Corgi vs Hub International: Technology E&O Insurance

You can quote and bind Corgi's stand-alone Tech E&O online on the spot. HUB International brokers it through a conversation with a broker, customized to your size and risk, with no online quote flow.

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 HUB International Tech E&O Insurance?

Instant Online Bind vs a Customized Broker Placement

Corgi labels Tech & AI Liability an instant-quote policy you can bind online, unlike the 1–14 day turnaround it gives specialty lines. HUB sends you to a broker and tailors E&O to your size, industry, location, risk and desired limits; it says it insures more than 5,000 technology companies. Choose Corgi if you’re an early-stage company that needs cover quickly; choose HUB if you want terms negotiated or need to carry over prior-acts cover from an old policy. [3] [6] [7]

Named Tech Failures With Exclusions vs Prior Acts and Tail

Corgi’s claims-made policy responds to negligent errors in technology services, outages from a code update, and negligent systems integration or data migration, with exclusions for contract, AI, IP and data-breach claims unless endorsed. HUB says E&O typically covers defense, judgments, settlements and fines, and can include prior-acts cover back to a retroactive date plus tail, protecting you when you switch insurers. Corgi doesn’t describe prior-acts or tail. [4] [6]

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

  • Ask Corgi which endorsements restore cover for contract, AI, IP and data-breach claims. [4]
  • Ask both for the retroactive date and tail options. [6] [4]
  • Get HUB’s per-claim and aggregate limits in dollars to compare with Corgi’s $1 million / $2 million sample. [6] [4]
  • Ask HUB which insurer it proposes. Corgi names Technology Risk Retention Group (a member-owned insurer without state guaranty fund backing) as primary underwriter, with A- rated partners. [4] [7]

Corgi lets you quote and bind its Tech & AI Liability policy online instantly, with sample limits of $1 million per claim and $2 million total. HUB is a broker that customizes E&O to your size, industry and limits, and can add prior-acts and tail cover.

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
    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

  6. 06
    Errors and Omissions (E&O) Insurance Coverage

    HUB International · Industries served list naming technology among accounting, architecture, creative, dental, engineering, financial, medical and media; prior-acts coverage; claims-made structure; claims-notification steps · accessed 2026-09-23

  7. 07
    Insurance for Technology Companies

    HUB International · Technology Company Insurance & Risk Management introduction for startups, software, hardware and digital-media companies; technology-specific coverage list including professional liability/technology E&O; technology-client count claim · accessed 2026-09-23

  8. 08
    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

  9. 09
    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

  10. 10
    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

  11. 11
    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 ↗

HUB International

  • role: HUB brokers technology E&O as part of its general E&O practice, naming technology as one of the industries it serves, and separately markets it as one line within its dedicated technology-industry practice. E&O product page and technology-industry page as read 2026-09-23; neither names an issuing insurer.company-reportedSource ↗Source ↗
  • eligibility: HUB's technology-industry page addresses fast-growing startups and established software, hardware or digital-media businesses, and says HUB currently insures more than 5,000 technology companies; that count is a company-reported figure not independently verified here. Technology-industry page framing; not specific to technology E&O alone, since the page covers HUB's full technology insurance program.company-reportedSource ↗
  • coverage: HUB's general E&O page says policies typically cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful practices and misleading advice, and can be structured with prior-acts coverage back to a retroactive date and tail coverage for an extended reporting period. General E&O coverage description; the page does not give technology-specific coverage examples beyond listing technology as a served industry.company-reportedSource ↗
  • limits: HUB's E&O page says policies typically include per-claim and aggregate limits, but does not publish specific limit amounts for technology E&O. E&O product-page structure description; specific limits are set on the quote and declarations.not-disclosedSource ↗
  • insurer: Neither the E&O page nor the technology-industry page names an issuing insurer for technology E&O; HUB places this coverage with insurers that vary by client and placement. Checked both pages on 2026-09-23; no carrier is disclosed on either.not-foundSource ↗Source ↗
  • application: HUB directs prospects to connect with a broker; the E&O page describes policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. Product-page call to action as read 2026-09-23.company-reportedSource ↗

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