What Are the Key Differences Between Corgi and RiskCube Tech E&O Insurance?
Instant Quote on One Form vs a 24-Hour Market Scan
Corgi sells Tech E&O as an instant-quote policy on its own program. RiskCube is an independent brokerage that compares Tech E&O across insurers it does not name, for AI/ML, fintech, govtech, defense, space and Web3 companies; it asks for product, customer, revenue, SLA or indemnity details and prior claims, and usually quotes in about 24 hours. Choose Corgi if you want cover today and your contracts are simple; choose RiskCube if you are in one of its sectors or your customers impose heavy contract terms. [4] [3] [9] [8]
Narrow Base Form vs Contract and SLA Failures Covered
Corgi's standard policy excludes claims arising solely from contract or SLA failure, IP infringement, data-breach liability and AI-related claims unless you add endorsements. RiskCube describes cover for software errors, SLA or contract failures, client financial losses and related data loss plus defense, and lists common exclusions such as fraud, incidents known before binding, patent and other IP infringement, and insolvency. If you sign SLAs, a bare Corgi policy may miss the claims you are most likely to face. [4] [9]
AI Cover: Endorsement vs Excess Layer
Corgi sells an AI/algorithmic liability endorsement on its primary form. RiskCube says it can add excess cover for algorithmic bias or hallucination claims and checks the waiver-of-subrogation language enterprise contracts demand. [9] [4]
What Should You Confirm in Corgi and RiskCube Tech E&O Insurance Quotes?
- Ask RiskCube whether patent infringement is excluded on its proposed form; Corgi excludes IP unless endorsed. [9] [4]
- Ask Corgi whether your policy is issued by Technology Risk Retention Group, a member-owned insurer, or a partner insurer. [4]
- If a customer contract requires a waiver of subrogation, ask both to show it on the form. [9] [4]
- Corgi shows an illustrative $1 million / $2 million limit; ask RiskCube what limits it can get. [4] [9]