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Corgi vs TechInsurance

Comparing a stage-based startup package with broker-led quote shopping when a customer specifies the insurer’s credentials.

Introduction

A startup signing its first enterprise customer may need more than matching coverage names: the contract may specify who can issue the insurance. Corgi markets packages organized around funding stages, while TechInsurance offers one application for comparing insurer quotes. The useful comparison is whether each proposed package satisfies the contract’s coverage and insurer requirements, not whether one website looks more direct. 2 24

Where Each Provider Shines

Where Corgi Shines

  • Stage-based packages give technology startups a starting point from pre-seed through growth, with a custom option. 2,3,6,15
  • Corgi says customers can add or upgrade policies through its dashboard as funding, hiring and contract requirements change. 2,1

Where TechInsurance Shines

  • One application to compare multiple insurance quotes 24
  • Technology E&O and cyber coverage marketed together 29

Coverage Comparison

Coverage TypeCorgiTechInsurance
Business owner’s policyListed 2Listed 28
Cargo and transitListed 2Not listed
Commercial autoListed 2Listed 23
Commercial propertyNot listedListed 28
CrimeListed 2Not listed
Cyber liabilityListed 2Listed 28
Directors and officersListed 2Listed 28
Employment practices liabilityListed 2Listed 28
Fidelity bondsNot listedListed 28
Fiduciary liabilityListed 2Not listed
General liabilityListed 2Listed 28
Hired and non-owned autoListed 2Not listed
Kidnap and ransomListed 2Not listed
Liquor liabilityListed 2Not listed
Media liabilityListed 2Not listed
Medical malpracticeListed 2Not listed
Professional liability / E&OListed 2Listed 28
Representations and warrantiesListed 2Not listed
Surety bondsNot listedListed 25
Technology errors and omissionsListed 2Listed 29
Tools, equipment and inland marineNot listedListed 30
Umbrella and excess liabilityListed 2Listed 28
Workers’ compensationListed 2Listed 28

Listed products and programs, including policies arranged through insurers or partners. Optional endorsements are discussed in the analysis below. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

Key Differences Between Corgi and TechInsurance

A Startup Package and a Market Search

Corgi’s packages give a founder a stage-based starting point, with a custom option. TechInsurance’s technology E&O offering is described as combining professional errors and omissions with cyber, within a broader small-business catalogue. Ask each to separate the coverages needed for the customer agreement from optional management and employment protection; the initial package label does not settle the final scope. 2 29 28

Corgi’s self-service route is not evidence that the insurance has no producer involved. Its agency sells and administers policies, while TechInsurance’s disclosed operating entity is Specialty Program Group. Both routes therefore require the proposal to distinguish the producer from the insurer. 1 31

The Insurer Requirement Can Change the Proposal

Corgi uses affiliated and partner insurers. Your policy names the insurer and claims administrator for your coverage. 1

Corgi’s record distinguishes its risk retention group from admitted affiliated or partner paper. Its disclosed lack of an AM Best rating for Technology Risk Retention Group must not be carried over to every Corgi placement, nor should a partner’s rating be assigned to the risk retention group. If the contract specifies a rating or admitted status, request evidence for the actual quoted entity. 1 9

TechInsurance’s partner list supplies names to investigate but no insurer assignment for this startup. Its California page establishes a marketed buying route, not acceptance by a named carrier. A comparison is ready for the customer’s insurance review only when both proposals identify the issuing entity and policy forms. 30 27

Confirm Binding and Compensation Together

Corgi’s disclosures describe issuance-and-payment conditions as well as temporary written binders. TechInsurance warns that quotes can take time to appear. For a contract deadline, ask what document confirms coverage and whether any underwriting items remain outstanding; neither a submitted application nor a payment screen resolves that question. 1 25

Both disclose potential producer compensation. Obtain an account-specific breakdown rather than treating Corgi’s startup price bands as equivalent to an insurer quote obtained through TechInsurance. Limits, retained risk and fees need the same comparison basis. 1 2 32

What to Confirm in Quotes

  • Provide the customer’s insurer-eligibility clause and request the exact legal insurer, rating evidence and California route for each coverage. 1 30
  • If risk retention group paper is proposed, obtain the membership and policy disclosures and review the lack of state guaranty-fund protection with the contract reviewer. 20
  • Ask each producer to identify the binding document, outstanding conditions and compensation on the same set of coverage limits and deductibles. 1 32

Service Comparison

Corgi vs TechInsurance: documented services and availability

CriteriaCorgiTechInsurance
Business role

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

TechInsurance is a small-business insurance agency and brokerage. Its legal disclosure identifies the business as a division of Specialty Program Group LLC, doing business in California as SPG Insurance Solutions. 25,31,32

TechInsurance describes itself as part of Insureon and HUB International. Its history says HUB acquired Insureon’s digital agency in 2022 while Bold Penguin acquired the technology platform; HUB’s acquisition announcement placed the agency operations within Specialty Program Group. 24,25,34

Access to insurers

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

TechInsurance names insurance partners including The Hartford, Hiscox, Chubb and Travelers. These are examples of marketed relationships, not the identified contracting insurer for a quote; ask for the exact issuing entity and its California placement route. 30

Application process

You can apply online or book a call with a Corgi specialist. Corgi says eligible applicants can get a quote in minutes and buy coverage the same day. Its disclosures describe both an issued-policy-and-payment condition and temporary coverage under a written binder. Confirm the applicable conditions and effective date in writing. 2,1

TechInsurance describes a single application for comparing multiple insurance quotes, followed by policy purchase and online coverage management, with licensed-agent guidance available. 24

TechInsurance’s account instructions warn that quotes may take time to appear after an application is submitted; an application is not confirmation of bound coverage. 25

Fees and compensation

Corgi Insurance Services may receive commissions or fees from the insurer or the customer. You can ask for the type and amount of compensation on your policy. 1

Corgi lists typical annual prices of $2,000–$5,000 for eligible pre-seed and seed startups and $5,000–$15,000 for Series A companies. Your price depends on the business, state, coverage, limits, and other underwriting details. 2,6,7

TechInsurance directs buyers to SPG’s compensation disclosure, which describes insurer commissions, contingent and supplemental payments, and possible negotiated client fees. Some placements may involve both commission and client-paid fees; quote-specific amounts are not disclosed there. 31,32

SPG discloses that strategic insurers may pay enhanced compensation and that some of it may incentivize employees to prioritize those insurers’ products. Ask which markets were approached and how the placement is compensated. 32

Sources

Corgi Official Website

  1. Disclaimers & Licensing. Corgi Insurance Services, Inc.; Carrier Financial Strength (including “federally chartered” and “federal prudential oversight” wording); About Corgi; Licensing; Premium and Payment Disclosures (producer commissions, fees, or other consideration, amounts available on request); Binding Authority and Policy Issuance. Page last updated 04/05/26.. Accessed 2026-09-15.
  2. Corgi Insurance homepage. Corgi Insurance Services, Inc.; Product packages; Self-Serve (apply, get quoted in minutes, bind same-day) and Book a Demo paths; FAQ on cost, claims, and binding; footer entity notices. Accessed 2026-09-15.
  3. About Corgi. Corgi Insurance Services, Inc.; Company description; Federally Regulated, A-Rated Admitted Access, and Licensed Nationwide sections. Accessed 2026-09-15.
  4. Insurance Producer Licenses. Corgi Insurance Services, Inc.; State-by-state producer license table for Corgi Insurance Services, Inc.. Accessed 2026-09-15.
  5. Directors & Officers (D&O) Insurance for Startups. Corgi Insurance Services, Inc.; Form CORG-DO-0100 coverage summary; policy notes stating TRRG underwrites the D&O coverage part; footer identifying Corgi Insurance Company, Inc. NAIC 17989. Accessed 2026-09-15.
  6. Customer Success Stories. Corgi Insurance Services, Inc.; Page heading and named technology-company testimonials; cost FAQ. Accessed 2026-09-15.
  7. Partnerships. Corgi Insurance Services, Inc.; Direct Underwriting savings claim; partner-page process; onboarding-to-claims handling claim. Accessed 2026-09-15.
  8. Insurance for AI, Built for Model Risk. Corgi Insurance Services, Inc.; Tech & AI Liability product description and related AI-risk FAQ. Accessed 2026-09-15.
  9. Corgi Insurance Launches Admitted Insurance Carrier. PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
  10. Corgi Insurance Raises $108 Million, Receives Regulatory Approval to Launch the First Full-Stack Insurance Carrier for Startups. PR Newswire (Corgi press release); 9 January 2026 funding announcement; listed startup coverage lines; company-reported ARR figure. Accessed 2026-09-15.
  11. Corgi Reaches $2.6B Valuation With $106M Series B1 Three Weeks After $160M Unicorn Round. PR Newswire (Corgi press release); 28 May 2026 company statement of $378 million total funding and planned vertical expansion. Accessed 2026-09-15.
  12. Corgi Insurance Launches Corgi Claims, the AI-Native TPA. PR Newswire (Corgi press release); 29 June 2026 launch of Corgi Claims as a TPA; disclaimer that claims services are provided through licensed subsidiaries and affiliates. Accessed 2026-09-15.
  13. Corgi Insurance and Silicon Valley Bank Partner to Connect Clients to Preferred Coverage Solutions. PR Newswire (Corgi and Silicon Valley Bank press release); 17 June 2026 partnership announcement for SVB client access to Corgi products. Accessed 2026-09-15.
  14. Corgi: Rebuilding Insurance with AI. Kindred Ventures; 8 January 2026 investor announcement describing Corgi as a full-stack carrier with a captive reinsurer; company-reported 40,000+ policyholders across 49 states. Accessed 2026-09-15.
  15. Corgi Insurance company profile. Y Combinator; Summer 2024 batch; San Francisco location; 2024 founding; team size 250; description as a full-stack insurance carrier for startups. Accessed 2026-09-15.
  16. Registered Federal Risk Retention Groups. Rhode Island Department of Business Regulation; Report date 23 June 2026; registration entry for Technology Risk Retention Group, Inc., NAIC 17763, 425 Bush St., San Francisco, CA 94108. Document title uses “Federal”; that is the state’s list label, not TRRG’s charter type.. Accessed 2026-09-15.
  17. NAIC Listing of Companies. National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
  18. Insurance Topics: Risk Retention Groups. National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15.
  19. 15 U.S.C. § 3901 — Definitions. U.S. House Office of the Law Revision Counsel; Liability Risk Retention Act definitions of liability and risk retention group, including state charter, member-ownership, and liability-only activity limits. Accessed 2026-09-15.
  20. 15 U.S.C. § 3902 — Risk retention groups. U.S. House Office of the Law Revision Counsel; Non-domicile state registration and policy notice requirements; exemption from state insurance insolvency guaranty associations. Accessed 2026-09-15.
  21. Arizona Revised Statutes § 20-2402. Arizona Legislature; Risk retention groups chartered and licensed in Arizona may write only liability insurance under that chapter. Accessed 2026-09-15.
  22. Corgi built its name insuring AI startups. Its new carrier targets dry cleaners, salons and more. Insurance Business; 27 August 2026 report identifying Technology Risk Retention Group as an Arizona-chartered RRG and noting that the admitted-carrier announcement does not specify domicile, licensed states, or rating status. Accessed 2026-09-15.

TechInsurance Official Website

  1. Technology Business Insurance. TechInsurance; Top business insurance policies; proof of insurance and expert advice; footer. Accessed 2026-09-16.
  2. About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
  3. Contact Us. TechInsurance; FAQs: agent or broker; application; finding quotes; updating address; certificates; How does TechInsurance work?. Accessed 2026-09-16.
  4. Insurance Licensing. TechInsurance; Where we are licensed; California entry; footer legal entity. Accessed 2026-09-16.
  5. Small Business Insurance in California. TechInsurance; Find California business insurance in three easy steps; recommended policies and Get Quotes controls. Accessed 2026-09-16.
  6. Small Business Insurance. TechInsurance; Top recommended small business insurance policies; Specialized coverage for unique risks. Accessed 2026-09-16.
  7. Technology Errors and Omissions – Tech E&O Insurance. TechInsurance; Tech E&O insurance includes two policies; quotation form; Technology professionals we insure. Accessed 2026-09-16.
  8. Our Insurance Partners. TechInsurance; Named provider sections; More key policies our dedicated providers offer; Professions we insure. Accessed 2026-09-16.
  9. Compensation Disclosure Notice. TechInsurance; TechInsurance business practices and link to SPG disclosure. Accessed 2026-09-16.
  10. Compensation Disclosure. Specialty Program Group; Commission Income; Contingency Income; Fees Paid by Clients; Customer Centric Carriers; footer. Accessed 2026-09-16.
  11. How Do I File a Business Insurance Claim?. TechInsurance; Opening carrier-contact instruction; property and liability claim sections and TechInsurance agent assistance. Accessed 2026-09-16.
  12. Hub International and Bold Penguin to Acquire Insureon. HUB International; March 1, 2022 announcement; agency/platform split; Insureon operations within SPG. Accessed 2026-09-16.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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