Corgi vs USI Insurance Services: How Do They Compare for D&O Insurance?

USI Insurance Services brokers D&O for smaller companies and technology firms from seed to IPO; Corgi sells standalone startup D&O online with example limits up to $1 million per claim and $2 million total.

Corgi offers self-serve D&O with illustrative limits; USI brokers D&O for small and midsize businesses and technology clients from seed through IPO. ^1,^2,³

What Are the Key Differences Between Corgi and USI Insurance Services D&O Insurance?

Named RRG Versus ExecuSafe Broker Package

Corgi’s D&O is a claims-made policy underwritten by Technology Risk Retention Group, Inc. USI brokers D&O: it identifies exposures, reviews existing management-liability policies, and places coverage, including through ExecuSafe. USI does not name the insurer that underwrites ExecuSafe or other D&O placements on the pages reviewed. A Corgi buyer can see the underwriter before quoting; a USI buyer sees the issuer on the placed quote. ¹ ²

Pre-Seed Packages Versus Seed-to-IPO Technology Practice

Corgi sells D&O as a standalone startup policy and inside packages starting at pre-seed and seed, with a self-serve quote. USI targets small- and medium-sized businesses for ExecuSafe, and its Technology practice places D&O for software, hardware and communications clients from seed stage through IPO. If you are pre-seed, Corgi’s packages are the stage it describes; if you are a software, hardware or communications company heading toward IPO, USI’s Technology practice is the stage it describes. ¹ ² ³

Limits You Can See

Corgi’s illustrative structure shows limits up to $1 million per claim and $2 million in the aggregate, with a $25,000 retention (none on Side A) and defense inside the limit. USI does not publish its own placed ExecuSafe limits; its Technology practice cites a benchmarking case that changed a software company’s D&O limit. Check Corgi’s example against the bound form; take USI’s dollars from the quote after any benchmarking. ¹ ³ ²

What Should You Confirm in Corgi and USI Insurance Services D&O Insurance Quotes?

Confirm Technology Risk Retention Group, Inc. is the issuer on a Corgi quote. ¹
Ask USI which carrier would issue the policy and whether ExecuSafe endorsements are on the form. Keep Corgi’s named RRG next to USI’s unnamed ExecuSafe carrier. ²
Confirm whether USI is routing you through ExecuSafe for SMBs or the Technology practice for a seed-to-IPO placement. ² ³
Compare Corgi’s illustrative $1 million / $2 million structure with the actual USI placed limit after any benchmarking. ¹ ³

Corgi vs USI Insurance Services D&O Insurance Compared

Corgi vs USI Insurance Services: D&O Insurance: documented features by provider

Criteria	Corgi Directors & Officers (D&O)	USI ExecuSafe Directors & Officers Liability Program
How to Apply	You can request a D&O quote online through Corgi's self-serve application. ¹Company-reported. Product page quote call to action.	USI directs small- and medium-sized businesses interested in ExecuSafe to email Select.Business@usi.com; its Technology and Business Services practices separately route inquiries to pcinquiries@usi.com or a local USI office. ^2,^3,⁴Company-reported. Contact instructions on the ExecuSafe article and the Technology and Business Services pages.
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.	USI says D&O insurance is meant to protect a company's leadership from personal loss in a lawsuit, since the corporate veil does not shield directors and officers from personal liability for the business's actions and debts. It lists breach of contract, breach of duty, misrepresentation, unfair competition, misappropriation of trade secrets, securities lawsuits and creditor lawsuits as common claim types the coverage responds to. ²Company-reported. ExecuSafe article's description of D&O purpose and claim types; actual insuring agreements 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. ¹Company-reported. Product page for form CORG-DO-0100, last reviewed by Corgi on April 24, 2026 per the page itself.	USI is a broker for D&O coverage. It says it helps clients identify D&O exposures, review any existing management liability policies for gaps, and place coverage, including through its own named endorsement package, ExecuSafe. ²Company-reported. ExecuSafe article's "How USI Can Help" section.
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). ¹Company-reported. Available Add-ons section of the product page; endorsement availability varies by jurisdiction and underwriting, and each requires a separate endorsement to apply.	USI's Technology practice cites a case study where its benchmarking analysis showed a software company was buying more D&O limit than peers with similar risk profiles, and says the resulting change saved the client more than $100,000 per year in D&O premium. ³Company-reported. Single case study on the Technology practice page; company-reported outcome, not independently verified.