Corgi vs Vouch Tech E&O Insurance

Corgi sells Tech E&O as a standalone instant-quote policy and bundles it into every startup package, starting with the pre-seed and seed tier. ^6,2Company-reported. Tech E&O product page and homepage package contents; package composition may change.

Vouch is a broker, not an insurer, for tech E&O. It lists Tech Errors & Omissions among the core coverages it places for technology clients. ¹¹Company-reported. Vouch's Technology practice page.

Corgi says Tech E&O is primarily underwritten by Technology Risk Retention Group (TRRG), an unrated risk retention group; buyers who need admitted, AM Best-rated paper can instead be placed with affiliated partner carriers rated A- or better, subject to eligibility. ⁶Company-reported. Tech E&O FAQ on carrier rating; the actual issuing carrier for a given policy appears on the declarations page, not this page.

Neither the Technology page nor the tech E&O blog post names the insurer that underwrites Vouch's tech E&O placements. ^11,12Not publicly disclosed. Pages checked on 2026-09-23.

Not described in the reviewed sources.

Vouch markets tech E&O to technology companies across AI, SaaS, eCommerce, fintech, hardware and crypto, saying it works with clients from their first customer contract through IPO. ¹¹Company-reported. Vouch's Technology practice page; not an underwriting appetite guarantee for any specific applicant.

The policy responds to claims-made "wrongful acts": negligent errors in technology services (e.g., a bad calculation costing a client money), negligent acts such as an outage from a code update, and negligent systems integration or data migration work. ⁶Company-reported. Illustrative scenario notes on the Tech E&O product page; the issued policy and declarations control the actual trigger.

The standard policy excludes claims arising solely from breach of contract or SLA failure, intellectual property infringement, data breach liability, and AI-related claims; add-on endorsements can extend coverage to AI/algorithmic liability, copyright and trademark infringement, a contract/SLA carveback, and subcontracted technology services. ⁶Company-reported. Tech E&O policy notes and Available Add-ons section; endorsement availability varies by jurisdiction and underwriting.

Vouch's educational article says tech E&O covers claims arising from service errors or failures, professional negligence, missed deliverables or deadlines, breach of contract or warranty, accidental intellectual-property infringement, and third-party data-breach liability tied to a vulnerability in the company's product, plus legal defense, settlements and judgments. It excludes bodily injury or property damage (covered by general liability), intentional wrongdoing, criminal acts, employment claims and cyber incidents affecting the policyholder's own systems. ¹²Company-reported. Blog article dated October 20, 2025, describing tech E&O generally; the buyer's actual policy form and exclusions govern any specific placement.

Corgi shows illustrative Tech E&O limits of up to $1 million per claim and $2 million aggregate, with a $10,000 self-insured retention per claim, and describes defense costs as included within the limit. ⁶Company-reported. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations.

Neither page publishes tech E&O policy limits or retentions; the blog says the amount of coverage a company chooses affects the cost of the policy without naming a range. ¹²Not publicly disclosed. Pages checked on 2026-09-23.

The reviewed Tech E&O page does not describe risk-management or loss-prevention services for policyholders beyond the glossary and FAQ content. ⁶Not found in reviewed sources. Tech E&O product page as read on 2026-09-23.

Not described in the reviewed sources.

Tech & AI Liability is one of the homepage's "Instant quote" policies, meaning it can be quoted and bound online without the 1-14 day turnaround Corgi assigns to its specialty coverages. ²Company-reported. Homepage policy-card labeling as of 2026-09-23.

Vouch's site routes prospective buyers to its online "Get Started" application flow rather than a phone-only or paper process. ¹¹Company-reported. Vouch Technology page navigation.