Corgi vs TechInsurance Tech E&O Insurance

Corgi sells standalone instant Tech E&O with listed exclusions; TechInsurance bundles E&O with cyber and publishes a $67 monthly median.

What Is Corgi Insurance?

Corgi Insurance sells commercial coverage to technology startups through stage-based packages (pre-seed and seed, Series A, and growth stage) that combine general liability, directors and officers, technology E&O, cyber, and related lines, alongside a growing small-business product line for other industries. Coverage may be issued by Corgi’s own risk retention group, an affiliated admitted carrier, or a partner insurer, so the issuing entity and available protections depend on the specific product and state. ^1,^2,^3,^4,⁵

Read the Corgi profile

What Is TechInsurance?

TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. ^7,⁸

Read the TechInsurance profile

What Is Technology Errors and Omissions (E&O) Insurance?

Technology errors and omissions (E&O) insurance addresses claims that a technology product or service caused a customer or other third party a financial loss. It doesn't extend to cyber incidents, bodily injury or professional services outside the quoted product. ^10,^11,¹²

Read the full coverage guide

Key Differences in Tech E&O Insurance

Standalone Instant Policy Versus Two-Policy Bundle

Corgi sells Tech E&O as a standalone instant-quote policy and as a line inside startup packages. TechInsurance sells technology E&O as a bundle of two policies—errors and omissions insurance and cyber liability insurance—built for IT and technology companies. ⁶ ² ⁹

IP and Cyber Split

Corgi’s standard form excludes intellectual property infringement and data-breach liability unless you buy add-ons. TechInsurance says the E&O half covers errors, undelivered services, missed deadlines, budget overruns and breach of contract, while the cyber half splits first-party cover for the buyer’s own systems from third-party cover for client systems, and that IP or copyright disputes usually must be added to the bundle. ⁶ ⁹

Price Figures

TechInsurance reports a median of $67 per month (about $807 a year) from its own book. Corgi does not publish a Tech E&O premium median; it shows illustrative $1 million / $2 million limits and a $10,000 retention on TRRG or partner paper. ⁹ ⁶

What to Confirm in Tech E&O Insurance Quotes

Ask TechInsurance whether IP coverage is endorsed and which insurer issues the bundle. ⁹
Ask Corgi whether the contract, AI, IP and data-breach endorsements are on the quote. ⁶
Treat TechInsurance’s $67 median as a book statistic, not a quote, next to Corgi’s actual premium. ⁹ ⁶
Compare TechInsurance’s first-party cyber half with Corgi’s base exclusion of data-breach liability. ⁹ ⁶

Offering Details

Corgi vs TechInsurance Tech E&O Insurance: documented features by provider

Criteria	Corgi Tech E&O	TechInsurance Technology Errors and Omissions (Tech E&O) Insurance
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. ^6,²Company-reported. Tech E&O product page and homepage package contents; package composition may change.	TechInsurance sells technology errors and omissions (tech E&O) as a bundle of two policies, errors and omissions insurance and cyber liability insurance, built specifically for IT and technology companies. ⁹Company-reported. Tech E&O product page.
Issuing Insurer	Corgi says Tech E&O is primarily underwritten by Technology Risk Retention Group (TRRG), an unrated risk retention group; buyers who need admitted, AM Best-rated paper can instead be placed with affiliated partner carriers rated A- or better, subject to eligibility. ⁶Company-reported. Tech E&O FAQ on carrier rating; the actual issuing carrier for a given policy appears on the declarations page, not this page.	The reviewed page does not name the issuing insurer for a tech E&O policy. ⁹Not publicly disclosed. Tech E&O product page as read on 2026-09-23.
Who It’s For	Not described in the reviewed sources.	TechInsurance targets tech E&O at IT and technology businesses, listing software developers, MSPs, SaaS companies, IT consultants, app developers, data centers and cybersecurity firms among the professions it insures under this bundle. ⁹Company-reported. Tech E&O product page, Technology professionals we insure section.
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. ⁶Company-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. ⁶Company-reported. Tech E&O policy notes and Available Add-ons section; endorsement availability varies by jurisdiction and underwriting.	TechInsurance says the E&O half of the bundle covers claims over errors, undelivered services, missed deadlines, budget overruns and breach of contract, while the cyber half splits into first-party coverage (for breaches of the buyer's own systems) and third-party coverage (for breaches on a client's systems the buyer worked on). ⁹Company-reported. Tech E&O product page; general policy description, not a specific policy form. TechInsurance says the standard tech E&O bundle does not automatically include coverage for intellectual property or copyright disputes; that coverage usually must be added to the policy. ⁹Company-reported. Tech E&O product page, Does E&O insurance cover media and intellectual property (IP) rights? section.
Limits and Retentions	Corgi shows illustrative Tech E&O limits of up to $1 million per claim and $2 million aggregate, with a $10,000 self-insured retention per claim, and describes defense costs as included within the limit. ⁶Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations.	TechInsurance says tech E&O policyholders pay a median of $67 per month, or about $807 a year, with the exact premium depending on profession risk, policy limits, the amount and access to personally identifiable information the company handles, and claims history. ⁹Company-reported. Tech E&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.
Risk Services	The reviewed Tech E&O page does not describe risk-management or loss-prevention services for policyholders beyond the glossary and FAQ content. ⁶Not found in reviewed sources. Tech E&O product page as read on 2026-09-23.	Not described in the reviewed sources.
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.	Not described in the reviewed sources.

Full Comparison

More Corgi vs TechInsurance Comparisons

Other Tech E&O Insurance Comparisons

Sources

Corgi

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.
Corgi Insurance: Startup Insurance, Quoted in Minutes. Corgi Insurance; Explore Our Main Policies: Tech & AI Liability card marked "Instant quote"; Coverage Designed Around Your Startup's Journey package contents listing Tech E&O. Accessed 2026-09-23.
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.
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.
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.
Tech E&O Insurance for Startups | Corgi Insurance. Corgi Insurance; What's Actually Inside Your Tech E&O Policy (form CORG-EO-0100 / CORG-TECH-0500); Scenario notes; Policy notes; Available Add-ons; Tech E&O Glossary; FAQ including carrier rating question. Accessed 2026-09-23.

TechInsurance

About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
Contact Us. TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
Technology Errors and Omissions - Tech E&O Insurance. TechInsurance; Tech E&O insurance includes two policies (E&O and cyber liability); What is first-party vs. third-party cyber liability insurance?; How much does tech E&O coverage cost?; Technology professionals we insure. Accessed 2026-09-23.

Tech E&O Insurance Guide

Insurance and Bonding Guidelines. Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16.
Technology Errors and Omissions Insurance. The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16.
DigiTech Enterprise Risk Management. Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. Accessed 2026-09-16.