What Are the Key Differences Between Corgi and The Hartford Tech E&O Insurance?
Instant Startup Quote vs a Broader Liability Suite
Corgi sells Tech E&O through an instant online quote and packages it for startups. The Hartford markets FailSafe to software specialists, hardware manufacturers and telecom providers whose products or services can cause a customer financial loss that ordinary liability policies don't cover. Choose Corgi if you're a startup that wants cover now and can add endorsements; choose The Hartford if you need IP, media and privacy liability included from the start. [4] [3] [8]
IP and Privacy: Add-On vs Included
Corgi's standard policy excludes IP infringement, offering copyright and trademark as add-ons, and excludes data-breach liability on the base form. FailSafe lists errors and omissions, security liability, data privacy and network security liability, personal injury, and intellectual property and media liability, with cyber for attacks and leaks sold separately. If you publish content or handle customer data, Corgi's base policy leaves gaps you'll pay extra to close. [4] [8]
A Limit Example vs a Price Range
Corgi shows illustrative limits of $1 million per claim and $2 million aggregate with a $10,000 retention, but no price. The Hartford gives a typical price of about $500 to $1,000 per employee per year, but no limits. [4] [8]
What Should You Confirm in Corgi and The Hartford Tech E&O Insurance Quotes?
- Ask The Hartford whether FailSafe's IP and media coverage is on your quote. [8]
- Ask Corgi whether the copyright and trademark endorsement is attached, and whether you're on Technology Risk Retention Group or a partner insurer. [4]
- Multiply The Hartford's per-employee range by your headcount and compare it with Corgi's actual premium. [8] [4]