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

The Hartford includes D&O in Private Choice Premier or as a Business Owner’s Policy add-on; Corgi sells standalone startup coverage online with illustrative limits up to $1 million per claim and $2 million total.

Corgi sells startups a D&O policy with published terms: $1 million per claim, $2 million aggregate and a $25,000 retention, applied for online. The Hartford serves private, public and nonprofit organizations, with D&O as one of five options in its Private Choice Premier package or added to a business owner's policy. ^1,²

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

Startup Policy vs an Established-Business Package

Corgi sells D&O standalone or inside stage-based packages starting at pre-seed and seed. The Hartford adds a separate track for financial institutions, with adviser D&O, private fund and registered fund liability. Choose Corgi if you're a venture-backed startup that wants terms you can read before applying; choose The Hartford if you're an established small business, nonprofit or financial firm that wants D&O on the same package or BOP as your other cover. ¹ ²

What You Know Before You Buy

Corgi documents its form in detail: no retention on Side A, cover for Regulation D private placements, individual cover for Wells Notices and subpoenas, and an exclusion for regulatory investigations of the company itself. The Hartford describes D&O more generally — legal fees for claims by employees, vendors, competitors, investors or customers, with a wrongful-termination suit as its example — and publishes no limits. ¹ ²

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

Corgi's policy is written by Technology Risk Retention Group, Inc., a risk retention group; ask whether that satisfies your investors. ¹
Ask The Hartford whether your quote is in Private Choice Premier, on a BOP, or on the financial-institution track, and whether D&O shares a limit with the rest. ²
Compare Corgi's $1 million / $2 million limits and $25,000 retention with the limit and retention on The Hartford's quote. ¹ ²

Corgi vs The Hartford D&O Insurance Compared

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)
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.	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. ²Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls.
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.	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. ²Company-reported. Management liability product page as read 2026-09-23.

Criteria

Corgi Directors & Officers (D&O)

The Hartford Directors and Officers Insurance (D&O)

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.

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. ²Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls.

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.

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. ²Company-reported. Management liability product page as read 2026-09-23.