Corgi: AI-Native Insurance Built for the Startup Economy

Corgi is a full-stack, AI-native insurance company purpose-built for startups, technology companies, and investment firms. Operating as a licensed direct carrier - not a broker or MGA - Corgi controls its own policy language, underwriting criteria, pricing, and claims process. That means faster coverage decisions, smarter underwriting, and a product suite that reflects how technology companies and fund managers actually operate.

Corgi serves two distinct but complementary markets: early and growth-stage technology companies that need comprehensive liability coverage designed for the modern startup, and investors that need a management liability program built around the structure and risk profile of fund management. Across both, Corgi's direct-to-carrier model eliminates the broker markup, the intermediary delay, and the coverage gaps that have historically made insurance a friction point rather than a business enabler.

The StartUp Line

Corgi's StartUp Line is a comprehensive suite of liability coverage built for technology companies from seed through enterprise scale. Each line has been underwritten to reflect the specific contractual, regulatory, and operational realities of software, AI, and technology businesses — not adapted from legacy commercial forms written for other industries.

Commercial General Liability provides foundational coverage for bodily injury, property damage, and personal and advertising injury — including libel, slander, copyright infringement in advertising, and privacy violations. For technology companies managing an increasing volume of client and vendor relationships, CGL is the baseline layer that enterprise customers require before a contract can close.

Cyber Liability covers the costs and third-party liability associated with network security breaches, ransomware, data privacy incidents, and the regulatory consequences that follow. Corgi's cyber underwriting is designed around the specific infrastructure and data-handling practices of software and AI companies — reflecting the actual risk profile of a cloud-native business.

Directors and Officers Liability protects the personal assets of founders, executives, and board members against allegations of wrongful acts in management — including claims by investors, creditors, and regulators. For venture-backed startups navigating cap table complexity and board dynamics, D&O allows leadership to make decisions without personal financial exposure hanging over every board meeting.

Employment Practices Liability covers claims arising from discrimination, harassment, retaliation, and wrongful termination. Corgi's EPL coverage reflects the employment structures of modern technology companies — distributed teams, contractor relationships, and the blurred lines between employees and advisors at early-stage organizations.

Technology Errors and Omissions covers defense costs and damages arising from claims that a technology product or service failed to perform as promised, caused a client financial loss, or resulted in a data or systems failure. For SaaS and AI product companies, Tech E&O is the professional liability layer that covers the gap between what the product was supposed to do and what actually happened.

Fiduciary Liability covers lawsuits tied to the management of employee benefit plans, protecting the individuals responsible for plan decisions from personal liability exposure under ERISA.

Media Liability covers content and intellectual property risks for companies operating digital platforms or publishing content at scale — including copyright infringement, defamation, and invasion of privacy claims arising from published material.

Hired and Non-Owned Auto covers liability from the use of non-company vehicles for business activities, filling the gap between personal auto policies and commercial fleet coverage.

Representations and Warranties Insurance covers transaction-specific risk in mergers, acquisitions, and investment transactions, protecting buyers and sellers against losses from breaches of representations and warranties in purchase agreements.

AI Coverage Endorsements

As artificial intelligence moves from an emerging capability to core infrastructure, the liability it creates has outpaced what standard tech E&O and cyber policies address. Corgi's AI Coverage Endorsement is a modular endorsement that attaches to the applicable coverage parts of the policy and addresses the specific claims arising from building and deploying AI systems.

The endorsement offers ten independently selectable coverage modules, each with its own per-claim limit, aggregate, and retention:

Algorithmic Bias Liability covers discrimination claims in pricing, selection, or decision-making caused by AI output — including fair lending, fair housing, and employment discrimination claims from model-driven decisions.

AI Intellectual Property Liability covers claims alleging unintentional IP infringement arising from AI systems, including copyright claims related to training data and model outputs.

Regulatory Investigation Defense Costs covers legal costs of responding to government investigations into AI conduct — FTC, state attorneys general, and sector-specific regulators implementing AI governance frameworks.

Hallucination and Defamation Liability covers claims alleging defamation or publication injury from inaccurate AI-generated content — the specific liability that arises when a model confidently outputs false statements about real people or organizations.

Training-Data Misuse Liability covers claims alleging unauthorized collection or use of personal or proprietary data in AI training sets, as the provenance of training data faces increasing legal scrutiny.

Data Poisoning and Adversarial Attack covers claims from malicious inputs that degrade model integrity or security, including prompt injection, adversarial examples, and deliberate corruption of training pipelines.

Service Interruption Liability covers losses sustained by clients from unplanned outages or failures of AI services provided by the insured, bridging the gap between standard tech E&O and the availability expectations embedded in AI-dependent workflows.

Bodily Injury and Property Damage from Autonomous AI covers claims for physical harm or property damage caused by AI-controlled systems, including robotics, autonomous vehicles, and AI-directed industrial or healthcare applications.

Deepfake and Synthetic Media Liability covers claims alleging privacy violation, impersonation, brand harm, or fraud from AI-generated synthetic media — including unauthorized likeness generation and voice cloning.

Civil Fines and Penalties covers monetary penalties from governmental authorities for violations of AI-specific laws or regulations where insurable — providing a coverage layer for the emerging regulatory environment around AI governance, including the EU AI Act and state-level AI liability frameworks.

Why work with us

Why Work With Us

Corgi was built on a simple premise: the companies building the future deserve an insurance company that keeps pace with them. The traditional model — brokers, legacy forms, opaque pricing, weeks-long quote cycles — was designed for a different era. For startups closing enterprise deals in days, AI companies deploying models into production before the regulatory landscape is fully mapped, and fund managers running complex multi-vehicle investment programs, that model creates risk rather than reducing it. Corgi eliminates that friction.

Direct-To-Carrier. No Intermediaries

Corgi is a licensed insurance carrier. When a client works with Corgi, they work directly with the company that underwrites, prices, and stands behind their coverage — not a broker whose interests may diverge at renewal, or an MGA routing every decision through a carrier that doesn't know the client's business.

This means Corgi moves faster: no intermediary approval process, coverage decisions made by people with direct accountability for the outcome. It means pricing is transparent — clients see the actual cost of their coverage without broker commissions or referral fees embedded in the premium. And it means policy language can be designed around the needs of technology companies and fund managers, not adapted from a legacy form written for a different industry and a different era.

Instant Certificates of Insurance

For startups actively closing enterprise contracts, producing a certificate of insurance quickly is a business requirement, not a convenience. Enterprise procurement teams routinely make contract execution contingent on evidence of insurance, and delays can stall a deal that has taken months to close.

Corgi clients can generate certificates of insurance in as little as fifteen minutes, directly from the platform — no support request, no waiting on a broker to respond. The certificate reflects actual policy terms, satisfies the specific requirements of the requesting party, and can be produced as many times as needed at no additional cost. For companies simultaneously closing multiple enterprise customers, responding to procurement requirements from partners, and managing a growing vendor ecosystem, this eliminates one of the most persistent operational friction points in the business.

Coverage Designed for AI Companies

The AI Coverage Endorsement is a direct response to a coverage gap that has opened as AI has moved from a feature into a foundational layer of how technology companies operate. The liability exposures created by AI — algorithmic bias, hallucinations, training data disputes, model failures, deepfakes, regulatory investigations — are not adequately addressed by standard tech E&O or cyber policies, and most carriers have responded with broad exclusions rather than purpose-built coverage.

Corgi has taken the opposite approach. The AI endorsement is modular and affirmative — companies configure it around their specific AI footprint, selecting the modules that reflect their actual deployment risks, with dedicated limits and retentions for each. A company deploying a recommendation algorithm has a different liability profile than a company building a synthetic media platform or an autonomous robotics system, and the endorsement is designed to reflect that specificity. For AI companies navigating regulatory scrutiny from the FTC, state attorneys general, EU regulators, and sector-specific oversight bodies, the regulatory investigation defense module provides a dedicated coverage layer for responding to government inquiries before they become formal enforcement actions.

Fund Management Expertise

The VC Management Liability Package reflects a level of engagement with fund management liability that most carriers simply do not have. Standard D&O policies typically exclude professional services — which means investment advice, capital call administration, LP reporting, and fund governance are not covered without specific endorsements. Standard crime policies typically do not extend to funds and SPVs, leaving investment vehicles exposed to fraud losses outside the policy. Standard EPL policies define employees in ways that exclude the GPs, managing members, venture partners, and operating partners who make up most of a VC firm's human capital.

The package addresses each gap systematically through nine purpose-built endorsements: SPV and co-investment vehicle coverage; regulatory investigation costs for SEC, CFTC, FINRA, DOJ, and state securities regulators; Investment Adviser Professional Liability; D&O VC adaptation covering the full fund firm personnel structure; Crime and Fidelity VC adaptation with social engineering and capital call fraud coverage; Outside Directorship Liability broadening; Fiduciary Liability VC carve-out; EPL VC alignment; and a Cryptocurrency and Digital Asset Exclusion with a carve-back for passive equity investments in digital asset portfolio companies.

Scale-Ready, And Built for the SVB Ecosystem

Corgi's coverage is designed to grow with the companies it insures. The policy a startup purchases at seed expands as the company grows — adding coverage lines, increasing limits, and incorporating endorsements as the risk profile evolves — without rebuilding a new program from scratch at every stage. For fund managers, a VC firm starts with a core management liability program and layers in endorsements as the fund structure matures, AUM grows, and GP exposure increases at close.

The companies and funds in the SVB ecosystem are moving fast, operating at the frontier of technology and capital formation, and managing contractual, regulatory, and structural complexity that demands an insurance partner who understands the territory. Corgi offers SVB clients a single destination for the full spectrum of liability coverage they need — from foundational startup lines that satisfy enterprise contract requirements, to AI-specific endorsements that address the liability profile of AI-native businesses, to the fund management liability program built for the VC firms that back them.