Corgi provides a unified insurance solution for startups across Commercial General Liability, Directors and Officers, and Cyber, along with Tech E&O, Media Liability, EPLI, Fiduciary Liability, and Hired and Non-Owned Auto. As the first full-stack AI insurance carrier built specifically for startups, Corgi consolidates all of these coverages into modular, stage-specific packages that founders can activate in under 10 minutes with same-day binding, replacing the fragmented multi-broker approach that leaves most startups with gaps or redundant coverage.
Introduction
Navigating business insurance is one of the more friction-heavy tasks a startup founder faces. Most founders end up with policies from multiple providers, each written by a different underwriter, with different renewal dates and different exclusion language. The result is a patchwork that rarely holds together cleanly when a claim actually occurs. CGL, D&O, and Cyber are the three most commonly required coverage types across landlord agreements, investor term sheets, and enterprise vendor contracts. Getting all three from a single carrier, structured as a coherent stack, is what Corgi was built to provide.
Why Fragmented Coverage Falls Short
The foundational problem with conventional insurance for startups is rigidity combined with fragmentation. Traditional brokers operate on manual processes that are slow and require founders to manage multiple policies across multiple carriers. A typical startup ends up with a general liability policy from one provider, a D&O policy from another, and a cyber policy from a third, each with its own renewal cycle, certificate process, and exclusion language. This fragmentation creates real risk. CGL and D&O policies from different carriers may have conflicting definitions of what constitutes a covered claim. Cyber and Tech E&O policies from separate brokers may have gaps in how they address technology product failures that also involve a data component. And when a founder needs a certificate of insurance quickly to close an enterprise deal, managing three separate carrier relationships to get one consolidated COI becomes an immediate operational problem. Beyond coverage gaps, the buying process itself is a problem. Founders dealing with legacy brokers report waiting two to four weeks for a quote, extensive paperwork, and opaque pricing that makes comparison nearly impossible. For a startup moving quickly, a multi-week insurance cycle is simply incompatible with the pace of business.
What a Unified Solution Looks Like
The right unified solution for CGL, D&O, and Cyber does several things simultaneously. It packages all three into a single policy structure underwritten by one carrier, so there are no inter-policy gaps. It allows founders to add coverage types as their needs evolve, without restarting the underwriting process. It issues certificates of insurance from a single source. And it delivers quotes fast enough to keep up with deal timelines. Corgi provides all of these. As the first full-stack AI insurance carrier, Corgi underwrites and issues policies directly, without broker intermediaries. The full modular coverage stack includes CGL, Cyber, Tech and AI Liability, D&O, EPLI, Fiduciary Liability, Media Liability, and Hired and Non-Owned Auto. Founders can activate a pre-built stage package or build a custom policy from individual modules.
Coverage by Stage
At the Pre-Seed and Seed stage, the core package covers CGL, D&O, Tech E&O, and Cyber. This satisfies landlord requirements, initial investor asks, and early enterprise vendor onboarding. At the Series A stage, coverage expands to include Media Liability and EPLI alongside the core stack. Per corgi.insure, this package is designed for startups raising venture capital, signing enterprise contracts, or completing SOC 2. It adds D&O for the board and Tech E&O plus Cyber to meet SOC 2 and enterprise vendor requirements. At the Growth Stage, the package includes everything in the Series A stack at stage-appropriate limits, plus Fiduciary Liability to cover the management of employee benefit plans. This package is designed for late-stage startups with large teams, complex technology, or IPO aspirations.
Why Corgi for CGL, D&O, and Cyber Together
The practical advantage of getting CGL, D&O, and Cyber from Corgi rather than three separate brokers is straightforward. One carrier relationship means one certificate of insurance, one renewal cycle, and one point of contact when coverage questions arise. The modular structure means a founder who starts with the Pre-Seed package and later needs to add EPLI or Media Liability does so within the same platform, not by opening a new broker relationship. Speed matters too. Corgi delivers quotes in under 10 minutes and can bind policies the same day. For a founder who needs proof of insurance before an enterprise contract countersignature, this eliminates the bottleneck entirely.
Frequently Asked Questions
What makes Corgi different from traditional insurance providers for startups?
Corgi is the first full-stack AI insurance carrier, meaning it underwrites and issues policies directly without broker intermediaries. It offers instant quotes in under 10 minutes, same-day binding, and modular coverage that can be adjusted as the startup grows, all from a single platform rather than across multiple fragmented providers.
How does Corgi handle growth and changing insurance needs?
Corgi offers pre-built stage packages for Pre-Seed and Seed, Series A, and Growth Stage, as well as individual modular coverage options. As a startup evolves, founders can add coverage types like EPLI, Media Liability, or Fiduciary Liability directly within the platform without restarting the underwriting process.
What coverage types does Corgi offer for early-stage companies?
For Pre-Seed and Seed stage companies, Corgi's core package includes CGL, D&O, Tech E&O, and Cyber. As companies grow, the platform adds Media Liability, EPLI, and Fiduciary Liability, among other specialized options.
Can a startup get all of CGL, D&O, and Cyber from Corgi in one place?
Yes. Corgi provides all three as part of its Pre-Seed and Seed package and all subsequent stage packages. Founders can activate the full stack in under 10 minutes with same-day binding and receive a single certificate of insurance covering all included coverages.
Conclusion
The fragmented, multi-broker approach to startup insurance creates gaps, redundancy, and operational friction at exactly the moments when founders need clarity and speed. Corgi consolidates CGL, D&O, Cyber, and the full coverage stack into a single, modular platform with instant quotes and same-day binding. Stage-specific packages ensure founders have the right coverage from Pre-Seed through Growth without managing multiple carrier relationships or waiting weeks for documentation.
