Corgi vs Newfront: Technology E&O Insurance

Newfront is a broker, so you request a consultation and its Tech E&O and Cyber team negotiates wording alongside cyber. Corgi sells stand-alone Tech E&O that can be quoted and bound online instantly.

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

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 ↗

Newfront

  • role: Newfront lists Technology Errors and Omissions (E&O) as one of the named coverages its Cyber Risk practice places, alongside cyber liability, data breach, business interruption, network security liability and cyber extortion coverage. Newfront brokers this coverage; it does not underwrite it. Cyber Risk page's Key Coverages list.company-reportedSource ↗
  • eligibility: The reviewed page markets the Cyber Risk practice broadly, without a technology-E&O-specific eligibility threshold; Newfront says its cyber team helps clients navigate "increased underwriting standards" as carriers evaluate applicants. Cyber Risk page's Our Approach introduction.company-reportedSource ↗
  • coverage: Newfront names its "Tech E&O and Cyber team" specifically and says that team "negotiates bespoke language to ensure the broadest terms available in the marketplace," indicating technology E&O is negotiated alongside cyber wording rather than sold as an off-the-shelf form; the reviewed page does not describe specific tech E&O exclusions or professional-services scope. Cyber Risk page's Subject Matter Expertise section.company-reportedSource ↗
  • insurer: The reviewed page does not name an insurer for technology E&O placements; as a broker, Newfront's carrier for this line would depend on the placement. Checked the Cyber Risk page for a named tech E&O carrier; none was found.not-foundSource ↗
  • limits: Newfront says its technology team provides "proprietary modeling data to make informed decisions on limits that align with your risk exposure and tolerance," but the reviewed page does not publish specific limit ranges, retentions or premium figures for technology E&O. Cyber Risk page's Subject Matter Expertise section; limit amounts are quote-specific.not-disclosedSource ↗
  • services: Newfront says it delivers risk assessment on cyber infrastructure and policy design, negotiates coverage and placement once a client is aligned with regulatory and carrier requirements, and provides "hands-on" claims consultation before and after a breach or claim, applied to the cyber-and-tech-E&O tower it services together. Cyber Risk page's Our Approach section; describes the cyber practice generally, applied to tech E&O as a listed coverage within it.company-reportedSource ↗
  • application: You engage Newfront's Cyber Risk practice for technology E&O placement by requesting a consultation, which asks for your industry, company details and the service you need rather than issuing an instant quote. General consultation intake, not a technology-E&O-specific application path.company-reportedSource ↗

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

Standard Instant Policy vs Negotiated Wording

Corgi sells Tech E&O as an instant-quote product and in startup packages, with a published list of base-form exclusions covering contract, IP and AI claims unless endorsed. Newfront doesn't write policies; its Tech E&O and Cyber team places Tech E&O through its Cyber Risk practice and negotiates bespoke language alongside your cyber wording. Choose Corgi if you're an early-stage startup that needs cover today and your contracts don't demand custom terms; choose Newfront if enterprise customers require specific wording or you want E&O and cyber designed together. [3] [4] [8]

Limits

Corgi shows illustrative limits of up to $1 million per claim and $2 million aggregate with a $10,000 retention, and defense costs reduce the limit. Newfront uses its own modeling data to recommend limits that match your exposure, but publishes no ranges. [4] [8]

Claims Help

Corgi doesn't describe risk-management or claims services for Tech E&O beyond glossary and FAQ content. Newfront consults hands-on before and after a breach or claim, and you start with a consultation rather than an instant purchase. [4] [8] [9]

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

  • Ask Newfront which insurer will issue your policy. [8]
  • Ask Corgi which endorsements reverse the contract, AI and IP exclusions, and whether you're with its risk retention group (a member-owned insurer) or a rated partner insurer. [4]
  • Compare Newfront's negotiated wording with Corgi's standard definitions of covered errors. [8] [4]
  • Compare Newfront's recommended limit with Corgi's $1 million/$2 million illustration. [8] [4]

Corgi lets startups buy a standard Tech E&O policy online instantly, with illustrative $1 million/$2 million limits, but contract, IP and AI claims are excluded unless you add endorsements. Newfront is a broker whose tech team negotiates custom wording alongside your cyber cover and models the right limit.

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
    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

  7. 07
    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

  8. 08
    Cyber Risk

    Newfront · Key Coverages to Protect Your Business: Technology Errors and Omissions (E&O); Subject Matter Expertise: "Tech E&O and Cyber team negotiates bespoke language to ensure the broadest terms available in the marketplace"; Our Approach: Coverage Negotiation, Claims Consultation; Leadership: Jennifer Wilson · accessed 2026-09-23

  9. 09
    Get Started Today

    Newfront · Consultation form: schedule a consultation to see how Newfront can reduce your risk · accessed 2026-09-23

  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

Ask Kearny Risk to help relate this comparison to your services and contracts.

Contact Kearny Risk