Corgi vs StartupInsurance.ai

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

StartupInsurance.ai identifies itself as a marketing brand of ContractorNerd Insurance Services, LLC. ContractorNerd describes its role as an insurance agent or broker, not an insurer; it does not underwrite the policies. ^24,27

ContractorNerd’s licensing page assigns quotes, binding and insurance transactions to ContractorNerd Insurance Services, LLC, with servicing supported by its licensed agents and partners. Its terms allow submissions through insurers and intermediaries. Confirm the producer-of-record arrangement for your StartupInsurance.ai placement. ^26,27

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 homepage names Hartford, Chubb, Coalition, Tokio Marine HCC, Travelers and CNA. These brand references do not establish your issuing legal insurer, product access or policy terms. ²³

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

ContractorNerd reports California property-and-casualty license 6015566 as active and says it is licensed in all 50 states. This is the agency’s own disclosure, not an independently verified regulator result. StartupInsurance.ai says availability varies by state, carrier and risk, with some surplus-lines placements; the reviewed sources do not establish a California route for every advertised product. ^26,24

Corgi says customers can add or upgrade policies through its dashboard as they raise funding, hire, or sign larger contracts. Renewal and cancellation terms depend on the policy and state rules. ^2,1

The company offers a free review of existing policies and a customer contract, promising a written assessment of AI exclusions and contract gaps within 48 hours. That timing and the review’s completeness have not been independently tested. ²⁴

The company advertises self-service certificates, centralized policy documents and renewal tracking. These operating services were not tested in an authenticated account. ²³