Corgi vs Relm: Technology E&O Insurance

Relm Insurance writes tech E&O as professional liability for software and tech-service firms, with a separate Fintech E&O product. Corgi sells a stand-alone policy you quote and bind online, with AI and IP cover available as 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 Relm Insurance Tech E&O Insurance?

Instant Startup Quote vs Broker-Placed Tech and Fintech Forms

Corgi sells Tech E&O as a standalone instant-quote policy and inside its startup packages. Relm sells through brokers, keeps Tech E&O separate from its cyber product, and offers a distinct Fintech E&O product because standard Tech E&O isn't always enough for fintech companies. Choose Corgi if you're a startup that wants cover today online; choose Relm if you're a fintech or blockchain company, or want a broker-placed form. [4] [3] [8]

Corgi's Base Form Has Gaps You Must Endorse Away

Corgi's standard policy excludes AI-related claims (an AI/algorithmic liability endorsement adds them back), claims based solely on breach of contract or SLA failure (unless you buy a carveback), and data-breach liability. If you sell AI features or promise uptime, the base quote may not respond. Relm lists missed contract obligations, poor service delivery and software glitches as covered, and names AI bias, model theft and data poisoning as exposures, though it publishes no form to check. [4] [8]

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

  • If you're a fintech, ask Relm whether the quote is Tech E&O or Fintech E&O. [8]
  • Ask Corgi whether the AI and contract/SLA endorsements are on your quote. [4]
  • Ask Relm which insurer issues the policy. Corgi's primary insurer is its own risk retention group (a member-owned insurer outside the state guaranty-fund system) unless you ask for rated paper. [8] [4]
  • Compare Corgi's $1 million / $2 million illustration with Relm's quoted limits. [4] [8]

Corgi lets startups buy Tech E&O instantly online at a $1 million/$2 million sample limit, but its base form excludes AI claims and pure contract or SLA failures unless you add endorsements. Relm sells through brokers and offers a separate Fintech E&O product for blockchain and regulatory risk.

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 and Technology Errors and Omissions

    Relm Insurance · What is Tech E&O Insurance?; Who Needs Cyber and Tech E&O Insurance?; What is Fintech Errors and Omissions Insurance? · accessed 2026-09-23

  9. 09
    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

  10. 10
    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 ↗

Relm Insurance

  • role: Relm markets Technology Errors and Omissions as professional liability for the technology sector, separate from the cyber liability product on the same page. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.company-reportedSource ↗
  • eligibility: Relm says a business is exposed if it delivers software or tech services, citing risks from AI models making biased decisions, model theft, or data poisoning as examples of the kinds of claims that can arise. Cyber and Tech E&O page framing; not a guarantee of eligibility for a particular company.company-reportedSource ↗
  • coverage: Relm says Tech E&O covers claims relating to inadequate service delivery or failure to meet contractual obligations, system failures or software glitches affecting customers' operations, and negligent advice, misrepresentation or failure to disclose product limitations, typically including legal defense fees, settlements and judgments. Cyber and Tech E&O page 'What is Tech E&O Insurance?' section; the issued policy and declarations control.company-reportedSource ↗
  • coverage: Relm says standard Tech E&O is not always sufficient for fintech companies and offers a distinct Fintech Errors and Omissions product addressing blockchain-related vulnerabilities and heightened regulatory scrutiny. Cyber and Tech E&O page 'What is Fintech Errors and Omissions Insurance?' section; a related but separate product.company-reportedSource ↗
  • coverage: Relm explicitly says there is some overlap between Tech E&O and cyber coverage, but having one does not protect a client from the exposures the other addresses. Cyber and Tech E&O page 'Who Needs Cyber and Tech E&O Insurance?' section.company-reportedSource ↗
  • insurer: The reviewed page does not name a specific issuing insurer for Tech E&O placements. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.not-disclosedSource ↗

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