--- title: "Corgi vs USI Insurance Services: D&O Insurance" description: "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." canonical: "https://spot.insure/compare/corgi-vs-usi/directors-officers" page-type: "line-comparison" updated-at: "2026-09-29" comparison-pair: "corgi-vs-usi" provider-a: "corgi" provider-b: "usi" coverage-line: "directors-officers" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/corgi-vs-usi/directors-officers) ## Agent Guide **What this page is:** Focused comparison of Corgi and USI Insurance Services 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 USI Insurance Services. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Corgi vs USI Insurance Services for D&O Insurance: how do they differ? - Which is better for D&O Insurance, Corgi or USI Insurance Services? - What does Corgi or USI Insurance Services publish about D&O Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: D&O Insurance. Providers: Corgi and USI Insurance Services. - 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 USI Insurance Services](https://spot.insure/compare/corgi-vs-usi) — 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 - [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) — provider profile # 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 underwrites a named RRG startup form; USI brokers D&O through ExecuSafe and a Technology practice from seed through IPO. ## Corgi vs USI Insurance Services D&O Insurance Summary 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](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [2](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [3](https://www.usi.com/property-casualty/technology/ "Technology Insurance") ## 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](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [2](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") ### 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](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [2](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [3](https://www.usi.com/property-casualty/technology/ "Technology Insurance") ### 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](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [3](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [2](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") ## 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](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") - 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](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") - Confirm whether USI is routing you through ExecuSafe for SMBs or the Technology practice for a seed-to-IPO placement. [2](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [3](https://www.usi.com/property-casualty/technology/ "Technology Insurance") - Compare Corgi’s illustrative $1 million / $2 million structure with the actual USI placed limit after any benchmarking. [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") [3](https://www.usi.com/property-casualty/technology/ "Technology Insurance") ## Corgi vs USI Insurance Services D&O Insurance Compared | 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. [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..) | 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](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [3](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [4](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Company-reported; scope: 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. [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..)

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..)

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..) | 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. [2](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: 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. [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..) | 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. [2](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: 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). [1](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: 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. [3](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: Single case study on the Technology practice page; company-reported outcome, not independently verified..) | ## About Corgi and USI Insurance Services and D&O Insurance - [Corgi company profile](https://spot.insure/insurance-providers/corgi) · [Corgi customer reviews](https://spot.insure/insurance-providers/corgi/reviews) - [USI Insurance Services company profile](https://spot.insure/insurance-providers/usi) · [USI Insurance Services customer reviews](https://spot.insure/insurance-providers/usi/reviews) - [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers) ## Related Pages for Corgi vs USI Insurance Services D&O Insurance - [Corgi vs USI Insurance Services](https://spot.insure/compare/corgi-vs-usi): 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) - [USI Insurance Services D&O Insurance](https://spot.insure/insurance-providers/usi/directors-officers) ## Sources for Corgi vs USI Insurance Services 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 USI Insurance Services 2. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/). USI Insurance Services; JULY 5, 2023 article; common D&O claim types (Breach of Contract, Breach of Duty, Misrepresentation, Unfair Competition, Misappropriation of Trade Secrets, Securities Lawsuits, Creditor Lawsuits); Creditor Suit and Competitor Disputes scenarios; How USI Can Help; ExecuSafe endorsement packs. Accessed 2026-09-23. 3. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; USI's Technology Practice provides risk management advisory and insurance placement for: ...Directors & Officers Liability...; CASE STUDY: USI Benchmarking Saves Software Company $100,000 in D&O Premiums. Accessed 2026-09-23. 4. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; USI advises clients...and provides solutions for...Directors & Officers Liability.... 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). 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