Corgi vs Startupinsurance: Technology E&O Insurance

Corgi quotes Tech E&O instantly online, but its base policy won't pay claims arising solely from breach of contract or SLA failure unless you buy a carveback endorsement; StartupInsurance.ai is a startup broker whose free policy check reads your accuracy warranties and uptime promises against the policy before you bind.

Sources reviewed

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
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
03
Terms and Conditions
ContractorNerd · Section 2, Insurance Services: “ContractorNerd is an insurance agency/insurance producer... not an insurance company, does not underwrite insurance” · accessed 2026-09-23
04
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
05
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
06
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
07
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
08
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
09
Apply for Startup Insurance | StartupInsurance.ai
StartupInsurance.ai · Coverage-selection screen: Tech Errors & Omissions — “Covers claims from your tech products or services failing” · accessed 2026-09-23
10
Startup Insurance | Coverage that clears the review
StartupInsurance.ai · Wording that still says yes (accuracy warranties/uptime promises and tech E&O forms; “One major carrier added a blanket AI exclusion to D&O, E&O and fiduciary”); Coverage: What we place; The free policy check · accessed 2026-09-23
11
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
12
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

What Are the Key Differences Between Corgi and StartupInsurance.ai Tech E&O Insurance?

Instant Quote With a Known Contract Gap vs a Contract Check Before You Bind

Corgi quotes Tech & AI Liability instantly online and includes it in startup packages. Its standard policy excludes claims arising solely from breach of contract or SLA failure; you can buy a contract/SLA carveback endorsement to add them back. StartupInsurance.ai is a broker (ContractorNerd Insurance Services, LLC arranges the policy) with a Tech E&O box on its online quote form. It says most tech E&O forms leave out accuracy warranties and uptime promises, and its free policy check flags where your contracts promise something the policy doesn't cover. Choose Corgi if you want cover today and will add the carveback; choose StartupInsurance.ai if you have enterprise contracts with SLAs and want them reviewed before you buy. [5] [4] [10] [3] [9]

What Should You Confirm in Corgi and StartupInsurance.ai Tech E&O Insurance Quotes?

Bring your master service agreements to StartupInsurance.ai's policy check, and ask Corgi whether the contract/SLA carveback is on your quote. [10] [5]
Ask StartupInsurance.ai which insurer issues its Tech E&O. [10]
Ask Corgi whether your policy is written by Technology Risk Retention Group (an insurer owned by its policyholders) or an affiliated partner rated A- or better. [5]
If your product uses AI, ask StartupInsurance.ai whether the blanket AI exclusion it has seen on some renewals applies, and ask Corgi whether its AI endorsement is attached. [10] [5]

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 ↗

StartupInsurance.ai

role: StartupInsurance.ai's coverage list places "Tech E&O and Professional Liability" as one program line, and ContractorNerd Insurance Services, LLC arranges it as agent/broker of record rather than underwriting it. Homepage coverage list and ContractorNerd's terms and conditions on its producer role; the page bundles tech E&O with professional liability in this one catalogue entry rather than describing them separately.company-reportedSource ↗Source ↗
coverage: StartupInsurance.ai says most tech E&O forms leave out coverage for accuracy warranties and uptime promises that a startup takes on by signing a customer contract, and that it reads customer contracts against the tech E&O policy before binding to catch that gap. Homepage "wording that still says yes" section; describes a general gap the brokerage says it looks for, not the terms of a specific StartupInsurance.ai-placed tech E&O policy.company-reportedSource ↗
coverage: StartupInsurance.ai says one major carrier added a blanket AI exclusion to "D&O, E&O and fiduciary" forms at renewal; the page does not specify whether "E&O" here means technology E&O, professional E&O, or both. Homepage "wording that still says yes" section; the E&O reference is ambiguous between the two E&O lines the program sells, so this claim is not conclusively tech-E&O-specific.company-reportedSource ↗
insurer: The homepage's carrier panel does not identify which panel carrier underwrites tech E&O placements; the reviewed pages do not disclose a specific insurer for this line. Homepage carrier panel; the panel is program-wide, not broken out by coverage line.not-disclosedSource ↗
application: "Tech Errors & Omissions" is one of seven boxes on StartupInsurance.ai's online quote-intake screen, described there as coverage for "claims from your tech products or services failing." The same screen shows no separate box for general professional liability. Initial coverage-selection screen of the quote application; the absence of a distinct professional-liability box shows how the flow packages this line, not that professional liability is unavailable.company-reportedSource ↗
services: StartupInsurance.ai's free policy check reads a startup's customer contracts against its tech E&O wording, flagging places where the contract promises something (like an accuracy warranty) the policy doesn't cover. Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's tech E&O policy.company-reportedSource ↗