Corgi vs Vouch

Corgi and Vouch both sell to startups online, but one is the insurer and the other is a broker. Corgi writes much of its cover through its own insurers, including a risk retention group. Vouch places cover with outside carriers and advises on contracts, investors and claims.

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

Side by side

Corgi and Vouch compared
	Corgi	Vouch
What it is	Program administrator with its own insurers	Broker
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.	Places cover with carriers it describes as AM Best-rated but does not name. Hiscox agreed in August 2025 to buy Vouch’s underwriting agency (Corix) and its insurer (Vouch Insurance Company), and Vouch has a multi-year distribution agreement with Hiscox.
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.	“AI Insurance”, launched in January 2024, which Vouch describes as a specialized tech E&O policy covering AI errors, bias and discrimination, IP claims and defense costs for regulatory investigations. Vouch says it typically does not cover intentional misconduct, physical harm from AI hardware or cyber incidents. Limits are not published.
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.	Growing companies in technology (including AI, crypto, fintech and SaaS), healthcare and life sciences, professional services and financial services.
How you buy	Online application, quote and same-day binding, or a call with a specialist first.	Online application with licensed advisers. Vouch says over 80% of companies get a quote and buy within one business day.
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.	No price list, but its guides publish median premiums paid by its own clients: about $2,000 a year for tech E&O at a $1M limit, $2,755 for cyber and $6,000 for D&O.
Licenses	Corgi Insurance Services publishes producer license numbers for 49 states and DC; New Mexico is not on its list.	Vouch Specialty Insurance Services publishes property-casualty license numbers for all 50 states and DC, and surplus lines numbers for all but Georgia (NPN 19926463).
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. Raised $90M in September 2021 at a reported $550M valuation, taking the total to $160M, and $25M in March 2024, taking it to more than $185M.
Founded	2024 (Insurance Business; not stated on Corgi’s site), San Francisco	2018, San Francisco
Online reviews	Trustpilot: No reviews	Trustpilot: 3.5 from 5 reviews; G2: 4.7 from 3 reviews
Regulatory actions found	None found	None found

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’s sales company is the program administrator, not the insurer; cover comes from Corgi’s own insurers or unnamed partner carriers. Vouch says it is a broker, not a carrier or risk retention group. [1][2]
Corgi discloses that guaranty funds do not cover policies from its risk retention group, which has no AM Best rating. Vouch says it uses AM Best-rated carriers, but neither names its outside or partner carriers. [1][2]
Corgi adds a modular AI liability cover to its tech E&O. Vouch sells “AI Insurance” as a specialized tech E&O policy. Neither publishes limits. [1][2]
Corgi publishes planning prices for packages by funding stage and says most founders apply in under five minutes and are covered the same day. Vouch publishes median premiums its own clients pay for each line, and says over 80% of companies quote and buy within one business day. [1][2][3]
Vouch was founded in 2018. Corgi dates from 2024 and announced three rounds totaling $374M in the first five months of 2026. [1][2]

Which might suit you

Corgi may suit you if you want published price estimates and same-day online cover, and you are comfortable with an insurer that writes much of its business through a risk retention group.
Vouch may suit you if you want a broker placing you with established outside carriers, and advice beyond the policy itself.

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 Vouch 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 Embroker · all startup insurers side by side

Questions

Are Corgi and Vouch 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. Vouch is an insurance broker for startups and growing companies. It says it is not a carrier or a risk retention group.

Do Corgi and Vouch 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. Vouch: “AI Insurance”, launched in January 2024, which Vouch describes as a specialized tech E&O policy covering AI errors, bias and discrimination, IP claims and defense costs for regulatory investigations. Vouch says it typically does not cover intentional misconduct, physical harm from AI hardware or cyber incidents. Limits are not published.

Which is cheaper, Corgi or Vouch?

Both publish some price information, on different bases. 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. Vouch: No price list, but its guides publish median premiums paid by its own clients: about $2,000 a year for tech E&O at a $1M limit, $2,755 for cyber and $6,000 for D&O. 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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