---
title: "Corgi vs Travelers: D&O Insurance"
description: "Corgi sells startup D&O online, with sample limits of $1 million per claim and $2 million aggregate. Travelers sells D&O only through independent agents, to private and public companies, financial institutions and nonprofits, with a dedicated nonprofit version."
canonical: "https://spot.insure/compare/corgi-vs-travelers/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "corgi-vs-travelers"
provider-a: "corgi"
provider-b: "travelers"
coverage-line: "directors-officers"
---

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[Human-readable page](https://spot.insure/compare/corgi-vs-travelers/directors-officers)

## Agent Guide

**What this page is:** Focused comparison of Corgi and Travelers for D&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for D&O Insurance questions about Corgi versus Travelers. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Corgi vs Travelers for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, Corgi or Travelers?
- What does Corgi or Travelers publish about D&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: D&O Insurance. Providers: Corgi and Travelers.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [Corgi vs Travelers](https://spot.insure/compare/corgi-vs-travelers) — all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works
- [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile
- [Travelers profile](https://spot.insure/insurance-providers/travelers) — provider profile

# Corgi vs Travelers: How Do They Compare for D&O Insurance?

Travelers insures D&O for private, public, nonprofit, and financial organizations through independent agents; Corgi sells a startup policy online with illustrative per-claim and total limits.

Corgi sells startup D&O online with published sample limits, while Travelers sells D&O through independent agents to private, public, financial and nonprofit organizations without publishing limits.

## Corgi vs Travelers D&O Insurance Summary

Corgi sells startup D&O online, with sample limits of $1 million per claim and $2 million aggregate. Travelers sells D&O only through independent agents, to private and public companies, financial institutions and nonprofits, with a dedicated nonprofit version. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [2](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance")

## What Are the Key Differences Between Corgi and Travelers D&O Insurance?

### Self-Serve Startup Policy vs Agent-Sold Policy for Any Organization

Corgi sells a standalone startup D&O policy or a pre-seed and seed package through a self-serve quote, with a $25,000 retention (none on Side A), defense costs inside the limit and optional endorsements. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") Travelers sells D&O standalone or with other management-liability coverage in its Management & Professional Liability line, and you buy it through a Travelers independent agent. It publishes no limits, retentions or premiums. [2](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") Choose Corgi if you're a pre-seed or seed startup that wants to buy online and see sample terms first; choose Travelers if you're a public company, financial institution or nonprofit, or already work with an independent agent. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [2](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance")

### What Each Policy Is Built Around

Corgi's policy splits cover into Sides A, B and C, excludes claims tied to registered public offerings but carves back exempt raises such as Regulation D, and covers individuals responding to a Wells Notice (an SEC warning of possible charges) while excluding regulatory investigations of the company. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") Travelers says its D&O pays defense costs and settlements when employees, vendors, customers or others sue your directors and officers over securities, regulatory or fiduciary-duty allegations. Its claim examples run from roughly $85,000 to over $1 million, which is a useful guide when you pick a limit. [2](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance")

## What Should You Confirm in Corgi and Travelers D&O Insurance Quotes?

- Corgi's policy is claims-made and issued by Technology Risk Retention Group, Inc., a risk retention group; confirm it's available in your state. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups")
- Ask Travelers which company in its group (Travelers Casualty and Surety Company of America or an affiliate) would issue your policy, and whether you're quoting the nonprofit form. [2](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance")
- Get Travelers' limits and retentions in writing and compare them with Corgi's sample $1 million/$2 million. [2](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups")
- If you're raising through an exempt offering, confirm the Regulation D carve-back is on Corgi's quoted policy. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups")

## Corgi vs Travelers D&O Insurance Compared

| Criteria | Corgi Directors & Officers (D&O) | Travelers Directors & Officers (D&O) Liability Insurance |
| --- | --- | --- |
| How to Apply | You can request a D&O quote online through Corgi's self-serve application. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Product page quote call to action..) | D&O coverage is bought through a Travelers independent agent. [2](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") (Evidence: Company-reported; scope: Product page "Find an insurance agent" call to action..) |
| 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. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Coverage summary for form CORG-DO-0100; the issued policy and declarations control..)<br><br>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. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Scenario notes for form CORG-DO-0100; not every fundraising structure automatically qualifies as exempt..)<br><br>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. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Policy notes for form CORG-DO-0100; informal inquiries and document requests that don't rise to these triggers are not covered..) | Travelers says D&O insurance protects directors and officers from personal losses if sued by employees, vendors, customers or other parties, covering defense costs, settlements and other costs from wrongful-act allegations such as securities litigation, regulatory actions and breach-of-fiduciary-duty claims. [2](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") (Evidence: Company-reported; scope: Product page introduction and "Travelers knows Directors & Officers Liability Insurance" section; exact terms and exclusions are set by the issued policy..) |
| 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. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Product page for form CORG-DO-0100, last reviewed by Corgi on April 24, 2026 per the page itself..) | Travelers underwrites D&O liability insurance as part of its Management & Professional Liability line, sold standalone or alongside other management liability coverages. [2](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") (Evidence: Company-reported; scope: Product page general framing; confirmed against the broader Management and Professional Liability Insurance page..) |
| 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. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Policy Boundaries section of the D&O product page; this is a line-specific underwriter statement, distinct from Corgi's general multi-entity disclaimer..) | The product page's video disclosures name Travelers Casualty and Surety Company of America and its property casualty affiliates; the specific issuing entity for a given policy can vary. [2](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") (Evidence: Company-reported; scope: Product page video legal footer..) |

## About Corgi and Travelers and D&O Insurance

- [Corgi company profile](https://spot.insure/insurance-providers/corgi) · [Corgi customer reviews](https://spot.insure/insurance-providers/corgi/reviews)
- [Travelers company profile](https://spot.insure/insurance-providers/travelers) · [Travelers customer reviews](https://spot.insure/insurance-providers/travelers/reviews)
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers)

## Related Pages for Corgi vs Travelers D&O Insurance

- [Corgi vs Travelers](https://spot.insure/compare/corgi-vs-travelers): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [Corgi D&O Insurance](https://spot.insure/insurance-providers/corgi/directors-officers)
- [Travelers D&O Insurance](https://spot.insure/insurance-providers/travelers/directors-officers)

## Sources for Corgi vs Travelers D&O Insurance

### Sources About Corgi

1. [Directors & Officers (D&O) Insurance for Startups](https://www.corgi.insure/directors-and-officers). 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.

### Sources About Travelers

2. [Directors and Officers (D&O) Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers). Travelers; What Is Directors & Officers Liability Insurance?; Who is D&O liability insurance right for?; video legal footer naming Travelers Casualty and Surety Company of America. Accessed 2026-09-23.

Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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