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

The Hartford's FailSafe suite pairs errors and omissions with security, privacy, IP and media liability for software, hardware and telecom buyers. Corgi's stand-alone Tech E&O is quoted online instantly and excludes IP and data breach liability by default.

Corgi lets startups buy Tech E&O online in minutes, but its standard form excludes IP infringement and data-breach claims unless you add endorsements; The Hartford's FailSafe suite includes IP, media and privacy liability. The Hartford says tech E&O typically costs about $500 to $1,000 per employee a year. ^2,^1,³

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

Instant Startup Quote vs a Broader Liability Suite

Corgi sells Tech E&O through an instant online quote and packages it for startups. The Hartford markets FailSafe to software specialists, hardware manufacturers and telecom providers whose products or services can cause a customer financial loss that ordinary liability policies don't cover. Choose Corgi if you're a startup that wants cover now and can add endorsements; choose The Hartford if you need IP, media and privacy liability included from the start. ¹ ² ³

IP and Privacy: Add-On vs Included

Corgi's standard policy excludes IP infringement, offering copyright and trademark as add-ons, and excludes data-breach liability on the base form. FailSafe lists errors and omissions, security liability, data privacy and network security liability, personal injury, and intellectual property and media liability, with cyber for attacks and leaks sold separately. If you publish content or handle customer data, Corgi's base policy leaves gaps you'll pay extra to close. ¹ ³

A Limit Example vs a Price Range

Corgi shows illustrative limits of $1 million per claim and $2 million aggregate with a $10,000 retention, but no price. The Hartford gives a typical price of about $500 to $1,000 per employee per year, but no limits. ¹ ³

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

Ask The Hartford whether FailSafe's IP and media coverage is on your quote. ³
Ask Corgi whether the copyright and trademark endorsement is attached, and whether you're on Technology Risk Retention Group or a partner insurer. ¹
Multiply The Hartford's per-employee range by your headcount and compare it with Corgi's actual premium. ³ ¹

Corgi vs The Hartford Tech E&O Insurance Compared

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

Criteria	Corgi Tech E&O	The Hartford FailSafe Technology Errors and Omissions 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.	The Hartford says E&O coverage for technology businesses typically costs about $500 to $1,000 per year per employee; the page does not publish standard coverage limits, which depend on location, employee count, coverage limits chosen and lawsuit history. ³Company-reported. Company-reported cost range as of 2026-09-23 (page last updated by The Hartford September 19, 2024); not a coverage limit.
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.	The Hartford lists FailSafe Technology E&O coverage features: errors and omissions liability, security liability, data privacy and network security liability, personal injury liability, intellectual property liability, and media liability. It distinguishes this from its separate cyber liability coverage, which addresses cyberattacks and data leaks specifically rather than broader product/service failures. ³Company-reported. Technology E&O product page as read 2026-09-23. General coverage description; the issued policy controls.
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.	The Hartford's FailSafe Technology Liability Product Suite is its technology errors and omissions (E&O) product, aimed at technology companies whose products or services can cause a customer's pure financial loss that traditional liability policies usually don't cover. ³Company-reported. Technology E&O product page as read 2026-09-23.

Criteria

Corgi Tech E&O

The Hartford FailSafe Technology Errors and Omissions 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.

The Hartford says E&O coverage for technology businesses typically costs about $500 to $1,000 per year per employee; the page does not publish standard coverage limits, which depend on location, employee count, coverage limits chosen and lawsuit history. ³Company-reported. Company-reported cost range as of 2026-09-23 (page last updated by The Hartford September 19, 2024); not a coverage limit.

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.

The Hartford lists FailSafe Technology E&O coverage features: errors and omissions liability, security liability, data privacy and network security liability, personal injury liability, intellectual property liability, and media liability. It distinguishes this from its separate cyber liability coverage, which addresses cyberattacks and data leaks specifically rather than broader product/service failures. ³Company-reported. Technology E&O product page as read 2026-09-23. General coverage description; the issued policy controls.

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.

The Hartford's FailSafe Technology Liability Product Suite is its technology errors and omissions (E&O) product, aimed at technology companies whose products or services can cause a customer's pure financial loss that traditional liability policies usually don't cover. ³Company-reported. Technology E&O product page as read 2026-09-23.