Corgi vs StartupInsurance.ai: How Do They Compare for D&O Insurance?

StartupInsurance.ai focuses on venture-backed founders and checks D&O forms for AI exclusions; Corgi sells startup coverage online with example limits up to $1 million per claim and $2 million total.

Corgi sells its own startup D&O policy, with illustrative limits of $1 million per claim and $2 million aggregate. StartupInsurance.ai shops D&O for startups and will check an existing D&O policy for AI exclusions free within 48 hours. ^1,^2,⁴

What Are the Key Differences Between Corgi and StartupInsurance.ai D&O Insurance?

One Startup Policy vs a Broker With a Carrier Panel

Both let you start online. Corgi's self-serve application leads to a single claims-made policy, sold standalone or in a pre-seed and seed package. ¹ D&O is the first box on StartupInsurance.ai's online intake, and it places the policy through its broker of record with carriers such as Chubb and Coalition on its panel, though it doesn't say which writes D&O. ³ ² ⁴ Choose Corgi if you are a pre-seed or seed startup that wants a known $1 million structure quickly; choose StartupInsurance.ai if you are an AI company worried about AI exclusions or want more than one carrier considered.

AI Exclusions

StartupInsurance.ai's free policy check reviews your existing D&O form for blanket AI exclusions, which could leave AI-related claims against your directors uncovered. ²

Limits Up Front vs at Quote

Use Corgi's illustration as a starting point; StartupInsurance.ai publishes no D&O limits, so you'll see them only on the quote. ¹ ²

What Should You Confirm in Corgi and StartupInsurance.ai D&O Insurance Quotes?

Ask Corgi to confirm the issuer is Technology Risk Retention Group, Inc.; a risk retention group is not backed by state guaranty funds. ¹
Ask StartupInsurance.ai which panel carrier would issue your D&O; ContractorNerd Insurance Services, LLC acts as broker of record. ² ⁴
Ask both whether a blanket AI exclusion appears on the quoted form. ² ¹
Compare the StartupInsurance.ai limit with Corgi's $1 million / $2 million structure. ¹ ²

Corgi vs StartupInsurance.ai D&O Insurance Compared

Corgi vs StartupInsurance.ai: D&O Insurance: documented features by provider

Criteria	Corgi Directors & Officers (D&O)	StartupInsurance.ai Directors & Officers (D&O) Insurance
How to Apply	You can request a D&O quote online through Corgi's self-serve application. ¹Company-reported. Product page quote call to action.	Directors & Officers (D&O) is the first coverage box on StartupInsurance.ai's online quote-intake screen, described there as coverage that "protects your board and executives from lawsuits." ³Company-reported. Initial coverage-selection screen of the quote application; does not show the underwriting questions that follow for this line.
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. ¹Company-reported. Coverage summary for form CORG-DO-0100; the issued policy and declarations control. 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. ¹Company-reported. Scenario notes for form CORG-DO-0100; not every fundraising structure automatically qualifies as exempt. 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. ¹Company-reported. Policy notes for form CORG-DO-0100; informal inquiries and document requests that don't rise to these triggers are not covered.	StartupInsurance.ai says one major carrier added a blanket AI exclusion to D&O (along with E&O and fiduciary forms), typically arriving at renewal inside an endorsement, and that it reviews policies for this exclusion as part of its free check. ²Company-reported. Homepage "wording that still says yes" section; names the exclusion trend industrywide but not the carrier, and does not state whether any StartupInsurance.ai-placed D&O policy carries this specific endorsement.
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. ¹Company-reported. Product page for form CORG-DO-0100, last reviewed by Corgi on April 24, 2026 per the page itself.	StartupInsurance.ai lists directors and officers coverage among the lines its startup program places, and its homepage cites an investor's term-sheet request for D&O as a typical reason a founder comes to it. ContractorNerd Insurance Services, LLC arranges the placement as agent/broker of record rather than underwriting it. ^2,⁴Company-reported. Homepage coverage list and "the problem" narrative, plus ContractorNerd's terms and conditions on its producer role; does not describe a specific D&O policy's terms.
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). ¹Company-reported. Available Add-ons section of the product page; endorsement availability varies by jurisdiction and underwriting, and each requires a separate endorsement to apply.	StartupInsurance.ai's free policy check reviews an existing program for AI exclusions and contract gaps within 48 hours, and the homepage specifically calls out D&O as one of the forms affected by the AI-exclusion trend it checks for. ²Company-reported. Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's D&O policy.