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

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

## Agent Guide

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

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

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

# 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 add D&O to a general liability or business owner's policy and cites a $133 median monthly premium, while Corgi sells a standalone startup D&O policy with published limits up to $1 million per claim.

## Corgi vs TechInsurance D&O Insurance Summary

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](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [2](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

## 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](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") Corgi sells D&O standalone or inside pre-seed and seed packages, so you know the limit and retention before you apply. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") 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](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups")

### 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](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") Corgi's cover for the company itself excludes intellectual-property and contractual-liability claims. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") 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](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [2](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")

## 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](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")
- Ask TechInsurance to show the IP-infringement grant in the actual form. [2](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online")
- Ask Corgi how its IP exclusion applies if a claim alleges IP harm from a leadership decision. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups")
- Corgi's issuer is Technology Risk Retention Group, Inc.; confirm that name appears on your declarations page. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups")

## Corgi vs TechInsurance D&O Insurance Compared

| 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. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: 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. [2](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: 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. [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..) | 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). [2](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page; general policy description, not a specific policy form..)<br><br>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. [2](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: 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. [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..) | 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. [2](https://www.techinsurance.com/directors-officers-insurance "Directors and Officers Insurance (D&O) Quotes Online") (Evidence: Company-reported; scope: D&O product page..) |

## About Corgi and TechInsurance and D&O Insurance

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

## Related Pages for Corgi vs TechInsurance D&O Insurance

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

## Sources for Corgi vs TechInsurance 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 TechInsurance

2. [Directors and Officers Insurance (D&O) Quotes Online](https://www.techinsurance.com/directors-officers-insurance). TechInsurance; What does directors and officers insurance cover? (employment practices, mismanaged funds, corporate bylaws, regulatory compliance, IP infringement); What does side A, B, and C mean in D&O insurance?; How much does directors and officers insurance cost?; How do you get a certificate of insurance? (standalone or endorsement). 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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