Corgi vs TechInsurance: How Do They Compare for D&O Insurance?

TechInsurance reports a $133 monthly median D&O premium and describes standalone or add-on access; Corgi sells a startup policy online with example limits up to $1 million per claim and $2 million total.

TechInsurance can attach D&O to a general liability policy or business owner's policy, or sell it standalone, and cites a median premium of $133 a month. Corgi sells standalone startup D&O with published terms: $1 million per claim, $2 million a year and a $25,000 retention. ^1,²

What Are the Key Differences Between Corgi and TechInsurance D&O Insurance?

Add-On to Your Existing Policy vs a Startup D&O Policy

TechInsurance gives you a price anchor and the option of adding D&O to a policy you may already carry, but doesn't publish limits or name the insurer. ² Corgi sells D&O standalone or inside pre-seed and seed packages, so you know the limit and retention before you apply. ¹ Choose TechInsurance if you're a small tech business with a general liability or business owner's policy and want D&O attached to it; choose Corgi if you're a venture-backed startup that needs a standalone policy with published terms for investors. ² ¹

Intellectual-Property Claims

This is the sharpest coverage difference for tech companies. TechInsurance says D&O pays legal costs when leaders are sued over IP infringement or libel tied to their decisions, as well as employment practices, fund mismanagement and regulatory failures. ² Corgi's cover for the company itself excludes intellectual-property and contractual-liability claims. ¹ Both policies are claims-made: they respond only if the policy is active when the claim is made, so don't let cover lapse when you switch. ¹ ²

What Should You Confirm in Corgi and TechInsurance D&O Insurance Quotes?

Ask TechInsurance whether your D&O is standalone or an endorsement, which insurer issues it, and what the limit is; treat the $133 median as a price reference, not a quote. ²
Ask TechInsurance to show the IP-infringement grant in the actual form. ²
Ask Corgi how its IP exclusion applies if a claim alleges IP harm from a leadership decision. ¹
Corgi's issuer is Technology Risk Retention Group, Inc.; confirm that name appears on your declarations page. ¹

Corgi vs TechInsurance D&O Insurance Compared

Corgi vs TechInsurance: D&O Insurance: documented features by provider

Criteria	Corgi Directors & Officers (D&O)	TechInsurance Directors and Officers Insurance (D&O)
Limits and Retentions	Corgi's illustrative D&O structure shows limits up to $1 million per claim and $2 million in the aggregate, with a $25,000 self-insured retention per claim (no retention on Side A) and defense costs included within the limit. ¹Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations.	TechInsurance says D&O policyholders pay a median of $133 per month, with the exact premium depending on policy limits, deductible, legal jurisdiction, industry risk, headcount, revenue, claims history and IPO potential. ²Company-reported. D&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.
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.	TechInsurance says D&O covers legal costs when directors, board members or officers are sued over employment practices, fund mismanagement, failure to follow corporate bylaws, regulatory non-compliance, or IP infringement or libel tied to their decisions, and structures coverage into Side A (personal protection), Side B (company reimbursement) and Side C (entity coverage, mainly for public-company securities claims). ²Company-reported. D&O product page; general policy description, not a specific policy form. TechInsurance says D&O is a claims-made policy, meaning coverage applies only if the policy is active when a claim is made, and that criminal acts by directors or officers, such as fraud or embezzlement, are excluded. ²Company-reported. D&O product page, How does directors and officers insurance work? and exclusions sections.
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.	TechInsurance arranges directors and officers (D&O) insurance, a type of management liability insurance, and says it can be purchased as a standalone policy or as an endorsement to a general liability policy or business owner's policy. ²Company-reported. D&O product page.

Criteria

Corgi Directors & Officers (D&O)

TechInsurance Directors and Officers Insurance (D&O)

Limits and Retentions

Corgi's illustrative D&O structure shows limits up to $1 million per claim and $2 million in the aggregate, with a $25,000 self-insured retention per claim (no retention on Side A) and defense costs included within the limit. ¹Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations.

TechInsurance says D&O policyholders pay a median of $133 per month, with the exact premium depending on policy limits, deductible, legal jurisdiction, industry risk, headcount, revenue, claims history and IPO potential. ²Company-reported. D&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

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.

TechInsurance says D&O covers legal costs when directors, board members or officers are sued over employment practices, fund mismanagement, failure to follow corporate bylaws, regulatory non-compliance, or IP infringement or libel tied to their decisions, and structures coverage into Side A (personal protection), Side B (company reimbursement) and Side C (entity coverage, mainly for public-company securities claims). ²Company-reported. D&O product page; general policy description, not a specific policy form.

TechInsurance says D&O is a claims-made policy, meaning coverage applies only if the policy is active when a claim is made, and that criminal acts by directors or officers, such as fraud or embezzlement, are excluded. ²Company-reported. D&O product page, How does directors and officers insurance work? and exclusions sections.

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.

TechInsurance arranges directors and officers (D&O) insurance, a type of management liability insurance, and says it can be purchased as a standalone policy or as an endorsement to a general liability policy or business owner's policy. ²Company-reported. D&O product page.