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

Risklytics is a licensed producer placing tech E&O with outside carriers, with a typical ask of $1 million to $5 million. Corgi sells a stand-alone policy quoted instantly online, with illustrative limits up to $1 million.

Corgi's instant-quote Tech E&O excludes AI claims unless you buy an endorsement, with $1 million/$2 million limits shown. Risklytics places AI, robotics and autonomy companies with specialist insurers, reads every form for AI exclusions and says customers typically need $1 million to $5 million per claim. ^1,³

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

AI Excluded by Default vs AI Screened Before Binding

Corgi's standard form excludes AI-related claims; you need its AI/algorithmic liability add-on. Risklytics says some insurers quietly exclude AI losses, so it reads every form before binding and places business with specialist insurers that write robotics, autonomy and AI risk. Choose Risklytics if AI output is your core product; choose Corgi if you're an early startup that wants an instant quote and will add the AI endorsement. ¹ ³

Limits

Corgi shows up to $1 million per claim and $2 million aggregate with a $10,000 retention. Risklytics says customers typically ask for $1 million to $5 million per claim once they rely on a model's output, so Corgi's shown limit may fall short of enterprise contracts. ¹ ³

How You Buy

Both take applications online. Corgi also folds Tech E&O into its startup packages. Risklytics says a licensed producer stays on your file until bind and charges no broker fee on top of premium. ¹ ² ⁴ ⁵

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

Ask Risklytics to show its AI-exclusion review on your form. ³
Ask Corgi whether the AI endorsement is attached. ¹
Ask Corgi whether you're on Technology Risk Retention Group (a member-owned insurer without a financial-strength rating) or an A- rated partner. ³ ¹
Confirm there's no broker fee on the Risklytics binder. ⁵

Corgi vs Risklytics Tech E&O Insurance Compared

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

Criteria	Corgi Tech E&O	Risklytics Professional Liability (Tech E&O) Insurance
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. ¹Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations.	Risklytics lists a typical ask of $1 million to $5 million per claim for this line. ³Company-reported. Lines page; actual limits are set on the bound policy.
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.	You start Risklytics Professional Liability (Tech E&O) 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. ^5,⁴Company-reported. Pricing page describes the general application and fee process, not a line-specific form.
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.	Risklytics describes Tech E&O as responding when a company's product or service costs a customer money, such as a perception model mislabeling shipments or an integration error corrupting order data, and distinguishes it from cyber liability, which covers hacks and data leaks rather than a model's own faulty output. ³Company-reported. Lines page; the issued policy and declarations control actual coverage.
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.	Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Professional Liability (Tech E&O) Insurance with outside carriers; it says it does not underwrite policies itself. ⁴Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.
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. ¹Company-reported. Tech E&O FAQ on carrier rating; the actual issuing carrier for a given policy appears on the declarations page, not this page.	Risklytics does not name the carrier that underwrites Risklytics Professional Liability (Tech E&O) 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. ^3,⁴Company-reported. Lines page and about page; no specific insurer is published for this line.