Corgi vs RiskCube General Liability Insurance](https://spot.insure/compare/corgi-vs-riskcube/general-liability)
- [Alliance Risk vs Corgi Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/technology-errors-omissions)
- [Alliance Risk vs RiskCube Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-riskcube/technology-errors-omissions)
- [Amelia Risk vs Corgi Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/technology-errors-omissions)
- [Amelia Risk vs RiskCube Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-riskcube/technology-errors-omissions)
- [At-Bay vs Corgi Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-corgi/technology-errors-omissions)
- [At-Bay vs RiskCube Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-riskcube/technology-errors-omissions)

## Sources

### Corgi

1. [Disclaimers & Licensing](https://www.corgi.insure/disclaimers). 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: Startup Insurance, Quoted in Minutes](https://www.corgi.insure). 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.
3. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
4. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
5. [Insurance Topics: Risk Retention Groups](https://content.naic.org/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.
6. [Tech E&O Insurance for Startups | Corgi Insurance](https://www.corgi.insure/tech-eo). 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

7. [Startup Business Insurance](https://riskcubeai.com/). RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
8. [Licenses & Disclosures](https://riskcubeai.com/licenses). RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
9. [Disclosures & Compensation](https://riskcubeai.com/disclosures). 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.
10. [Technology Errors and Omissions (E&O) Insurance](https://riskcubeai.com/insurance/tech-eo). 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

11. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). 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.
12. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). 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.
13. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). 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.

Updated 2026-09-23. 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.

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