--- title: "Corgi vs Travelers Insurance" description: "How Corgi’s stage-based startup packages compare with Travelers’ agent-placed technology insurance, including risk-retention-group paper versus named Travelers affiliates." canonical: "https://spot.insure/compare/corgi-vs-travelers" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Corgi", "Travelers"] --- [Human-readable page](https://spot.insure/compare/corgi-vs-travelers) # Corgi vs Travelers Insurance How Corgi’s stage-based startup packages compare with Travelers’ agent-placed technology insurance, including risk-retention-group paper versus named Travelers affiliates. ## Research Scope and Use Use this comparison to evaluate Corgi and Travelers against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights Corgi is a licensed agency that packages technology and management liability for startups, often through Technology Risk Retention Group or partner insurers. Travelers is a property-casualty group that markets technology insurance through independent agents, with policies issued by subsidiaries such as The Travelers Indemnity Company. [2](https://www.corgi.insure "Corgi Insurance homepage") [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [23](https://www.travelers.com/business-insurance/technology "Technology Insurance") [29](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") ## Introduction A seed-stage software company that needs directors and officers (D&O) insurance for a financing, plus technology errors and omissions (E&O) and cyber for customer contracts, can look at Corgi’s stage packages or ask an independent agent for a Travelers technology proposal. Those routes are not the same kind of seller. Corgi’s agency sells and administers policies; the insurer named on the policy bears the risk. Travelers underwrites as a carrier group and tells buyers to place business through producers who are not Travelers employees. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [2](https://www.corgi.insure "Corgi Insurance homepage") [23](https://www.travelers.com/business-insurance/technology "Technology Insurance") [28](https://www.travelers.com/contact-us "Contact Us") ## Documented Provider Strengths ### Corgi - Stage-based packages give technology startups a starting point from pre-seed through growth, with a custom option. [2](https://www.corgi.insure "Corgi Insurance homepage") [3](https://www.corgi.insure/about "About Corgi") [6](https://www.corgi.insure/customers "Customer Success Stories") [15](https://www.ycombinator.com/companies/corgi-insurance "Corgi Insurance company profile") (Evidence: Company-reported; scope: Company website positioning and package names; named customer stories on the customers page are testimonials, not a verified book of business.; verified: 2026-09-15.) - Corgi says customers can add or upgrade policies through its dashboard as funding, hiring and contract requirements change. [2](https://www.corgi.insure "Corgi Insurance homepage") [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") (Evidence: Company-reported; scope: Company description of post-bind servicing and cancellation. Actual endorsement terms remain in the policy. This does not establish a specific renewal guarantee or a finding that renewals are unavailable.; verified: 2026-09-15.) ### Travelers - Travelers markets technology insurance to startups and established tech companies, with CyberRisk Tech that can combine cyber and technology E&O. [23](https://www.travelers.com/business-insurance/technology "Technology Insurance") [26](https://www.travelers.com/business-insurance/technology/information-technology "IT Insurance") [24](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") (Evidence: Company-reported; scope: Company-described audiences on technology and small-business pages. Marketing to a class is not underwriting approval, and eligibility remains quote-specific.; verified: 2026-09-16.) - U.S. business insurance is sold through independent agents; many small risks can be quoted and issued in an agent platform, while specialty technology accounts still need underwriting. [28](https://www.travelers.com/contact-us "Contact Us") [45](https://agent.travelers.com/search "Find the nearest Travelers Insurance agency") [23](https://www.travelers.com/business-insurance/technology "Technology Insurance") [25](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [51](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [44](https://www.travelers.com/about-travelers/value-of-an-agent "Benefit from the Personal Attention of a Travelers Independent Agent") (Evidence: Company-reported; scope: Application path described on contact, agent-locator, technology and 10-K sources. Automated small-commercial issuance is not evidence that a technology, D&O or cyber submission will quote or bind the same way.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | Corgi | Travelers | | --- | --- | --- | | Business owner’s policy | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed [24](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") | | Cargo and transit | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed [35](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") | | Commercial auto | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed [23](https://www.travelers.com/business-insurance/technology "Technology Insurance") | | Commercial property | Not listed | Listed [23](https://www.travelers.com/business-insurance/technology "Technology Insurance") | | Crime | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed [34](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") | | Cyber liability | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed [25](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") | | Directors and officers | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed [31](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") | | Employment practices liability | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed [33](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") | | Equipment breakdown | Not listed | Listed [37](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") | | Fidelity bonds | Not listed | Listed [36](https://www.travelers.com/surety-bond "Surety Bonds") [30](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") | | Fiduciary liability | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed [32](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") | | General liability | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed [23](https://www.travelers.com/business-insurance/technology "Technology Insurance") | | Hired and non-owned auto | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Not listed | | Kidnap and ransom | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed [30](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") [41](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") | | Liquor liability | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Not listed | | Management liability | Not listed | Listed [30](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") | | Media liability | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed [25](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") | | Medical malpractice | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Not listed | | Professional liability / E&O | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed [49](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") | | Representations and warranties | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Not listed | | Surety bonds | Not listed | Listed [36](https://www.travelers.com/surety-bond "Surety Bonds") | | Technology errors and omissions | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed [23](https://www.travelers.com/business-insurance/technology "Technology Insurance") [25](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") | | Tools, equipment and inland marine | Not listed | Listed [35](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") | | Umbrella and excess liability | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed [23](https://www.travelers.com/business-insurance/technology "Technology Insurance") [48](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") | | Workers’ compensation | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed [23](https://www.travelers.com/business-insurance/technology "Technology Insurance") [47](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between Corgi and Travelers Insurance ### Who Sells the Policy and Who Issues It Corgi Insurance Services, Inc. is the licensed agency that sells and administers Corgi policies. The insurer named in your policy provides the coverage. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [2](https://www.corgi.insure "Corgi Insurance homepage") [4](https://www.corgi.insure/broker-licenses "Insurance Producer Licenses") (Evidence: Company-reported; scope: Distribution role and brand usage as of 15 September 2026. Producer licensing is not insurer authority, and group language does not make every group company the issuing insurer on a given policy.; verified: 2026-09-15.) Travelers is a property-casualty insurance group. The Travelers Companies, Inc. is the public holding company; policies are issued by subsidiaries such as The Travelers Indemnity Company and affiliates, not by the holding company itself. [50](https://investor.travelers.com/home/default.aspx "Travelers Investor Relations Corporate Profile") [51](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [43](https://www.travelers.com/about-travelers "Who We Are") [29](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") (Evidence: Verified; scope: Group role as of 16 September 2026. The legal insurer on a buyer’s policy is the company named in that policy or binder, which can differ by product and state.; verified: 2026-09-16.) Corgi can therefore look like a one-brand checkout while still using affiliated or partner paper, including Technology Risk Retention Group. Travelers’ brand is the underwriting group; the buyer’s “producer” is a separate licensed agent. Do not treat a Corgi dashboard and a Travelers agent locator as interchangeable storefronts. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [45](https://agent.travelers.com/search "Find the nearest Travelers Insurance agency") ### D&O, Technology E&O and Property That an RRG Cannot Write Corgi’s startup packages combine general liability, D&O, technology E&O, cyber, media, employment practices, fiduciary and hired and non-owned auto. Its D&O page describes claims-made coverage on form CORG-DO-0100 issued by Technology Risk Retention Group, with defense inside the limit in the published example. Travelers markets CyberRisk Tech that can combine technology E&O and cyber, plus a broader commercial catalogue that includes property, workers compensation, auto and umbrella. [2](https://www.corgi.insure "Corgi Insurance homepage") [5](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [25](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [23](https://www.travelers.com/business-insurance/technology "Technology Insurance") Federal risk-retention-group rules matter if Corgi proposes Technology Risk Retention Group for liability lines: those groups write liability for members and cannot provide other insurance such as property. A package that includes property must use other paper. Travelers commercial property is a separate Travelers offering, not an RRG product. Ask each proposal which legal insurer writes each line. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [23](https://www.travelers.com/business-insurance/technology "Technology Insurance") ### Ratings, Guaranty Funds and California Authorization Corgi says Technology Risk Retention Group has no AM Best rating and that RRG policies are not covered by state guaranty funds. It also says admitted or partner carriers rated A- or better may be available when a customer requires admitted paper. California’s insurance department lists The Travelers Indemnity Company and Travelers Casualty and Surety Company of America as authorized property-and-casualty insurers; that authorization is not a CyberRisk Tech eligibility schedule. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [52](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=103456&event=companyProfile "California Department of Insurance company profile: Travelers Indemnity Company (The)") [53](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=6182&event=companyProfile "California Department of Insurance company profile: Travelers Casualty and Surety Company of America") If an investor or customer requires admitted, rated paper, compare the actual declarations rather than Corgi’s typical-package story or Travelers’ group financial-strength marketing. ### Applying Online Versus Asking an Agent Corgi lets applicants start online or book a specialist call and describes quotes in minutes for eligible risks, while its disclosures also recognize written binders. Travelers’ Form 10-K describes automated quote-bind-issue for many Select Accounts small risks, with more complex accounts underwritten by company staff; technology pages still send buyers to an agent. Neither description is a bind timetable for a particular California software risk. [2](https://www.corgi.insure "Corgi Insurance homepage") [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [51](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [23](https://www.travelers.com/business-insurance/technology "Technology Insurance") Corgi publishes typical annual bands of $2,000–$5,000 for eligible pre-seed and seed companies and $5,000–$15,000 for Series A. Those figures are illustrations. Travelers does not publish a technology premium schedule; it pays producers commissions and other compensation that the buyer’s agent can explain. [2](https://www.corgi.insure "Corgi Insurance homepage") [29](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [27](https://www.travelers.com/business-insurance "Business and Commercial Insurance Policy Quotes") ## What to Confirm in Quotes - **Issuer and product type for each line:** RRG versus admitted partner paper at Corgi; Indemnity Company, Casualty and Surety Company of America or another affiliate at Travelers, including any surplus-lines Northfield layer. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [48](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") - **Whether property, auto or workers compensation is on the same paper as the liability package.** [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [23](https://www.travelers.com/business-insurance/technology "Technology Insurance") - **D&O form, defense inside or outside limits, and retroactive date** compared with Travelers’ management-liability proposal. [5](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [31](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") - **Written binder or effective date** before telling investors coverage is in force. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [28](https://www.travelers.com/contact-us "Contact Us") - **Itemized premium, Corgi compensation and Travelers producer commission** rather than package bands or a blank website. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [29](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") ## Service Comparison Corgi vs Travelers Insurance: documented services and availability. | Criteria | Corgi | Travelers | | --- | --- | --- | | Business role | Corgi Insurance Services, Inc. is the licensed agency that sells and administers Corgi policies. The insurer named in your policy provides the coverage. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [2](https://www.corgi.insure "Corgi Insurance homepage") [4](https://www.corgi.insure/broker-licenses "Insurance Producer Licenses") (Evidence: Company-reported; scope: Distribution role and brand usage as of 15 September 2026. Producer licensing is not insurer authority, and group language does not make every group company the issuing insurer on a given policy.; verified: 2026-09-15.) | Travelers is a property-casualty insurance group. The Travelers Companies, Inc. is the public holding company; policies are issued by subsidiaries such as The Travelers Indemnity Company and affiliates, not by the holding company itself. [50](https://investor.travelers.com/home/default.aspx "Travelers Investor Relations Corporate Profile") [51](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [43](https://www.travelers.com/about-travelers "Who We Are") [29](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") (Evidence: Verified; scope: Group role as of 16 September 2026. The legal insurer on a buyer’s policy is the company named in that policy or binder, which can differ by product and state.; verified: 2026-09-16.)

Travelers says it primarily sells U.S. insurance through independent agents and brokers, whom it calls producers and who are not Travelers employees. It also owns Simply Business, Inc. and InsuraMatch, LLC, licensed digital independent agencies it says operate nationwide. [29](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [28](https://www.travelers.com/contact-us "Contact Us") [51](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") (Evidence: Company-reported; scope: U.S. distribution disclosure. Ownership of digital agencies does not establish that those agencies place technology business insurance for a given buyer, including in California.; verified: 2026-09-16.) | | Coverage lines | Corgi’s startup packages combine general liability, directors and officers, technology errors and omissions, cyber, media, employment practices, fiduciary, and hired and non-owned auto coverage. Its technology offering includes a Tech & AI Liability module. [2](https://www.corgi.insure "Corgi Insurance homepage") [8](https://www.corgi.insure/ai "Insurance for AI, Built for Model Risk") [10](https://www.prnewswire.com/news-releases/corgi-insurance-raises-108-million-receives-regulatory-approval-to-launch-the-first-full-stack-insurance-carrier-for-startups-302657727.html "Corgi Insurance Raises $108 Million, Receives Regulatory Approval to Launch the First Full-Stack Insurance Carrier for Startups") (Evidence: Company-reported; scope: Website product labels and package descriptions. Labels are not equivalent coverage, and website summaries are not policy wording.; verified: 2026-09-15.)

Corgi’s D&O page describes claims-made coverage for directors, officers, and the company under form CORG-DO-0100, issued by Technology Risk Retention Group. The example has defense costs within the policy limit and a $25,000 per-claim retention—the portion of a claim you pay. Your quote and policy set the actual terms. [5](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Public product-page summary last reviewed 24 April 2026 on the page itself; illustrative limits and retentions may differ from a buyer’s policy.; verified: 2026-09-15.)

Risk retention groups can write business liability insurance for their members. They cannot provide other types of insurance, such as property coverage, so a package with those products needs another insurer. [19](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section3901&num=0&edition=prelim "15 U.S.C. § 3901 — Definitions") [21](https://www.azleg.gov/ars/20/02402.htm "Arizona Revised Statutes § 20-2402") (Evidence: Verified; scope: Statutory limit on what an RRG may write. It does not by itself prove which Corgi product sits on which paper.; verified: 2026-09-15.) | On its technology pages, Travelers lists CyberRisk Tech (technology E&O and cyber options, including media and regulatory-proceedings agreements on the cyber page), Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto and umbrella. Other current offering pages list a small-business technology-services BOP, management-liability lines (D&O, EPL, fiduciary, fidelity and crime, kidnap and ransom), professional E&O, inland marine including cargo, equipment breakdown, surety and commercial umbrella/excess including a Northfield surplus-lines option. [23](https://www.travelers.com/business-insurance/technology "Technology Insurance") [25](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [24](https://www.travelers.com/small-business-insurance/technology-services "Small Business Technology Services Insurance") [30](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") [49](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") [35](https://www.travelers.com/business-insurance/inland-marine "Inland Marine Insurance") [37](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") [36](https://www.travelers.com/surety-bond "Surety Bonds") [48](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") (Evidence: Company-reported; scope: Marketed catalogue from product and service pages accessed 16 September 2026. Labels are not policy wording, limits or endorsements, and not every line is offered in a combined technology package.; verified: 2026-09-16.) | | Access to insurers | Corgi uses affiliated and partner insurers. Your policy names the insurer and claims administrator for your coverage. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") (Evidence: Company-reported; scope: Company disclosure of variable issuing paper. Do not treat the Corgi brand, the producer, or any one carrier as the insurer on every policy.; verified: 2026-09-15.)

Technology Risk Retention Group, Inc. appears in the NAIC company listing as Arizona-domiciled property and casualty company code 17763 (listed as TECHNOLOGY RRG INC). Corgi’s disclaimers call TRRG the group’s primary underwriting entity and a risk retention group organized under the Liability Risk Retention Act. The same Carrier Financial Strength paragraph describes TRRG as federally chartered and operating under federal prudential oversight; that wording is company language and is not adopted here as a legal conclusion. [17](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [3](https://www.corgi.insure/about "About Corgi") [2](https://www.corgi.insure "Corgi Insurance homepage") [18](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups") [19](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section3901&num=0&edition=prelim "15 U.S.C. § 3901 — Definitions") (Evidence: Company-reported; scope: Entity identity and Arizona domicile are supported by the NAIC listing. Which Corgi products currently issue on TRRG paper is company-described and can vary by account. NAIC and the Liability Risk Retention Act describe RRGs as state-chartered or state-licensed liability insurers with domiciliary-state regulation of formation and operation.; verified: 2026-09-15.)

A risk retention group is a member-owned liability insurer licensed in its home state. Federal law lets it operate in other states through registration. Members must have similar or related business risks. [18](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups") [19](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section3901&num=0&edition=prelim "15 U.S.C. § 3901 — Definitions") [21](https://www.azleg.gov/ars/20/02402.htm "Arizona Revised Statutes § 20-2402") (Evidence: Verified; scope: General RRG charter, membership, and oversight from current NAIC topic material last updated 13 October 2025 and the cited statutes. This is not a statement of TRRG’s surplus, a federal charter, or of which Corgi products currently issue on TRRG paper. The reviewed sources do not describe voting, dividend, or assessment rights for a Corgi policyholder in practice.; verified: 2026-09-15.)

For customers who need an admitted insurer, Corgi says it can use affiliated or partner carriers rated A- or better by AM Best. Options depend on the state, coverage, and business. Eligible admitted policies may have state guaranty-association protection, subject to that state’s limits. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [3](https://www.corgi.insure/about "About Corgi") [2](https://www.corgi.insure "Corgi Insurance homepage") [9](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") (Evidence: Company-reported; scope: Company description of an alternative placement path. It is not a guarantee that a given account will receive A- admitted paper, not an AM Best rating of TRRG or of Corgi Insurance Company, Inc., and not a blanket guarantee of guaranty-association payment. Guaranty-association language does not apply to risk retention group policies.; verified: 2026-09-15.)

Corgi says Technology Risk Retention Group does not have an AM Best rating. A financial-strength rating and admitted status are separate things. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [5](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Company statement about TRRG. Admitted status, an AM Best rating, and financial condition are separate facts. This profile does not assign a financial-strength grade to TRRG.; verified: 2026-09-15.)

Corgi Insurance Company’s August 2026 launch announcement did not give a financial-strength rating or a complete list of licensed states. Confirm both if they are requirements for your business. [9](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [22](https://www.insurancebusinessmag.com/us/news/breaking-news/corgi-built-its-name-insuring-ai-startups--its-new-carrier-targets-dry-cleaners-salons-and-more-587646.aspx "Corgi built its name insuring AI startups. Its new carrier targets dry cleaners, salons and more") (Evidence: Not found in reviewed sources; scope: Reviewed public sources as of 15 September 2026. Not finding a published rating is not a finding that the company has no rating, no capital, or no authorization.; verified: 2026-09-15.)

Policies issued by a risk retention group are not covered by state insurance guaranty funds. Corgi includes this notice for policies issued by Technology Risk Retention Group. [20](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section3902&num=0&edition=prelim "15 U.S.C. § 3902 — Risk retention groups") [2](https://www.corgi.insure "Corgi Insurance homepage") [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") (Evidence: Verified; scope: RRG policies. This is a statutory qualification, not a prediction of insolvency, and it is not a statement about admitted policies.; verified: 2026-09-15.)

Corgi says its insurers may share risk with reinsurers, while the insurer on your policy remains responsible for claims. Its public disclosures do not name the current reinsurers or their contract terms. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [14](https://kindredventures.com/announcement/corgi-rebuilding-insurance-with-ai/ "Corgi: Rebuilding Insurance with AI") (Evidence: Not publicly disclosed; scope: Public disclosures as of 15 September 2026. Not identifying a named panel is not a finding that there is no reinsurance.; verified: 2026-09-15.) | Travelers is the brand. Product footers name The Travelers Indemnity Company and its property-casualty affiliates, and Bond & Specialty pages name Travelers Casualty and Surety Company of America and affiliates. Umbrella materials also describe Northfield excess-and-surplus coverage for some hard-to-place risks. The issuing company, admitted or surplus status, and any fronting or network partner remain quote-specific. [29](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [47](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") [31](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") [48](https://www.travelers.com/business-insurance/commercial-umbrella "Commercial Umbrella and Excess Liability Insurance") [41](https://www.travelers.com/business-insurance/global/technology-companion "Global Insurance for Technology and Life Sciences") (Evidence: Company-reported; scope: Entities named on current marketing and compensation pages. This research does not assign one issuer to the entire technology catalogue or to California placements.; verified: 2026-09-16.) | | Application process | You can apply online or book a call with a Corgi specialist. Corgi says eligible applicants can get a quote in minutes and buy coverage the same day. Its disclosures describe both an issued-policy-and-payment condition and temporary coverage under a written binder. Confirm the applicable conditions and effective date in writing. [2](https://www.corgi.insure "Corgi Insurance homepage") [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") (Evidence: Company-reported; scope: Company website process claims and Binding Authority and Policy Issuance disclosure, rechecked on 15 September 2026. The disclosure's first paragraph requires policy issuance and payment, while its next paragraph describes temporary binder coverage; this record does not resolve which conditions apply to a particular placement. Quote speed is not independently verified and is not the same as coverage being in force. A self-serve path is not evidence of zero producer commissions or fees.; verified: 2026-09-15.) | Travelers tells business buyers to get a quote through an independent agent, using a public agency locator. Its 2025 Form 10-K says Select Accounts uses an automated underwriting platform so agents can quote, bind and issue a substantial amount of small-business risks, while more complex risks are underwritten with company personnel. Technology and CyberRisk Tech pages likewise tell buyers to consult an agent or Travelers representative; a direct public bind path for technology packages was not found on the reviewed pages. [28](https://www.travelers.com/contact-us "Contact Us") [45](https://agent.travelers.com/search "Find the nearest Travelers Insurance agency") [23](https://www.travelers.com/business-insurance/technology "Technology Insurance") [25](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Insurance for Technology and Life Sciences") [51](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm "The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025") [44](https://www.travelers.com/about-travelers/value-of-an-agent "Benefit from the Personal Attention of a Travelers Independent Agent") (Evidence: Company-reported; scope: Application path described on contact, agent-locator, technology and 10-K sources. Automated small-commercial issuance is not evidence that a technology, D&O or cyber submission will quote or bind the same way.; verified: 2026-09-16.) | | Fees and compensation | Corgi Insurance Services may receive commissions or fees from the insurer or the customer. You can ask for the type and amount of compensation on your policy. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") (Evidence: Company-reported; scope: Producer compensation disclosure. Website, self-serve, or other direct distribution is not a finding of zero commissions or fees. Specific amounts were not published in the reviewed sources.; verified: 2026-09-15.)

Corgi lists typical annual prices of $2,000–$5,000 for eligible pre-seed and seed startups and $5,000–$15,000 for Series A companies. Your price depends on the business, state, coverage, limits, and other underwriting details. [2](https://www.corgi.insure "Corgi Insurance homepage") [6](https://www.corgi.insure/customers "Customer Success Stories") [7](https://www.corgi.insure/partnerships "Partnerships") (Evidence: Company-reported; scope: Company-reported ranges and a marketing savings claim, not comparable quotes. They are not premiums for a defined risk, limit, retention, or policy period. “Underwrites directly” is not a finding of zero producer commissions or fees, and no public methodology for the 30 percent figure was found.; verified: 2026-09-15.) | Travelers discloses that it generally pays independent producers a base commission as a percentage of premium, and may also pay contingent compensation, value-based amounts, production incentives, promotional reimbursements, strategic-relationship amounts or service fees. It might not pay all, or any, of those types on a given placement. Percentages vary by business, risk and state. Account-specific amounts are directed to the buyer’s agent or broker. [29](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") (Evidence: Company-reported; scope: U.S. producer-compensation disclosure accessed 16 September 2026. This describes what Travelers may pay producers, not a buyer-facing fee schedule.; verified: 2026-09-16.)

The reviewed public pages do not publish a standard premium, deductible schedule or buyer-paid broker fee for technology insurance. Travelers states that cost depends on coverage types, limits and the business’s risks, location and size, and tells buyers to work with an insurance professional. [27](https://www.travelers.com/business-insurance "Business and Commercial Insurance Policy Quotes") [47](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") [29](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") (Evidence: Not publicly disclosed; scope: Business-insurance and workers-compensation marketing pages accessed 16 September 2026. Absence of a public price list is not evidence that coverage is free or that no fees apply.; verified: 2026-09-16.) | ## Related Reading - [What Is Corgi Insurance?](https://spot.insure/insurance-providers/corgi) - [What Is Travelers Insurance?](https://spot.insure/insurance-providers/travelers) ## Related Comparisons - [Alliance Risk vs Corgi](https://spot.insure/compare/alliance-risk-vs-corgi) - [Alliance Risk vs Travelers Insurance](https://spot.insure/compare/alliance-risk-vs-travelers) - [Amelia Risk vs Corgi](https://spot.insure/compare/amelia-risk-vs-corgi) - [Amelia Risk vs Travelers](https://spot.insure/compare/amelia-risk-vs-travelers) - [Armilla vs Corgi](https://spot.insure/compare/armilla-vs-corgi) - [Armilla vs Travelers Insurance](https://spot.insure/compare/armilla-vs-travelers) - [At-Bay vs Corgi Insurance](https://spot.insure/compare/at-bay-vs-corgi) - [At-Bay vs Travelers Insurance](https://spot.insure/compare/at-bay-vs-travelers) - [Beazley vs Corgi](https://spot.insure/compare/beazley-vs-corgi) - 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[Resilience vs Travelers](https://spot.insure/compare/resilience-vs-travelers) - [RiskCube vs Travelers](https://spot.insure/compare/riskcube-vs-travelers) - [Risklytics vs Travelers Insurance](https://spot.insure/compare/risklytics-vs-travelers) - [StartupInsurance.ai vs Travelers Insurance](https://spot.insure/compare/startupinsurance-vs-travelers) - [TechInsurance vs Travelers](https://spot.insure/compare/techinsurance-vs-travelers) - [The Hartford vs Travelers Insurance](https://spot.insure/compare/the-hartford-vs-travelers) - [Travelers vs USI](https://spot.insure/compare/travelers-vs-usi) - [Travelers Insurance vs Vouch](https://spot.insure/compare/travelers-vs-vouch) - [Travelers Insurance vs WithCoverage](https://spot.insure/compare/travelers-vs-withcoverage) ## Sources ### [Corgi Official Website](https://www.corgi.insure) 1. [Disclaimers & Licensing](https://www.corgi.insure/disclaimers). 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. 2. [Corgi Insurance homepage](https://www.corgi.insure). Corgi Insurance Services, Inc.; Product packages; Self-Serve (apply, get quoted in minutes, bind same-day) and Book a Demo paths; FAQ on cost, claims, and binding; footer entity notices. Accessed 2026-09-15. 3. [About Corgi](https://www.corgi.insure/about). Corgi Insurance Services, Inc.; Company description; Federally Regulated, A-Rated Admitted Access, and Licensed Nationwide sections. Accessed 2026-09-15. 4. [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses). Corgi Insurance Services, Inc.; State-by-state producer license table for Corgi Insurance Services, Inc.. Accessed 2026-09-15. 5. [Directors & Officers (D&O) Insurance for Startups](https://www.corgi.insure/directors-and-officers). Corgi Insurance Services, Inc.; Form CORG-DO-0100 coverage summary; policy notes stating TRRG underwrites the D&O coverage part; footer identifying Corgi Insurance Company, Inc. NAIC 17989. Accessed 2026-09-15. 6. [Customer Success Stories](https://www.corgi.insure/customers). Corgi Insurance Services, Inc.; Page heading and named technology-company testimonials; cost FAQ. Accessed 2026-09-15. 7. [Partnerships](https://www.corgi.insure/partnerships). Corgi Insurance Services, Inc.; Direct Underwriting savings claim; partner-page process; onboarding-to-claims handling claim. Accessed 2026-09-15. 8. [Insurance for AI, Built for Model Risk](https://www.corgi.insure/ai). Corgi Insurance Services, Inc.; Tech & AI Liability product description and related AI-risk FAQ. Accessed 2026-09-15. 9. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15. 10. [Corgi Insurance Raises $108 Million, Receives Regulatory Approval to Launch the First Full-Stack Insurance Carrier for Startups](https://www.prnewswire.com/news-releases/corgi-insurance-raises-108-million-receives-regulatory-approval-to-launch-the-first-full-stack-insurance-carrier-for-startups-302657727.html). PR Newswire (Corgi press release); 9 January 2026 funding announcement; listed startup coverage lines; company-reported ARR figure. Accessed 2026-09-15. 11. [Corgi Reaches $2.6B Valuation With $106M Series B1 Three Weeks After $160M Unicorn Round](https://www.prnewswire.com/news-releases/corgi-reaches-2-6b-valuation-with-106m-series-b1-three-weeks-after-160m-unicorn-round-302784796.html). PR Newswire (Corgi press release); 28 May 2026 company statement of $378 million total funding and planned vertical expansion. Accessed 2026-09-15. 12. [Corgi Insurance Launches Corgi Claims, the AI-Native TPA](https://www.prnewswire.com/news-releases/corgi-insurance-launches-corgi-claims-the-ai-native-tpa-302813039.html). PR Newswire (Corgi press release); 29 June 2026 launch of Corgi Claims as a TPA; disclaimer that claims services are provided through licensed subsidiaries and affiliates. Accessed 2026-09-15. 13. [Corgi Insurance and Silicon Valley Bank Partner to Connect Clients to Preferred Coverage Solutions](https://www.prnewswire.com/news-releases/corgi-insurance-and-silicon-valley-bank-partner-to-connect-clients-to-preferred-coverage-solutions-302803621.html). PR Newswire (Corgi and Silicon Valley Bank press release); 17 June 2026 partnership announcement for SVB client access to Corgi products. Accessed 2026-09-15. 14. [Corgi: Rebuilding Insurance with AI](https://kindredventures.com/announcement/corgi-rebuilding-insurance-with-ai/). Kindred Ventures; 8 January 2026 investor announcement describing Corgi as a full-stack carrier with a captive reinsurer; company-reported 40,000+ policyholders across 49 states. Accessed 2026-09-15. 15. [Corgi Insurance company profile](https://www.ycombinator.com/companies/corgi-insurance). Y Combinator; Summer 2024 batch; San Francisco location; 2024 founding; team size 250; description as a full-stack insurance carrier for startups. Accessed 2026-09-15. 16. [Registered Federal Risk Retention Groups](https://dbr.ri.gov/sites/g/files/xkgbur696/files/2026-01/Registered_Federal_Risk_Retention_Groups.pdf). Rhode Island Department of Business Regulation; Report date 23 June 2026; registration entry for Technology Risk Retention Group, Inc., NAIC 17763, 425 Bush St., San Francisco, CA 94108. Document title uses “Federal”; that is the state’s list label, not TRRG’s charter type.. Accessed 2026-09-15. 17. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15. 18. [Insurance Topics: Risk Retention Groups](https://content.naic.org/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. 19. [15 U.S.C. § 3901 — Definitions](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section3901&num=0&edition=prelim). U.S. House Office of the Law Revision Counsel; Liability Risk Retention Act definitions of liability and risk retention group, including state charter, member-ownership, and liability-only activity limits. Accessed 2026-09-15. 20. [15 U.S.C. § 3902 — Risk retention groups](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section3902&num=0&edition=prelim). U.S. House Office of the Law Revision Counsel; Non-domicile state registration and policy notice requirements; exemption from state insurance insolvency guaranty associations. Accessed 2026-09-15. 21. [Arizona Revised Statutes § 20-2402](https://www.azleg.gov/ars/20/02402.htm). Arizona Legislature; Risk retention groups chartered and licensed in Arizona may write only liability insurance under that chapter. Accessed 2026-09-15. 22. [Corgi built its name insuring AI startups. Its new carrier targets dry cleaners, salons and more](https://www.insurancebusinessmag.com/us/news/breaking-news/corgi-built-its-name-insuring-ai-startups--its-new-carrier-targets-dry-cleaners-salons-and-more-587646.aspx). Insurance Business; 27 August 2026 report identifying Technology Risk Retention Group as an Arizona-chartered RRG and noting that the admitted-carrier announcement does not specify domicile, licensed states, or rating status. Accessed 2026-09-15. ### [Travelers Official Website](https://www.travelers.com/business-insurance/technology) 23. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Hero and product list: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16. 24. [Small Business Technology Services Insurance](https://www.travelers.com/small-business-insurance/technology-services). Travelers; Technology services BOP inclusions; eligible small-business classes; EPL+ and World Business Essentials add-ons; independent-agent CTA. Accessed 2026-09-16. 25. [Cyber Insurance for Technology and Life Sciences](https://www.travelers.com/business-insurance/cyber-insurance/technology). Travelers; CyberRisk Tech insuring agreements including technology E&O, privacy and security, media and regulatory proceedings, breach response; Cyber Risk Services; agent consultation CTA. Accessed 2026-09-16. 26. [IT Insurance](https://www.travelers.com/business-insurance/technology/information-technology). Travelers; IT audience (software, consultants, staffing, network integration) and listed products including CyberRisk Tech and employment practices liability. Accessed 2026-09-16. 27. [Business and Commercial Insurance Policy Quotes](https://www.travelers.com/business-insurance). Travelers; Find an insurance agent CTA; product tiles including cyber, management and professional liability, BOP, surety, workers compensation; cost depends on risk factors; A.M. Best A++ company statement. Accessed 2026-09-16. 28. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16. 29. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16. 30. [Management and Professional Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance). Travelers; D&O, EPL, ERISA fidelity, E&O, fidelity and crime, fiduciary, kidnap and ransom; stand-alone or suite; private, public, nonprofit and financial institutions. Accessed 2026-09-16. 31. [Directors and Officers (D&O) Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers). Travelers; D&O product description; independent-agent CTA; Travelers Casualty and Surety Company of America footer. Accessed 2026-09-16. 32. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; Fiduciary liability offering for private, public, nonprofit and financial institutions; independent-agent CTA; Travelers Casualty and Surety Company of America footer. Accessed 2026-09-16. 33. [Employment Practices Liability Insurance (EPL)](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices). Travelers; EPL product description for private, public, nonprofit and financial institutions; independent-agent CTA. Accessed 2026-09-16. 34. [Fidelity & Crime Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime). Travelers; Fidelity and crime insuring agreements including social engineering, computer fraud and employee dishonesty; Travelers Casualty and Surety Company of America footer. Accessed 2026-09-16. 35. [Inland Marine Insurance](https://www.travelers.com/business-insurance/inland-marine). Travelers; Inland marine property in transit; computers and electronics; transportation, cargo and logistics coverage. Accessed 2026-09-16. 36. [Surety Bonds](https://www.travelers.com/surety-bond). Travelers; Listed bond types including bid/performance/payment, license and permit, and ERISA fidelity. Accessed 2026-09-16. 37. [Equipment Breakdown Insurance Coverage](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage). Travelers; EnergyMax 21 equipment-breakdown package, including high-tech businesses among stated audiences. Accessed 2026-09-16. 38. [Business Insurance Claims](https://www.travelers.com/business-insurance/claims). Travelers; 24/7/365 reporting via agent, online system or 800.238.6225; Technology claim unit since 1998; equipment-breakdown and inland marine claim units. Accessed 2026-09-16. 39. [File a Business Claim](https://www.travelers.com/claims/file-claim/business). Travelers; MyTravelers for Business login path to file a claim. Accessed 2026-09-16. 40. [MyTravelers for Business Online Self-Service Capabilities](https://www.travelers.com/small-business-insurance/mytravelers). Travelers; Pay bills, report and track claims, policy documents, certificates; footnotes limiting some features to Select Accounts and National Programs Commercial Multi-Peril customers. Accessed 2026-09-16. 41. [Global Insurance for Technology and Life Sciences](https://www.travelers.com/business-insurance/global/technology-companion). Travelers; Global Companion Plus+ coverages; U.S. product described as non-admitted; INI network in over 150 countries; kidnap and ransom among listed coverages. Accessed 2026-09-16. 42. [Global Insurance](https://www.travelers.com/business-insurance/global). Travelers; Global insurance for U.S. companies doing business abroad; Global Companion Plus+ versus Controlled Master Programs. Accessed 2026-09-16. 43. [Who We Are](https://www.travelers.com/about-travelers). Travelers; Property-casualty insurer; more than 30,000 employees and 15,000 independent agents and brokers in the United States, Canada, the United Kingdom and Ireland. Accessed 2026-09-16. 44. [Benefit from the Personal Attention of a Travelers Independent Agent](https://www.travelers.com/about-travelers/value-of-an-agent). Travelers; Independent agents are not captive to one company; can help with claims and policy updates; Travelers.com/find agent CTA. Accessed 2026-09-16. 45. [Find the nearest Travelers Insurance agency](https://agent.travelers.com/search). Travelers; Public independent-agency locator for home, auto, business and renters insurance. Accessed 2026-09-16. 46. [Travelers Insurance agencies in CA](https://agent.travelers.com/ca). Travelers; Directory heading stating 1761 insurance agencies in California. Accessed 2026-09-16. 47. [Workers Compensation Insurance](https://www.travelers.com/business-insurance/workers-compensation). Travelers; Product description; buy via local Travelers agent; The Travelers Indemnity Company footer; monopolistic-state qualification. Accessed 2026-09-16. 48. [Commercial Umbrella and Excess Liability Insurance](https://www.travelers.com/business-insurance/commercial-umbrella). Travelers; A/B umbrella, excess liability, and Northfield excess and surplus lines; purchase via independent agent; typically requires underlying Travelers primary coverage. Accessed 2026-09-16. 49. [Errors and Omissions Insurance (E&O)](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions). Travelers; Professional E&O offerings including miscellaneous professional liability; independent-agent CTA. Accessed 2026-09-16. 50. [Travelers Investor Relations Corporate Profile](https://investor.travelers.com/home/default.aspx). The Travelers Companies, Inc.; NYSE: TRV; property casualty insurance for auto, home and business sold primarily through independent agents and brokers; operations in the United States and selected international markets. Accessed 2026-09-16. 51. [The Travelers Companies, Inc. Form 10-K for the year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/86312/000008631226000065/trv-12312025x10k.htm). U.S. Securities and Exchange Commission; Item 1 Business: holding company; Business Insurance distributed through independent agencies and brokers; Select Accounts automated quote/bind/issue for many small risks; Bond & Specialty distribution; California premium-share tables. Accessed 2026-09-16. 52. [California Department of Insurance company profile: Travelers Indemnity Company (The)](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=103456&event=companyProfile). California Department of Insurance; NAIC 25658; California Company ID 4772-0; authorized 06/17/2002; license status Unlimited-Normal; Connecticut domicile; Travelers Grp 3548; authorized lines including liability, fire, workers’ compensation and surety. Accessed 2026-09-16. 53. [California Department of Insurance company profile: Travelers Casualty and Surety Company of America](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=6182&event=companyProfile). California Department of Insurance; NAIC 31194; California Company ID 2444-8; authorized 07/31/1981; license status Unlimited-Normal; Connecticut domicile; Travelers Grp 3548. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. 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