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Corgi vs Risklytics

Compare a startup insurance package with a frontier-tech brokerage submission when a robot pilot needs both liability coverage and acceptable insurer paper.

Introduction

A robotics startup can have two requirements at once: insure a new deployment and satisfy a customer's rules about the insurer. Corgi offers stage-based startup packages, including technology liability, while Risklytics presents the operation to markets that it says understand frontier technology. The choice is therefore about both the coverage proposal and the entity standing behind it. 2 24

Where Each Provider Shines

Where Corgi Shines

  • Stage-based packages give technology startups a starting point from pre-seed through growth, with a custom option. 2,3,6,15
  • Corgi says customers can add or upgrade policies through its dashboard as funding, hiring and contract requirements change. 2,1

Where Risklytics Shines

  • Risklytics says it prepares the application from your business description and website for your review. 23
  • Risklytics says it reviews technology E&O wording for AI exclusions before binding. 30

Coverage Comparison

Coverage TypeCorgiRisklytics
Business owner’s policyListed 2Not listed
Cargo and transitListed 2Not listed
Commercial autoListed 2Not listed
Commercial propertyNot listedListed 26
CrimeListed 2Not listed
Cyber liabilityListed 2Listed 26
Directors and officersListed 2Listed 26
Employment practices liabilityListed 2Not listed
Fiduciary liabilityListed 2Not listed
General liabilityListed 2Listed 26
Hired and non-owned autoListed 2Not listed
Intellectual propertyNot listedListed 26
Kidnap and ransomListed 2Not listed
Liquor liabilityListed 2Not listed
Media liabilityListed 2Not listed
Medical malpracticeListed 2Not listed
Professional liability / E&OListed 2Not listed
Representations and warrantiesListed 2Not listed
Technology errors and omissionsListed 2Listed 26
Tools, equipment and inland marineNot listedListed 26
Umbrella and excess liabilityListed 2Listed 26
Workers’ compensationListed 2Listed 26

Listed products and programs, including policies arranged through insurers or partners. Optional endorsements are discussed in the analysis below. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

Key Differences Between Corgi and Risklytics

A Package and a Placement Search Start Differently

Corgi's pre-seed, Series A and growth packages give a founder an initial grouping of coverages. Risklytics says it builds an application from the business description and public information for the buyer to check. A funding-stage package can organize the purchase, but neither that label nor an automatically prepared application settles how a robot working at a customer's premises is described to the insurer. Compare the submitted operations description as well as the quoted limits. 2 23

The Insurer Requirement Can Decide Whether a Quote Is Usable

Corgi's disclosures distinguish its producer from affiliated and partner insurers. They say Technology Risk Retention Group has no AM Best rating, while admitted partner options depend on the risk and state. Do not transfer a partner's rating to another Corgi entity. Risklytics' reviewed disclosures do not name the insurer for a California placement, so its brokerage brand also cannot answer the customer's insurer requirement. 1 25 26

An AI Label Does Not Resolve the Deployment Wording

Corgi markets a Tech & AI Liability module; Risklytics says it reviews technology E&O forms for AI exclusions. Those describe different things—a marketed product and a broker review activity. Ask both to connect the actual deployment to the proposed insuring language and exclusions. Risklytics' published agency table does not list California, and this research has not established its California producer route; absence from that table is not proof it cannot arrange coverage. 8 30 24

What to Confirm in Quotes

  • Obtain the insurer's exact name and confirm that the customer accepts its status and rating, rather than submitting a brand-level description. 1 25
  • Ask whether the robot, installation work and software output are covered under the proposed forms, and where separate property or equipment insurance sits. 2 26
  • Get written binding conditions and the California producer arrangement before committing to the pilot start date. Corgi's speed claims and Risklytics' prepared intake do not establish an effective policy. 1 28 24

Service Comparison

Corgi vs Risklytics Insurance: documented services and availability

CriteriaCorgiRisklytics
Business role

Corgi Insurance Services, Inc. is the licensed agency that sells and administers Corgi policies. The insurer named in your policy provides the coverage. 1,2,4

Risklytics describes itself as a commercial insurance brokerage. Its current legal disclosures identify Risklytics, Inc., doing business as Risklytics Insurance Services, as the producer arranging coverage rather than the insurer. 24,25

Access to insurers

Corgi uses affiliated and partner insurers. Your policy names the insurer and claims administrator for your coverage. 1

Technology Risk Retention Group, Inc. appears in the NAIC company listing as Arizona-domiciled property and casualty company code 17763 (listed as TECHNOLOGY RRG INC). Corgi’s disclaimers call TRRG the group’s primary underwriting entity and a risk retention group organized under the Liability Risk Retention Act. The same Carrier Financial Strength paragraph describes TRRG as federally chartered and operating under federal prudential oversight; that wording is company language and is not adopted here as a legal conclusion. 17,1,3,2,18,19

A risk retention group is a member-owned liability insurer licensed in its home state. Federal law lets it operate in other states through registration. Members must have similar or related business risks. 18,19,21

For customers who need an admitted insurer, Corgi says it can use affiliated or partner carriers rated A- or better by AM Best. Options depend on the state, coverage, and business. Eligible admitted policies may have state guaranty-association protection, subject to that state’s limits. 1,3,2,9

Corgi says Technology Risk Retention Group does not have an AM Best rating. A financial-strength rating and admitted status are separate things. 1,5

Corgi Insurance Company’s August 2026 launch announcement did not give a financial-strength rating or a complete list of licensed states. Confirm both if they are requirements for your business. 9,22

Policies issued by a risk retention group are not covered by state insurance guaranty funds. Corgi includes this notice for policies issued by Technology Risk Retention Group. 20,2,1

Corgi says its insurers may share risk with reinsurers, while the insurer on your policy remains responsible for claims. Its public disclosures do not name the current reinsurers or their contract terms. 1,14

The terms allow submissions directly to insurers or through wholesale brokers. No named issuing insurer or product-specific California placement arrangement was identified in the reviewed terms, market-access page or coverage pages. 25,26,30,32

Application process

You can apply online or book a call with a Corgi specialist. Corgi says eligible applicants can get a quote in minutes and buy coverage the same day. Its disclosures describe both an issued-policy-and-payment condition and temporary coverage under a written binder. Confirm the applicable conditions and effective date in writing. 2,1

Risklytics says it drafts an application using your description and public business information, including your website, for you to check and sign. It advertises Slack and email placement updates. The application-preparation process and its speed were not tested. 23

Risklytics says it reviews the application with you, approaches suitable insurers and reads quote wording before making a recommendation. Its FAQ says the insurer binds after you accept a quote; timing varies with the coverage and operation. 28

Availability

Corgi Insurance Services lists agency licenses in 49 states and Washington, D.C.; New Mexico is not listed. Product availability varies by state and is subject to underwriting approval. 4,2,1

Rhode Island’s 23 June 2026 list of registered risk retention groups includes Technology Risk Retention Group, Inc., NAIC 17763, at 425 Bush Street, San Francisco. A complete list of states where TRRG is registered was not found in the reviewed sources. 16

Risklytics publishes agency NPN 22311838 and Massachusetts resident license 3004393145. Its state table, dated September 10, 2026, also lists Arizona, Colorado, Illinois, Indiana, New Jersey, Ohio, Texas and Washington. These are company-reported identifiers, not independently verified licenses or product eligibility. 24

California is absent from the reviewed agency-license table. A California-authorized producer and product route remain unconfirmed in the reviewed disclosures; this does not establish that Risklytics cannot arrange California coverage. Confirm the responsible producer, authority and insurer for your operation before relying on a quote. 24,25,33

Sources

Corgi Official Website

  1. 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.
  2. Corgi Insurance homepage. Corgi Insurance Services, Inc.; Product packages; Self-Serve (apply, get quoted in minutes, bind same-day) and Book a Demo paths; FAQ on cost, claims, and binding; footer entity notices. Accessed 2026-09-15.
  3. About Corgi. Corgi Insurance Services, Inc.; Company description; Federally Regulated, A-Rated Admitted Access, and Licensed Nationwide sections. Accessed 2026-09-15.
  4. Insurance Producer Licenses. Corgi Insurance Services, Inc.; State-by-state producer license table for Corgi Insurance Services, Inc.. Accessed 2026-09-15.
  5. Directors & Officers (D&O) Insurance for Startups. Corgi Insurance Services, Inc.; Form CORG-DO-0100 coverage summary; policy notes stating TRRG underwrites the D&O coverage part; footer identifying Corgi Insurance Company, Inc. NAIC 17989. Accessed 2026-09-15.
  6. Customer Success Stories. Corgi Insurance Services, Inc.; Page heading and named technology-company testimonials; cost FAQ. Accessed 2026-09-15.
  7. Partnerships. Corgi Insurance Services, Inc.; Direct Underwriting savings claim; partner-page process; onboarding-to-claims handling claim. Accessed 2026-09-15.
  8. Insurance for AI, Built for Model Risk. Corgi Insurance Services, Inc.; Tech & AI Liability product description and related AI-risk FAQ. Accessed 2026-09-15.
  9. 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.
  10. Corgi Insurance Raises $108 Million, Receives Regulatory Approval to Launch the First Full-Stack Insurance Carrier for Startups. PR Newswire (Corgi press release); 9 January 2026 funding announcement; listed startup coverage lines; company-reported ARR figure. Accessed 2026-09-15.
  11. Corgi Reaches $2.6B Valuation With $106M Series B1 Three Weeks After $160M Unicorn Round. PR Newswire (Corgi press release); 28 May 2026 company statement of $378 million total funding and planned vertical expansion. Accessed 2026-09-15.
  12. Corgi Insurance Launches Corgi Claims, the AI-Native TPA. PR Newswire (Corgi press release); 29 June 2026 launch of Corgi Claims as a TPA; disclaimer that claims services are provided through licensed subsidiaries and affiliates. Accessed 2026-09-15.
  13. Corgi Insurance and Silicon Valley Bank Partner to Connect Clients to Preferred Coverage Solutions. PR Newswire (Corgi and Silicon Valley Bank press release); 17 June 2026 partnership announcement for SVB client access to Corgi products. Accessed 2026-09-15.
  14. Corgi: Rebuilding Insurance with AI. Kindred Ventures; 8 January 2026 investor announcement describing Corgi as a full-stack carrier with a captive reinsurer; company-reported 40,000+ policyholders across 49 states. Accessed 2026-09-15.
  15. Corgi Insurance company profile. Y Combinator; Summer 2024 batch; San Francisco location; 2024 founding; team size 250; description as a full-stack insurance carrier for startups. Accessed 2026-09-15.
  16. Registered Federal Risk Retention Groups. Rhode Island Department of Business Regulation; Report date 23 June 2026; registration entry for Technology Risk Retention Group, Inc., NAIC 17763, 425 Bush St., San Francisco, CA 94108. Document title uses “Federal”; that is the state’s list label, not TRRG’s charter type.. Accessed 2026-09-15.
  17. 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.
  18. 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.
  19. 15 U.S.C. § 3901 — Definitions. U.S. House Office of the Law Revision Counsel; Liability Risk Retention Act definitions of liability and risk retention group, including state charter, member-ownership, and liability-only activity limits. Accessed 2026-09-15.
  20. 15 U.S.C. § 3902 — Risk retention groups. U.S. House Office of the Law Revision Counsel; Non-domicile state registration and policy notice requirements; exemption from state insurance insolvency guaranty associations. Accessed 2026-09-15.
  21. Arizona Revised Statutes § 20-2402. Arizona Legislature; Risk retention groups chartered and licensed in Arizona may write only liability insurance under that chapter. Accessed 2026-09-15.
  22. Corgi built its name insuring AI startups. Its new carrier targets dry cleaners, salons and more. Insurance Business; 27 August 2026 report identifying Technology Risk Retention Group as an Arizona-chartered RRG and noting that the admitted-carrier announcement does not specify domicile, licensed states, or rating status. Accessed 2026-09-15.

Risklytics Official Website

  1. Insurance for Frontier Tech. Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
  2. About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
  3. Terms of Service. Risklytics; Effective August 7, 2026; sections 1–5, 7, 9, 12; live HTML retrieved September 16, 2026. Accessed 2026-09-16.
  4. For insurers and wholesale markets. Risklytics; The lines we place; appetite form; Applications that state the exposure. Accessed 2026-09-16.
  5. How pricing and broker fees work. Risklytics; What it costs; broker fee row; No published rates; commission disclosure on request. Accessed 2026-09-16.
  6. Questions founders ask. Risklytics; Cost and process: What do we pay a broker?; What happens after we submit an application?. Accessed 2026-09-16.
  7. Contact a commercial insurance broker. Risklytics; Write to us; email response statement and contact form. Accessed 2026-09-16.
  8. Professional Liability (Tech E&O) insurance. Risklytics; How hard to get; Common questions; general-description disclaimer. Accessed 2026-09-16.
  9. Intellectual Property insurance, explained. Risklytics; Common questions; How hard to get; general-description disclaimer. Accessed 2026-09-16.
  10. Space insurance, explained. Risklytics; Built for moments like these; Common questions; general-description disclaimer. Accessed 2026-09-16.
  11. Business Name Search. California Department of Insurance; Initial agency-name search form only; no completed provider search or license result. Accessed 2026-09-16.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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