Corgi vs 
StartupInsurance.ai: How Do They Compare for Tech E&O Insurance?
StartupInsurance.ai's free policy check reads your customer contracts against its tech E&O wording to flag gaps. Corgi sells stand-alone Tech E&O quoted online instantly, with contract-only and SLA-failure claims excluded by default.
Corgi quotes Tech E&O instantly online, but its base policy won't pay claims arising solely from breach of contract or SLA failure unless you buy a carveback endorsement; StartupInsurance.ai is a startup broker whose free policy check reads your accuracy warranties and uptime promises against the policy before you bind. 2,1,3
What Are the Key Differences Between Corgi and StartupInsurance.ai Tech E&O Insurance?
Instant Quote With a Known Contract Gap vs a Contract Check Before You Bind
Corgi quotes Tech & AI Liability instantly online and includes it in startup packages. Its standard policy excludes claims arising solely from breach of contract or SLA failure; you can buy a contract/SLA carveback endorsement to add them back. StartupInsurance.ai is a broker (ContractorNerd Insurance Services, LLC arranges the policy) with a Tech E&O box on its online quote form. It says most tech E&O forms leave out accuracy warranties and uptime promises, and its free policy check flags where your contracts promise something the policy doesn't cover. Choose Corgi if you want cover today and will add the carveback; choose StartupInsurance.ai if you have enterprise contracts with SLAs and want them reviewed before you buy. 1 2 3 5 4
What Should You Confirm in Corgi and StartupInsurance.ai Tech E&O Insurance Quotes?
- Bring your master service agreements to StartupInsurance.ai's policy check, and ask Corgi whether the contract/SLA carveback is on your quote. 3 1
- Ask StartupInsurance.ai which insurer issues its Tech E&O. 3
- Ask Corgi whether your policy is written by Technology Risk Retention Group (an insurer owned by its policyholders) or an affiliated partner rated A- or better. 1
- If your product uses AI, ask StartupInsurance.ai whether the blanket AI exclusion it has seen on some renewals applies, and ask Corgi whether its AI endorsement is attached. 3 1
Corgi vs StartupInsurance.ai Tech E&O Insurance Compared
Corgi vs StartupInsurance.ai: Tech E&O Insurance: documented features by provider
| Criteria | Corgi Tech E&O | StartupInsurance.ai Technology Errors & Omissions (Tech E&O) Insurance |
|---|---|---|
| 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. | "Tech Errors & Omissions" is one of seven boxes on StartupInsurance.ai's online quote-intake screen, described there as coverage for "claims from your tech products or services failing." The same screen shows no separate box for general professional liability. 4Company-reported. Initial coverage-selection screen of the quote application; the absence of a distinct professional-liability box shows how the flow packages this line, not that professional liability is unavailable. |
| 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. | StartupInsurance.ai says most tech E&O forms leave out coverage for accuracy warranties and uptime promises that a startup takes on by signing a customer contract, and that it reads customer contracts against the tech E&O policy before binding to catch that gap. 3Company-reported. Homepage "wording that still says yes" section; describes a general gap the brokerage says it looks for, not the terms of a specific StartupInsurance.ai-placed tech E&O policy. StartupInsurance.ai says one major carrier added a blanket AI exclusion to "D&O, E&O and fiduciary" forms at renewal; the page does not specify whether "E&O" here means technology E&O, professional E&O, or both. 3Company-reported. Homepage "wording that still says yes" section; the E&O reference is ambiguous between the two E&O lines the program sells, so this claim is not conclusively tech-E&O-specific. |
| 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. | StartupInsurance.ai's coverage list places "Tech E&O and Professional Liability" as one program line, and ContractorNerd Insurance Services, LLC arranges it as agent/broker of record rather than underwriting it. 3,5Company-reported. Homepage coverage list and ContractorNerd's terms and conditions on its producer role; the page bundles tech E&O with professional liability in this one catalogue entry rather than describing them separately. |
