What Are the Key Differences Between Corgi and Cowbell Tech E&O Insurance?
Instant Online Quote vs Agent-Sold Combined E&O and Cyber
Corgi sells Tech E&O as a standalone policy you can quote instantly online, and also includes it in its startup packages; its illustration shows $1 million / $2 million limits. Cowbell's Prime Tech combines Tech E&O and cyber in one policy for tech businesses with up to $1 billion in revenue, with limits up to $5 million, sold through agents as surplus lines (fewer state protections). Choose Corgi if you're an early-stage startup that wants cover today; choose Cowbell if you need higher limits or cyber in the same policy. [4] [3] [6]
Contract and IP Excluded Unless Endorsed vs Included
Corgi's standard policy excludes claims arising solely from breach of contract or SLA failure, and IP infringement; you can buy endorsements that add back contract/SLA claims and copyright and trademark infringement. Cowbell says Prime Tech includes expansive breach-of-contract and IP infringement cover and doesn't exclude guarantees, consequential damages or breached warranties. If your customer contracts include SLAs, a base Corgi policy may not respond; add the endorsement or compare Cowbell. [4] [6]
What Should You Confirm in Corgi and Cowbell Tech E&O Insurance Quotes?
- Ask Corgi which endorsements are on your quote and which insurer issues it. Corgi's Tech E&O is primarily written by Technology Risk Retention Group, an insurer owned by its policyholders, or an affiliated partner rated A- or better. [4]
- Ask Cowbell's agent whether you're quoted Prime Tech, Prime Tech Plus or both, and which insurer issues it. [6]
- Compare Corgi's $1 million / $2 million illustration with Cowbell's $5 million, and check your revenue against Cowbell's $1 billion cap. [4] [6]
- Read both forms' warranty and IP wording before you choose. [6] [4]