Corgi vs Embroker

Both sell startup insurance online with AI wording on tech E&O. Corgi underwrites through its own insurers and publishes price estimates; Embroker acts as your broker, sells its own programs and adds an AI endorsement with a published sublimit for algorithm removal.

Read from each company’s own pages, checked 22 October 2026. We take no commissions from either.

Side by side

Corgi and Embroker compared
	Corgi	Embroker
What it is	Program administrator with its own insurers	Digital broker with its own programs
Who underwrites	Policies are written by Corgi’s own insurers, Corgi Insurance Company (an admitted carrier, NAIC 17989) and Technology Risk Retention Group, which Corgi calls its primary underwriting entity, or by partner carriers Corgi says are rated A- or better by AM Best but does not name.	Some of its own programs are underwritten by Everspan, a partnership Embroker announced in October 2024. Its FAQ says policies are issued by their respective carriers without naming them all.
AI cover	A modular AI liability add-on to its tech E&O policy, reported to cover biased or inaccurate outputs, harmful generated content, misuse of training data and adversarial attacks. Limits are not published.	An Artificial Intelligence Coverage Endorsement, added automatically to eligible tech E&O and cyber quotes. It confirms AI-delivered services count as tech services and covers AI discrimination claims, defense costs for regulatory investigations and algorithm removal expenses up to $150,000. The page shows an effective date of 5 August 2025; Embroker’s announcement is dated 26 May 2026.
Who it is for	Startups and tech companies from pre-seed to growth stage, including SaaS, AI, fintech, crypto, marketplaces, health tech and data centers.	Funded startups and tech companies, plus law firms, VC and PE firms, financial services, real estate agents and consultants.
How you buy	Online application, quote and same-day binding, or a call with a specialist first.	Online quote and purchase, with licensed brokers for some cover. Other brokers can sell its products through Embroker Access.
Published prices	Publishes planning estimates: $2,000 to $4,000 a year for eligible early-stage startups at $1M limits for general liability, tech E&O and cyber, and $10,000 to $25,000 or more at Series A. A Corgi blog post gives different ranges.	Not published
Licenses	Corgi Insurance Services publishes producer license numbers for 49 states and DC; New Mexico is not on its list.	Lists license numbers by state without naming the licensed company. It says it is licensed in all 50 states and DC, but Rhode Island is not on its list.
Ownership and funding	Venture-backed and independent. Announced $108M across its seed and Series A rounds in January 2026, a $160M Series B at a $1.3B valuation on 7 May 2026 and a $106M Series B1 at $2.6B on 28 May 2026, both led by TCV; Corgi puts its total raised at $378M. A further extension was reported from July 2026 at a valuation of $4B to about $5.2B; we found no confirmation from Corgi.	Venture-backed. Its last announced round was a $100M Series C led by FTV Capital in June 2021, taking the total raised to more than $140M.
Founded	2024 (Insurance Business; not stated on Corgi’s site), San Francisco	2015, San Francisco
Online reviews	Trustpilot: No reviews	Trustpilot: 2.9 from 2 reviews; G2: 5.0 from 1 review
Regulatory actions found	None found	Texas Department of Insurance consent order, 2 December 2025: Embroker Insurance Services filed 2024 surplus lines policies late and paid the assessed fees late. Penalty $1,225. Order

Corgi: Corgi discloses that state guaranty funds, which pay claims if an insurer fails, do not cover policies issued by a risk retention group, and that its risk retention group has no AM Best rating.

The differences that matter

Corgi writes cover through its own insurers, an admitted carrier and a risk retention group, or partner carriers. Embroker becomes your broker on purchase and sells programs of its own, some underwritten by Everspan. [1][2]
Embroker’s AI endorsement publishes one figure, algorithm removal expenses up to $150,000. Corgi publishes no limits for its AI module. [1][2]
Corgi publishes planning prices; Embroker’s pages that we read show none. [1][2]
Embroker was founded in 2015 and last announced funding in 2021. Corgi dates from 2024 and announced three rounds totaling $374M in 2026. [1][2]
Embroker also serves law firms, VC and PE firms, real estate agents and consultants. Corgi focuses on startups and tech companies, and is expanding into other lines such as trucking. [1][2]

Which might suit you

Corgi may suit you if you want price estimates up front and are comfortable with Corgi’s own insurers, including its risk retention group.
Embroker may suit you if you want a broker relationship and an AI endorsement with at least one published sublimit.

Whichever you choose, ask who the insurer is on each policy, its financial rating, and the limits and exclusions on the AI wording. See what AI startup insurance costs for published price data. Our AI clause scanner flags AI exclusions in policy text, and the underwriting questions checklist shows what you will be asked.

Other options

Corgi and Embroker are two of several providers on our register that sell AI cover. Specialist AI liability policies, such as those from Armilla and Testudo, are sold mainly through brokers. See insurance for AI startups for what to buy at each stage, or the full register.

More comparisons: Vouch vs Embroker · Corgi vs Vouch · all startup insurers side by side

Questions

Are Corgi and Embroker insurers or brokers?

Corgi sells its own startup insurance online. Its sales company, Corgi Insurance Services, says it is a licensed producer acting as program administrator, not the insurer. Embroker calls itself a digital-first insurance company. It becomes your broker when you buy, and also sells its own insurance programs.

Do Corgi and Embroker cover AI risks?

Both sell AI cover. Corgi: A modular AI liability add-on to its tech E&O policy, reported to cover biased or inaccurate outputs, harmful generated content, misuse of training data and adversarial attacks. Limits are not published. Embroker: An Artificial Intelligence Coverage Endorsement, added automatically to eligible tech E&O and cyber quotes. It confirms AI-delivered services count as tech services and covers AI discrimination claims, defense costs for regulatory investigations and algorithm removal expenses up to $150,000. The page shows an effective date of 5 August 2025; Embroker’s announcement is dated 26 May 2026.

Which is cheaper, Corgi or Embroker?

Corgi: Publishes planning estimates: $2,000 to $4,000 a year for eligible early-stage startups at $1M limits for general liability, tech E&O and cyber, and $10,000 to $25,000 or more at Series A. A Corgi blog post gives different ranges. Embroker does not publish prices. Published figures are not quotes: get quotes from both for the same limits and retentions. Our cost guide gathers the published figures.

Do you earn a commission from either?

No. We do not sell insurance, take commissions or accept payment for placement or ranking. Every fact here comes from the companies' own pages or a named source.

Sources

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