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

The choice here is bundle or stand-alone. TechInsurance sells E&O with cyber liability for IT firms at a median $67 a month; Corgi sells Tech E&O alone with an instant quote and excludes data breach liability in its standard policy.

TechInsurance gives IT firms E&O plus cyber liability as a two-policy bundle, with a published median of about $67 a month. Corgi quotes standalone tech E&O instantly for startups, but its base form excludes contract-only, IP, data-breach and AI claims unless you buy add-ons. ^3,^1,²

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

Cyber Included vs Data Breach Excluded Unless Added

TechInsurance sells E&O and cyber liability as two policies built for IT companies; the cyber half covers both your own systems and your clients’ systems. Corgi sells tech E&O as a standalone instant-quote policy or inside startup packages, and its base form excludes data-breach liability, IP infringement, contract or SLA-only failures and AI-related claims unless you add endorsements. Choose TechInsurance if you are a small IT firm that wants breach cover included; choose Corgi if you are a startup that wants a policy in minutes and will pick add-ons yourself. ³ ¹ ²

$67 Median vs Illustrative $1 Million Limits

TechInsurance reports a median of $67 a month, about $807 a year, from its own customers. Corgi publishes no price but illustrates $1 million per claim and $2 million aggregate with a $10,000 retention. Both leave IP disputes to an add-on: TechInsurance says IP or copyright cover usually has to be added. ³ ¹

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

Ask Corgi which of the contract, AI, IP and data-breach endorsements are on your quote, and what each costs. ¹
Ask TechInsurance whether IP cover is added and which insurer issues each policy. ³
Ask Corgi which company issues your policy: Technology Risk Retention Group, an insurer owned by its policyholders without state guaranty-fund backing, or a partner. ¹
Treat the $67 median as a benchmark, not your price. ³

Corgi vs TechInsurance Tech E&O Insurance Compared

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
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. ¹Company-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. ³Company-reported. Tech E&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 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.	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). ³Company-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. ³Company-reported. Tech E&O product page, Does E&O insurance cover media and intellectual property (IP) rights? section.
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.	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. ³Company-reported. Tech E&O product page.

Criteria

Corgi Tech E&O

TechInsurance Technology Errors and Omissions (Tech E&O) Insurance

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. ¹Company-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. ³Company-reported. Tech E&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 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.

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). ³Company-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. ³Company-reported. Tech E&O product page, Does E&O insurance cover media and intellectual property (IP) rights? section.

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.

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. ³Company-reported. Tech E&O product page.