---
title: "Corgi vs StartupInsurance.ai: D&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/corgi-vs-startupinsurance/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "corgi-vs-startupinsurance"
provider-a: "corgi"
provider-b: "startupinsurance"
coverage-line: "directors-officers"
---

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

## Agent Guide

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

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

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

# 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 gives you its own startup D&O policy with a published $1 million structure; StartupInsurance.ai shops D&O across carriers and checks your current policy for AI exclusions for free.

## Corgi vs StartupInsurance.ai D&O Insurance Summary

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](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [4](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions")

## 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](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") 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](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [4](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") 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](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

### 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](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## 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](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups")
- Ask StartupInsurance.ai which panel carrier would issue your D&O; ContractorNerd Insurance Services, LLC acts as broker of record. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [4](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions")
- Ask both whether a blanket AI exclusion appears on the quoted form. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups")
- Compare the StartupInsurance.ai limit with Corgi's $1 million / $2 million structure. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## Corgi vs StartupInsurance.ai D&O Insurance Compared

| 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. [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..) | 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." [3](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Company-reported; scope: 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. [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..) | 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. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: 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. [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..) | 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](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [4](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: 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). [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..) | 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. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's D&O policy..) |

## About Corgi and StartupInsurance.ai and D&O Insurance

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

## Related Pages for Corgi vs StartupInsurance.ai D&O Insurance

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

## Sources for Corgi vs StartupInsurance.ai 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 StartupInsurance.ai

2. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; The problem (“An investor's term sheet asked for D&O”); Wording that still says yes (“One major carrier added a blanket AI exclusion to D&O, E&O and fiduciary”); Coverage: What we place; The free policy check. Accessed 2026-09-23.
3. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Coverage-selection screen: Directors & Officers (D&O) — “Protects your board and executives from lawsuits”. Accessed 2026-09-23.
4. [Terms and Conditions](https://www.contractornerd.com/terms-and-conditions/). ContractorNerd; Section 2, Insurance Services: “ContractorNerd is an insurance agency/insurance producer... not an insurance company, does not underwrite insurance”; Section 2.A, Broker/Agent of Record. 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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