---
title: "Corgi vs Risklytics: D&O Insurance"
description: "Corgi sells its own startup D&O form online, with illustrative limits of $1 million per claim and $2 million aggregate; Risklytics places AI and robotics startups with specialist insurers, typically at $1 million to $3 million, with no broker fee on top."
canonical: "https://spot.insure/compare/corgi-vs-risklytics/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "corgi-vs-risklytics"
provider-a: "corgi"
provider-b: "risklytics"
coverage-line: "directors-officers"
---

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

## Agent Guide

**What this page is:** Focused comparison of Corgi and Risklytics 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 Risklytics. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: D&O Insurance. Providers: Corgi and Risklytics.
- 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 Risklytics](https://spot.insure/compare/corgi-vs-risklytics) — 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
- [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile

# Corgi vs Risklytics: How Do They Compare for D&O Insurance?

Risklytics lists a typical $1 million to $3 million limit ask for venture-backed D&O; Corgi sells startup coverage online with example limits of $1 million per claim and $2 million total.

Corgi sells one published startup D&O form online at $1 million/$2 million; Risklytics shops AI and robotics startups to specialist insurers, with typical limits of $1 million to $3 million and no broker fee.

## Corgi vs Risklytics D&O Insurance Summary

Corgi sells its own startup D&O form online, with illustrative limits of $1 million per claim and $2 million aggregate; Risklytics places AI and robotics startups with specialist insurers, typically at $1 million to $3 million, with no broker fee on top. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [2](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [3](https://www.risklytics.ai/about/ "About Risklytics: who we are")

## What Are the Key Differences Between Corgi and Risklytics D&O Insurance?

### Published Form vs Broker for AI and Robotics Startups

Corgi shows its whole D&O form before you apply: a $25,000 retention (none on Side A), defense costs inside the limit, a carve-back that keeps Regulation D raises covered, and coverage for executives who get a Wells Notice or subpoena. Risklytics places you with specialist insurers that write robotics, autonomy and AI risk, keeps a licensed producer on your file until binding, and charges no broker fee on top of premium. Choose Corgi if you're a pre-seed or seed startup that wants to see the policy terms and buy online; choose Risklytics if you're an AI, robotics or autonomy company that wants an advocate and up to $3 million. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [2](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [3](https://www.risklytics.ai/about/ "About Risklytics: who we are") [4](https://www.risklytics.ai/pricing/ "How pricing and broker fees work")

### When to Buy

Risklytics says the norm is to buy D&O at or before your first priced round, because term sheets and new board members usually make it a closing condition. Corgi sells D&O on its own or inside stage-based packages starting at pre-seed. [2](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups")

## What Should You Confirm in Corgi and Risklytics D&O Insurance Quotes?

- Ask Risklytics which insurer would write your policy; it names none. [3](https://www.risklytics.ai/about/ "About Risklytics: who we are")
- Corgi's policy is written by Technology Risk Retention Group, a risk retention group; ask what that means for protection if the insurer fails. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups")
- Ask Risklytics whether defense costs sit inside the limit, to compare fairly with Corgi's $1 million/$2 million. [2](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups")

## Corgi vs Risklytics D&O Insurance Compared

| Criteria | Corgi Directors & Officers (D&O) | Risklytics Directors & Officers Insurance |
| --- | --- | --- |
| Limits and Retentions | Corgi's illustrative D&O structure shows limits up to $1 million per claim and $2 million in the aggregate, with a $25,000 self-insured retention per claim (no retention on Side A) and defense costs included within the limit. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Illustrative policy structure on the product page; actual limits and retentions appear on the declarations..) | Risklytics lists a typical ask of $1 million to $3 million for venture-backed companies for this line. [2](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Lines page; actual limits are set on the bound policy..) |
| 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..) | You start Risklytics Directors & Officers Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. [4](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [3](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Pricing page describes the general application and fee process, not a line-specific form..) |
| 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..) | Risklytics describes D&O as protecting a founder's personal assets when an investor or regulator sues over how the company was run, citing an investor suit after a down round and a regulator inquiry into AI capability claims as examples, and distinguishes it from Tech E&O, which answers a customer's product-failure claim instead. [2](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) |
| 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..) | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Directors & Officers Insurance with outside carriers; it says it does not underwrite policies itself. [3](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: About page; describes Risklytics' brokerage model generally, restated for this line..) |
| Issuing Insurer | Corgi's D&O product page states directly that the policy is a claims-made policy underwritten by Technology Risk Retention Group, Inc., a risk retention group. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Policy Boundaries section of the D&O product page; this is a line-specific underwriter statement, distinct from Corgi's general multi-entity disclaimer..) | Risklytics does not name the carrier that underwrites Risklytics Directors & Officers Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. [2](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") [3](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Lines page and about page; no specific insurer is published for this line..) |
| Risk Services | Corgi offers three optional D&O endorsements: Outside Directorship (extends coverage to directors and officers serving on outside boards at the company's request), Crisis Event Expense (covers PR and crisis-communications costs after negative publicity), and Investigative Costs (broader coverage for regulatory inquiries short of a formal claim). [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Available Add-ons section of the product page; endorsement availability varies by jurisdiction and underwriting, and each requires a separate endorsement to apply..) | Risklytics calls D&O easy to get for venture-backed companies with a clean story, describing quick placement for that segment. [2](https://www.risklytics.ai/lines/management/ "Directors & Officers Insurance") (Evidence: Company-reported; scope: Lines page..) |

## About Corgi and Risklytics and D&O Insurance

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

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

- [Corgi vs Risklytics](https://spot.insure/compare/corgi-vs-risklytics): 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)
- [Risklytics D&O Insurance](https://spot.insure/insurance-providers/risklytics/directors-officers)

## Sources for Corgi vs Risklytics 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 Risklytics

2. [Directors & Officers Insurance](https://www.risklytics.ai/lines/management/). Risklytics; Coverage line: Directors & Officers; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
3. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
4. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. 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.

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