Corgi vs 
The Hartford D&O Insurance
Corgi sells a named RRG startup D&O form; The Hartford includes D&O in Private Choice Premier and can add it to a BOP.
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
What Is The Hartford?
The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. 7,8,9
What Is Directors and Officers Insurance?
Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. 11
Key Differences in D&O Insurance
Standalone Startup Form Versus a Package Module
Corgi sells D&O as a standalone startup policy and also bundles it into stage-based packages starting at pre-seed and seed, underwritten by Technology Risk Retention Group, Inc. The Hartford’s D&O coverage is one of five options in its Private Choice Premier management-liability package, and can also be added to a Business Owner’s Policy. A Corgi quote is that named-RRG form or package; a Hartford quote is how D&O sits on the management-liability menu or a BOP. 6 10
Who Each Offering Is Aimed At
Corgi times packages to pre-seed and seed. The Hartford offers management-liability coverages, including D&O, to nonprofits, publicly traded companies and privately held companies, with a separate financial-institution track that includes adviser D&O, private fund liability and registered fund liability. Match Corgi’s stage window against Hartford’s organization-type tracks before you treat the two quotes as substitutes. 6 10
How Each Describes What D&O Responds To
Corgi’s form map is Side A, Side B and Side C, a securities-offering exclusion with a Regulation D carve-back, and Wells Notice cover for individuals while excluding entity-level regulatory investigations. The Hartford’s coverage claim is the wrongful-act and legal-fee description, not that side-and-carve-back map. 6 10
The Hartford says D&O helps protect directors and officers from mistakes or wrongful acts, covering legal fees for claims from employees, vendors, competitors, investors or customers, and uses an employee wrongful-termination suit as the example. Read Corgi’s form map next to Hartford’s claimant-origin story rather than as the same checklist. 6 10
What to Confirm in D&O Insurance Quotes
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Confirm Technology Risk Retention Group, Inc. is the issuer on a Corgi quote. 6
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Ask The Hartford whether this Corgi comparison quote would sit inside Private Choice Premier, on a BOP, or on the financial-institution track. 10
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Compare Corgi’s illustrative $1 million / $2 million structure and $25,000 retention with the limit and retention on The Hartford quote. 6 10
Offering Details
Corgi vs The Hartford D&O Insurance: documented features by provider
| Criteria | Corgi Directors & Officers (D&O) | The Hartford Directors and Officers Insurance (D&O) |
|---|---|---|
| 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. 6Company-reported. Product page for form CORG-DO-0100, last reviewed by Corgi on April 24, 2026 per the page itself. | The Hartford's D&O coverage is one of five options in its Private Choice Premier management-liability package, and can also be added to a Business Owner's Policy. 10Company-reported. Management liability product page as read 2026-09-23. |
| Issuing Insurer | Corgi's D&O product page states directly that the policy is a claims-made policy underwritten by Technology Risk Retention Group, Inc., a risk retention group. 6Company-reported. Policy Boundaries section of the D&O product page; this is a line-specific underwriter statement, distinct from Corgi's general multi-entity disclaimer. | Not described in the reviewed sources. |
| Who It’s For | Not described in the reviewed sources. | The Hartford's management-liability coverages, including D&O, are offered to nonprofit organizations, publicly traded companies and privately-held companies, with a separate management and professional liability track for financial institutions (adviser D&O, private fund liability, registered fund liability, among others). 10Company-reported. Management liability product page as read 2026-09-23. |
| 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. 6Company-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. 6Company-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. 6Company-reported. Policy notes for form CORG-DO-0100; informal inquiries and document requests that don't rise to these triggers are not covered. | The Hartford says D&O helps protect directors and officers from mistakes or wrongful acts in managing the company, covering legal fees for claims from employees, vendors, competitors, investors or customers; its example is an employee suing for wrongful termination. 10Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls. |
| 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. 6Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations. | Not described in the reviewed sources. |
| Risk Services | Corgi offers three optional D&O endorsements: Outside Directorship (extends coverage to directors and officers serving on outside boards at the company's request), Crisis Event Expense (covers PR and crisis-communications costs after negative publicity), and Investigative Costs (broader coverage for regulatory inquiries short of a formal claim). 6Company-reported. Available Add-ons section of the product page; endorsement availability varies by jurisdiction and underwriting, and each requires a separate endorsement to apply. | Not described in the reviewed sources. |
| How to Apply | You can request a D&O quote online through Corgi's self-serve application. 6Company-reported. Product page quote call to action. | Not described in the reviewed sources. |
Full Comparison
More Corgi vs The Hartford Comparisons
Other D&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 homepage. Corgi Insurance Services, Inc.; Product packages: Cyber and Directors & Officers; Growth Stage and Custom Package; Self-Serve (apply, get quoted in minutes, bind same-day) and Book a Demo paths; Explore Our Main Policies: Commercial General Liability, Crime Insurance, Fiduciary Liability, Hired and Non-Owned Auto (HNOA), Worker’s Compensation; Specialized coverages: Employment Practices Liability (EPLI), K&R (Kidnap & Ransom), Representations and Warranties; Commercial Umbrella Liability; Business Owners Policy (BOP); Coverage sales cards: Media Liability, Medical Malpractice, Miscellaneous E&O; Core Operations: Tech E&O Insurance; Tech & AI Liability product module; Transportation menu: Auto Liability, Contractual Liability Insurance - Cargo; FAQ on cost, claims, and binding; footer entity, program-administrator and issuing-carrier notices. Accessed 2026-09-16.
- 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.
- Directors & Officers (D&O) Insurance for Startups. 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.
The Hartford
- Legal Notice. The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
- SaaS Insurance for Your Business. The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
- Find a Local Insurance Agent. The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
- Management Liability Insurance | Get a Quote. The Hartford; Directors and Officers Insurance (D&O) section; Who Does Management Liability Insurance Protect?; Management Liability Insurance for Nonprofit/Publicly Traded/Financial Institutions organizations. Accessed 2026-09-23.
D&O Insurance Guide
- Glossary of Business Insurance Terms. The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
