Corgi vs Coverdash: Technology E&O Insurance

Want a stand-alone Tech E&O quoted online instantly, with illustrative limits to $1 million? That is Corgi. Coverdash is a broker placing Tech E&O with a carrier through a digital quote-to-purchase flow, with general liability or cyber add-ons.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-29

What Are the Key Differences Between Corgi and Coverdash Tech E&O Insurance?

Published Terms With Exclusions vs Unpublished Terms

Corgi's standard Tech E&O form excludes claims arising solely from breach of contract or SLA failure, IP infringement, data-breach liability and AI-related claims unless you buy add-on endorsements. Coverdash describes cover for software that didn't perform as promised, late or off-spec projects, and client data mishandled through a security failure, plus defense of groundless claims, but publishes no exclusions or limits. Choose Corgi if you're a startup that wants a known price and form and will add the endorsements you need; choose Coverdash if you want to compare a broker's quote before committing. [4] [6] [7]

Instant Quote and Packages vs Online Add-Ons

Corgi sells Tech E&O as a standalone instant quote and includes it in every startup package from pre-seed and seed up. Coverdash sells through a fully digital quote-to-purchase flow and lets you add general liability or cyber. [4] [3] [6]

What Should You Confirm in Corgi and Coverdash Tech E&O Insurance Quotes?

  • Ask Corgi whether your policy is issued by Technology Risk Retention Group (a member-owned insurer without a financial-strength rating) or an A- rated partner, and which contract, AI or IP endorsements are on the quote. [4]
  • Ask Coverdash which insurer issues the policy and for its limits. [6]
  • Compare Corgi's $10,000 retention, with defense costs inside the limit, against Coverdash's declarations. [4]
  • Ask whether Coverdash's "client data mishandled" cover sits in Tech E&O, cyber or both, given Corgi's base form excludes data breaches. [6] [4]

Corgi quotes Tech E&O instantly with $1 million per claim, $2 million aggregate and a $10,000 retention, but its base form excludes contract, IP, data-breach and AI claims unless you add endorsements. Coverdash also sells online, as a broker, without publishing limits, exclusions or the insurer.

Sources reviewed

  1. 01
    Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application

    ACE American Insurance Company / Chubb · Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6 · accessed 2026-09-16

  2. 02
    DigiTech Enterprise Risk Management

    Chubb · Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer · accessed 2026-09-16

  3. 03
    Corgi Insurance: Startup Insurance, Quoted in Minutes

    Corgi Insurance · Explore Our Main Policies: Tech & AI Liability card marked "Instant quote"; Coverage Designed Around Your Startup's Journey package contents listing Tech E&O · accessed 2026-09-23

  4. 04
    Tech E&O Insurance for Startups | Corgi Insurance

    Corgi Insurance · What's Actually Inside Your Tech E&O Policy (form CORG-EO-0100 / CORG-TECH-0500); Scenario notes; Policy notes; Available Add-ons; Tech E&O Glossary; FAQ including carrier rating question · accessed 2026-09-23

  5. 05
    Coverage Hub

    Coverdash · Professional & Management category listing Tech E&O separately from Professional Liability · accessed 2026-09-23

  6. 06
    Tech E&O Insurance

    Coverdash · Product introduction; Types of Coverage cards for Software failures, Missed deliverables, Data and security lapses, Legal defense; Who It's For industry list · accessed 2026-09-23

  7. 07
    Terms And Conditions

    Coverdash · "Coverdash does not provide any underwriting services"; broker/agent of record designation · accessed 2026-09-23

  8. 08
    Insurance and Bonding Guidelines

    Georgia Department of Administrative Services · Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8 · accessed 2026-09-16

  9. 09
    Glossary of Insurance Terms

    National Association of Insurance Commissioners · Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical · accessed 2026-09-16

  10. 10
    Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)

    New York State Office of General Services · §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note · accessed 2026-09-16

  11. 11
    Technology Errors and Omissions Insurance

    The Hartford · What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts · accessed 2026-09-16

  12. 12
    Cyber Risk for Technology Companies

    Travelers · CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services · accessed 2026-09-16

Areas of coverage

Corgi

  • role: 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. Tech E&O product page and homepage package contents; package composition may change.company-reportedSource ↗Source ↗
  • insurer: 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. Tech E&O FAQ on carrier rating; the actual issuing carrier for a given policy appears on the declarations page, not this page.company-reportedSource ↗
  • coverage: 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. Illustrative scenario notes on the Tech E&O product page; the issued policy and declarations control the actual trigger.company-reportedSource ↗
  • coverage: 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. Tech E&O policy notes and Available Add-ons section; endorsement availability varies by jurisdiction and underwriting.company-reportedSource ↗
  • limits: 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. Illustrative policy structure on the product page; actual limits and retentions appear on the declarations.company-reportedSource ↗
  • application: 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. Homepage policy-card labeling as of 2026-09-23.company-reportedSource ↗
  • services: The reviewed Tech E&O page does not describe risk-management or loss-prevention services for policyholders beyond the glossary and FAQ content. Tech E&O product page as read on 2026-09-23.not-foundSource ↗

Coverdash

  • role: Coverdash arranges Tech E&O coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. General brokerage terms applied to the Tech E&O page; not specific to any one carrier or state.company-reportedSource ↗Source ↗
  • insurer: The Tech E&O page does not name the insurer that issues the policy. Reviewed Tech E&O page as of 2026-09-23; the page describes coverage without naming a specific carrier.not-disclosedSource ↗
  • coverage: Coverdash describes Tech E&O as covering claims that a company's software didn't perform as promised, a project was late or didn't meet the agreed spec, or client data was mishandled or exposed through a security failure, and pays legal defense costs even for a groundless claim. Product-page coverage cards; the issued policy and declarations control actual wording, limits, exclusions and whether the policy is claims-made.company-reportedSource ↗
  • coverage: Coverdash's coverage hub lists Tech E&O separately from its general professional liability product, targeting it specifically at technology businesses rather than professional-service firms generally. Coverage hub category structure; does not establish which product a given underwriter would actually issue for a mixed-model business.company-reportedSource ↗
  • eligibility: Coverdash markets Tech E&O to businesses that build, sell or service technology, naming SaaS companies, dev shops, IT providers and consultants as examples. Product-page eligibility description; actual acceptance depends on underwriting.company-reportedSource ↗
  • limits: The Tech E&O page does not publish specific limit, retention or deductible amounts. Reviewed Tech E&O page as of 2026-09-23; figures are quote-specific and not shown on the public product page.not-disclosedSource ↗
  • application: Coverdash describes a fully digital quote-to-purchase process for Tech E&O, with the option to add coverages such as general liability or cyber alongside it. Product-page company information and cross-sell section.company-reportedSource ↗

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