Corgi's technology errors and omissions (tech E&O) policy covers claims that a mistake in your software or tech services cost a client money: a calculation bug, an outage after a bad deploy, an integration that corrupts a client's records. Corgi's own policy summary describes a claims-made form illustrated at up to $1M per claim and $2M aggregate, with defense costs inside that limit. The part founders tend to miss sits on the same page: AI-related claims and IP infringement are not in the standard form. They come back only through endorsements, and SLA credits stay out either way.
This is an independent guide from QuoteSweep, which maps the modern commercial insurance landscape. QuoteSweep is not affiliated with Corgi.
TL;DR: Corgi sells tech E&O, branded "Tech & AI Liability," as an instant-quote line for software, SaaS and AI companies. Its policy summary shows illustrative limits of $1M per claim and $2M aggregate, defense inside the limit and a required retroactive date. The standard form excludes AI-related claims, IP infringement and pure breach of contract; endorsements add some of that back. The primary underwriter, Technology Risk Retention Group, is not AM Best rated. Eligibility depends on your state, business class and underwriting. Good for a funded software company that needs a certificate this week, once you've checked the endorsements, retroactive date and paper.
What Corgi's tech E&O covers
Corgi's Tech E&O page (last reviewed April 24, 2026) names a form, shows illustrative limits and lists its own exclusions. That's more policy detail than we expected on a public page, and Corgi deserves credit for it. Corgi's caveat: the limits are illustrative and your issued policy may differ.
| Term | What Corgi's page shows |
|---|---|
| Form | CORG-EO-0100 (Technology E&O) |
| Trigger | Claims-made: the claim must be first made during the policy period |
| Per-claim limit | Up to $1,000,000 (illustrative) |
| Aggregate | Up to $2,000,000 per policy year (illustrative) |
| Retention | $10,000 per claim shown; your actual figure is on the declarations |
| Defense costs | Inside the limit |
| Retroactive date | Required; set on the declarations |
The trigger is a "wrongful act": an error, omission or negligent act in performing your technology services or delivering your technology products, excluding intentional misconduct, fraud and crime. Corgi's three examples are an analytics bug that leads a retail client to over-order $500K of inventory, a routine code update that causes a 48-hour SaaS outage, and a custom ERP integration that corrupts three months of a client's financial records. All three are financial harm with no physical damage, which is what tech E&O exists for.
"Technology services" is a defined term. Corgi lists consulting, development, integration, hosting, maintenance and support, and tells you to check your declarations to confirm your actual services match. That matters for dev shops whose work spills into design or data projects.
What the standard form leaves out
Corgi sends bodily injury to general liability, data breaches to cyber, defamation to media liability and employment disputes to EPLI. Three more exclusions matter to software companies:
- Claims arising solely from breach of contract, such as a missed SLA. A narrow exception may cover the negligence behind a contractual failure if it would have created liability without the contract, but SLA penalties, liquidated damages, credits and refunds stay excluded.
- Intellectual property infringement.
- AI-related claims.
That last one deserves attention if you ship anything model-driven. Corgi's menu links "AI Liability" and "Tech E&O Insurance" to the same page, and the product card says "Tech & AI Liability." The AI part is an add-on.
The endorsements are where AI and IP cover live
Corgi lists four endorsements, with availability varying by jurisdiction and underwriting:
- AI and Algorithmic Liability (CORG-TECH-0038). You pick modules, each with its own limit and retention, and only those apply. Options include algorithmic bias, hallucination and defamation, training-data misuse, data poisoning, autonomous-AI bodily injury, deepfakes, service interruption, AI intellectual property, regulatory investigation defense and civil fines where insurable.
- Copyright and Trademark Infringement. Patent and trade-secret claims stay excluded.
- Breach of Contract / SLA Carveback. Adds cover for a client's actual business losses when an SLA breach stems from a covered wrongful act. Penalties, liquidated damages, credits and refunds are still out.
- Subcontracted Technology Services. For work done by freelancers, offshore teams or third-party integrators.
For an AI company, the endorsement schedule, and which modules are on it, matters more than the headline limit on the base policy.
Where Corgi's own pages disagree
Corgi's SaaS page FAQ says tech E&O protects against "SLA breach penalties," while the policy page says those penalties are excluded even under the carveback. A September 2026 Corgi blog post on LLM products says its coverage handles hallucination damages and training-data provenance, while the policy page puts AI-related claims outside the standard form. Corgi's AI page is the careful one: hallucination cover may sit inside tech E&O, subject to terms, exclusions, limits and endorsements.
The policy page settles it: where a summary and the policy conflict, the policy controls. Get the endorsement schedule in writing.
Who it's built for
Corgi's guide to tech E&O for startups names its buyers: B2B SaaS, AI companies providing models, agents or decision tools, developer platforms and APIs, fintech and payments software, marketplaces, and startups doing implementation or professional services. The usual triggers are a contract that requires E&O, a procurement request for a certificate of insurance, a first enterprise MSA, paid implementation work, new SLAs, or wiring your AI stack into critical systems such as billing, identity or security.
Tech E&O is in every one of Corgi's stage packages. Per its startup insurance page, the Pre-Seed & Seed package pairs it with general liability, D&O and cyber; Series A adds media liability and EPLI; Growth adds fiduciary liability. A Custom package lets you pick lines individually, so you are not forced into the bundle.
The site is organized around funded startups, with packages named after rounds. A bootstrapped agency or solo developer isn't ruled out anywhere on Corgi's pages, but nothing is written for them either; they'd face the same application and underwriting. Independent consultants may find our guide to professional liability for IT consultants a closer fit.
Eligibility is decided per application
Corgi's catalog is not a promise that you can buy any of it. Its disclosures say coverage is subject to underwriting approval, availability varies by jurisdiction and not all products are available in all states. Its disclaimers page adds that quoted premiums are estimates that can change after underwriting review, and that admitted paper depends on state, line of business and risk. Your state, your business class, and what the application shows about your contracts and data all decide whether you get a quote and on what terms.
Check your state, too. Corgi's producer license table lists 49 states and the District of Columbia, with New Mexico absent, while the disclaimers page says the group's producers are licensed in 45 U.S. jurisdictions. The two figures don't match, so confirm your state directly.
How buying works, per Corgi's site
Self-serve starts at Get insured, where you pick "Startups & Technology." Corgi's homepage previews the application's financial step: trailing and projected 12-month revenue, funding raised and date, and optional financial statements. Corgi says most founders finish in under five minutes, get quoted in minutes, pay online and bind the same day. Tech E&O is one of its "instant quote" lines; specialty policies take 1 to 14 days.
The alternative is a 30-minute demo call, which Corgi says it offers any day of the week, weekends included.
Corgi's tech E&O guide says underwriting looks at what you sell (SaaS versus services), your SLAs and indemnities, your data handling and how you deploy. The SaaS page says Corgi can issue compliant COIs and endorsements within hours. What the pages don't say is whether the endorsements, the AI modules especially, come through the instant quote or need a conversation. Ask.
Who is on the paper
You buy from Corgi Insurance Services, Inc., a licensed producer (CA license #6012791) that Corgi describes as the program administrator, not the insurer. The carrier on your policy is named in your policy documents.
For tech E&O, that carrier is primarily Technology Risk Retention Group, Inc. (TRRG), a federally chartered risk retention group. TRRG is not rated by AM Best, and Corgi notes that roughly four in five U.S. risk retention groups are unrated. Corgi also discloses that state insolvency guaranty funds are not available for policies issued by a risk retention group.
Where a contract calls for rated or admitted paper, Corgi says it can source tech E&O through partner carriers rated A- (Excellent) or better by AM Best, subject to eligibility. Its site also names an affiliated admitted carrier, Corgi Insurance Company, Inc. (NAIC #17989).
Our Corgi profile goes deeper on the group structure and what a risk retention group means for a buyer.
Claims
Corgi's homepage promises a direct line to its claims team, with no phone trees. Its disclaimers say affiliated claims operations staffed by licensed adjusters, or third-party administrators, handle claims, and your policy documents name which one.
Price
Corgi publishes no standalone tech E&O price, only package ranges, and two of its pages disagree. The homepage FAQ says eligible pre-seed and seed startups often pay $2,000 to $5,000 a year and Series A companies $5,000 to $15,000. Corgi's March 2026 cost-by-stage post puts a seed package with $1M limits for general liability, tech E&O and cyber at $2,000 to $4,000, and Series A at $10,000 to $25,000 or more. Treat both as rough bundle bands. Our tech startup insurance cost guide has third-party benchmarks for tech E&O on its own.
What to check before you buy
Limits against your contracts
Corgi's SaaS page says enterprise procurement typically wants $1M to $5M minimum limits across cyber, tech E&O, general liability and hired and non-owned auto, with the customer as additional insured. The tech E&O page illustrates $1M per claim. If your MSA asks for $3M, find out what Corgi will write on your risk before you sign. Defense costs also erode the limit: Corgi's own example is a $2M limit with $500K spent on lawyers, leaving $1.5M.
The retroactive date
On a claims-made policy, the retroactive date is the earliest date of work the policy covers. The Hartford's tail coverage explainer notes it can reach back before your policy's effective date. Corgi's glossary says a first tech E&O policy's retroactive date is typically the inception date, so if you shipped code for two years without E&O, that earlier work is likely outside the policy. Switching insurers? Ask for your existing retroactive date to carry over. Our occurrence vs claims-made guide explains the mechanics.
Tail coverage
An extended reporting period, or tail, gives you extra time to report claims for work done while the policy was active. Corgi lists it as an optional add-on for anyone switching carriers or winding down, and The Hartford notes it's typically available only for a set time after the policy expires. If an acquisition is plausible, ask what a tail costs and how long it runs.
Your contract language
Read your MSA's insurance clause before you apply. If it requires an insurer rated A- or better, a TRRG policy won't meet it. Corgi's own guide warns that broad warranties or unlimited liability in a customer contract create gaps no policy can fix, and its cost guide recommends clear scopes of work and a strong limitation of liability clause.
Exclusions, endorsements and settlement terms
Match endorsements to how you build: the AI modules if you use models, the subcontracted services endorsement if contractors write your code, the carveback if you sign heavy SLAs. Corgi's page also notes a consent-to-settle provision: refuse a settlement the insurer recommends and your share of later costs may rise. And check the form number on your declarations, since Corgi's page cites CORG-EO-0100 in one place and CORG-TECH-0500 in another.
How it compares
For how tech E&O works across insurers, read our tech E&O buyer's guide. The structural difference is that Corgi primarily writes tech E&O through its own affiliated risk retention group, where a broker shops unaffiliated insurers. You get speed and one counterparty; you give up rated paper by default and someone comparing markets for you.
Corgi pairs tech E&O with cyber in every stage package, and its SaaS page says an outage caused by a cyberattack may involve both. But Corgi's cyber page shows a standard form (CORG-CY-0100) covering third-party claims only. Forensics, breach notification, credit monitoring and business interruption are endorsements, and regulatory proceedings are excluded. So the bundle can still leave your own breach costs uncovered. See our cyber liability glossary entry for the first-party versus third-party split.
If AI exposure is the main reason you're shopping, a bundled startup program may be the wrong shape. Our Corgi alternatives page compares three AI-focused options, and Corgi vs Testudo sets Corgi against a standalone, Lloyd's-backed generative AI liability policy.
Frequently Asked Questions
Does Corgi's tech E&O cover AI hallucinations?
Not under the standard form, which Corgi says excludes AI-related claims. Hallucination and defamation cover is one module of its AI and Algorithmic Liability Endorsement (CORG-TECH-0038), and only the modules you select apply, each with its own limit and retention.
What limits does Corgi offer for tech E&O?
Corgi's policy page illustrates up to $1M per claim and $2M aggregate, with a $10,000 retention and defense costs inside the limit, and says your issued policy may differ. Confirm the limit you can get before signing a contract that needs more.
Is Corgi's tech E&O on AM Best rated paper?
By default, no. The primary underwriter, Technology Risk Retention Group, is not rated by AM Best, and state guaranty funds don't back risk retention group policies. For contracts that require rated or admitted paper, Corgi says it can use partner carriers rated A- or better, subject to eligibility.
Does Corgi's tech E&O cover SLA breaches?
Only partly. The standard policy excludes pure breach-of-contract claims, including missed SLAs, with a narrow exception for underlying negligence. The SLA Carveback endorsement broadens that, but penalties, liquidated damages, service credits and refunds stay excluded.
How fast can I get a Corgi tech E&O certificate?
Corgi says most founders finish its application in under five minutes, bind the same day and can generate a certificate in the same session. Quotes are estimates, and coverage is subject to underwriting approval.
Can any software company buy it?
Not automatically. Coverage is subject to underwriting approval, availability varies by jurisdiction, and Corgi's license table lists 49 states plus DC, without New Mexico. Each application is reviewed on its own facts.
The bottom line
Corgi's tech E&O suits a funded software or SaaS company that needs a certificate fast, wants tech E&O and cyber from one place, and has no contract demanding A- rated paper. Corgi publishes a lot of its policy structure, and it rewards a close read, because the page itself tells you the base form leaves out AI claims, IP infringement and SLA penalties. If you build on models, the endorsement schedule is the real product. Get it in writing, confirm your retroactive date and paper, and check your state before you bind.
