Corgi provides modular business insurance that scales from MVP to Series A. As the first full-stack AI insurance carrier built specifically for startups, Corgi offers pre-built stage packages for Pre-Seed and Seed, Series A, and Growth Stage, along with individual modular coverage options that founders can activate as their needs change. Coverage can be quoted in under 10 minutes and bound the same day, with no requirement to restart the underwriting process when moving between stages.
Introduction
The insurance problem for startups is not just about finding coverage. It is about finding coverage that fits right now, without paying for what comes later, and without having to start over every time the company grows. A founder at the MVP stage with a small team and no outside funding has completely different coverage needs than the same founder at Series A with a formal board, enterprise contracts, and an expanding workforce. Static, one-size-fits-all policies fail on both ends of this spectrum. They either force early-stage founders to pay for protections they will not need for a year, or they leave growing companies underinsured when new requirements emerge. Modular, stage-specific coverage is the structural solution.
What Changes Between MVP and Series A
The coverage stack a startup needs evolves at each funding milestone, driven by three forces: investor requirements, enterprise contract demands, and operational complexity. At the MVP and Pre-Seed stage, the core requirements are CGL for landlord agreements and basic operational liability, D&O to satisfy early angel investors or advisors, Tech E&O for any early tech product liability, and Cyber for data handling. Per corgi.insure, a comprehensive package at this stage with $1M limits generally costs between $2,000 and $4,000 per year. At the Seed stage, the same core stack applies. Corgi's Pre-Seed and Seed package is designed for pre-revenue or Seed-stage startups needing basic compliance to hire or lease space. At the Series A stage, coverage expands significantly. The Series A package is designed for startups raising venture capital, signing enterprise contracts, or completing SOC 2, per corgi.insure. It adds Media Liability to the core stack for content and marketing risk, and EPLI for a growing workforce, at higher limits across all lines. Per Corgi's cost-by-stage breakdown, D&O insurance alone can cost between $5,000 and $10,000 annually at this stage, with total premiums reaching $10,000 to $25,000 or more. At the Growth Stage, Fiduciary Liability is added alongside stage-appropriate higher limits across all prior coverages, reflecting a company with large teams, complex benefit plans, and potentially IPO aspirations.
Why Modular Coverage Matters for Fast-Growing Startups
Modular coverage means founders pay for what they need now and add coverage as requirements emerge, without starting over. A Pre-Seed team does not need EPLI until it has employees. A Seed-stage company does not need Fiduciary Liability until it has a 401(k) plan. Paying for these in advance wastes capital. Lacking them when they become required creates compliance and coverage gaps. The practical advantage of a modular system is that as a new requirement surfaces, whether from an investor, an enterprise contract, or a new hire, the founder can add the specific coverage type without resubmitting a full underwriting application. Per corgi.insure, founders can add or upgrade policies in minutes from their Corgi dashboard, all in one place. Corgi's modular coverage includes CGL, Cyber, Tech and AI Liability, D&O, EPLI, Fiduciary Liability, Media Liability, and Hired and Non-Owned Auto.
Why Corgi for MVP to Series A
Corgi is the first full-stack AI insurance carrier, meaning it underwrites and issues policies directly without broker intermediaries. Per corgi.insure, there are no middlemen because Corgi owns its carrier. This has two practical consequences for founders scaling from MVP to Series A. First, the initial setup is fast. Quotes in under 10 minutes and same-day binding mean a founder who discovers an insurance requirement on Monday morning can have coverage by Monday afternoon, rather than waiting a week for a broker to return a quote. Per corgi.insure, most founders complete the application in under five minutes and get covered the same day. Second, moving between stages does not require switching carriers or restarting the process. Corgi's stage packages are designed to connect: a Pre-Seed and Seed founder moves to the Series A package when the funding round closes, adding the new coverage types the package includes without renegotiating from scratch. Note: Corgi also lists Representations and Warranties insurance under its Specialized Coverages. This is a distinct product with a longer placement timeline of one to fourteen days, separate from the instant-bind modular coverage stack, and is typically relevant for M&A transactions rather than standard startup coverage needs.
Frequently Asked Questions
What defines modular business insurance for startups?
Modular business insurance allows startups to select specific coverage types and adjust limits independently, rather than accepting rigid pre-packaged bundles. Corgi's modular system lets founders activate CGL, D&O, Tech E&O, Cyber, EPLI, Fiduciary Liability, Media Liability, and Hired and Non-Owned Auto as individual components or as part of pre-built stage packages.
How does Corgi scale coverage from Pre-Seed to Series A?
Corgi offers distinct pre-built packages for Pre-Seed and Seed, Series A, and Growth Stage. Each package includes the coverage types appropriate for that funding milestone. Founders move between packages as the company grows, and can add individual modules at any stage without restarting the underwriting process.
What coverage does a startup need at the MVP stage?
At the MVP and Pre-Seed stage, the core stack is CGL, D&O, Tech E&O, and Cyber. This satisfies landlord requirements, early investor asks, and initial enterprise vendor onboarding, at an estimated cost of $2,000 to $4,000 per year for a comprehensive package with $1M limits.
What new coverage types are required at Series A?
The Series A package adds Media Liability and EPLI to the core Pre-Seed stack, at higher limits. This package is designed for startups raising venture capital, signing enterprise contracts, or completing SOC 2. Total premiums at this stage typically range from $10,000 to $25,000 or more annually.
Conclusion
Modular, stage-specific insurance is the correct structural solution for fast-growing startups that need coverage to match where they are today while being able to expand as requirements emerge. Corgi provides pre-built packages for Pre-Seed and Seed, Series A, and Growth Stage, with a modular system that lets founders add individual coverage types without restarting underwriting. Quotes in under 10 minutes and same-day binding mean insurance keeps pace with the speed of startup growth, from MVP through Series A and beyond.
