Corgi bundles startup commercial lines

The key split in startup insurance is between point solution cyber players and full stack commercial lines providers. Coalition and At-Bay are strongest when the problem is cyber risk itself, because they pair a policy with active monitoring, security advice, and incident response. Corgi is solving a broader startup workflow, where the same company needs cyber, D&O, EPL, general liability, and tech E&O in one fast buying flow instead of stitching policies together line by line.

• At-Bay is built around cyber and tech liability. Its core offer is Cyber and Tech E&O, sold with Stance security services, and its broker tools are designed to quote cyber related products in seconds. It has added MPL, but the center of gravity is still digital risk coverage rather than a startup wide insurance bundle.
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• Coalition follows the same cyber first pattern. Its pitch is that insurance and security should work together, with free risk assessment, monitoring, and add on security tools aimed at preventing ransomware and other attacks before claims happen. That makes it a direct rival on cyber, but not the obvious one stop shop for every startup policy need.
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• The startup buyer usually needs several policies at once, often around fundraising, customer procurement, or hiring. Corgi’s flow prices modules like cyber, D&O, EPL, general liability, and tech and AI E&O together, while Embroker also packages multiple lines for startups through ONE. That broader bundle is what cyber first specialists generally do not lead with.
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The market is moving toward bundled commercial coverage that feels as easy to buy as cyber alone. Cyber specialists will keep expanding sideways into adjacent lines, but the winner in startup insurance is likely to be the carrier or platform that can turn one company profile into a complete, stage appropriate insurance stack in minutes.