Corgi Insurance

Corgi Insurance (also referred to as Corgi; sites corgi.com and corgi.insure) is a San Francisco-based insurance company that sells commercial insurance directly to startups and technology companies. It describes itself as a full-stack, AI-native carrier rather than a broker: it underwrites, prices, issues, services, and administers claims on its own policies, coordinating underwriting, policy design, servicing, and claims administration in one place [0][1][2][4]. Third-party profiles characterize it as a licensed carrier/MGA whose underwriting, claims, and policy administration run on large language models [4][7]. One report states the company uses a Risk Retention Group structure, in which customer premiums are pooled to pay claims without state guaranty fund backing [6].

Coverage is modular and packaged by company funding stage: a pre-seed/seed package (CGL, D&O, Tech E&O, Cyber), a Series A package (adding Media and EPLI), a growth-stage package (adding Fiduciary), and a custom package that additionally includes Hired and Non-Owned Auto [0][1]. Corgi's launch materials and reviews also list Employment Practices Liability, Representations & Warranties, and an AI liability line covering losses caused by AI agents or models [2][7]. Buyers can either self-serve — completing an online application, receiving a quote in minutes, and binding the same day — or book a demo with a licensed specialist for more complex situations [0][1][4].

Beyond insurance, reporting states that Corgi operates Corgi Cafe, a 24/7 coffee shop concept aimed at founders and builders, with locations in San Francisco and Atlanta and additional sites planned, and that it also sells data-room software [3][6][7]. The company was founded in 2024 by Nico Laqua (CEO/CTO) and Emily Yuan (COO) and went through Y Combinator's Summer 2024 batch [2][7].