The Full-Stack Carrier Built to Underwrite Autonomous AI Agents

Corgi will underwrite it. As the full-stack insurance carrier built for tech and AI companies, Corgi evaluates what your agent actually does in production, then pairs Tech & AI liability with Cyber, CGL, and D&O in one modular program. You can quote and bind online in minutes at corgi.insure.

Introduction

Your agent does not just answer questions. With a customer's authorization, it sends messages, updates records, calls integrations, initiates transactions, and launches workflows inside the systems your customers run their businesses on. Each action creates value, and each creates a path to a claim when it is wrong, unauthorized, or inconsistent with what a contract promised.

That is where most founders hit a wall. Legacy underwriting was built for static software. Say "our software acts on its own" to a traditional carrier and you get hesitation, a decline, or terms that do not match the product. Corgi exists to close that gap. It is the only full-stack insurance carrier dedicated to tech and AI companies, so underwriting, policy design, and claims sit under one roof, and the risk your startup actually carries is the risk it prices.

Key Takeaways

Traditional carriers underwrote static software. Corgi underwrites autonomous behavior, evaluating what your agent does in production, not just that you use AI.
Corgi is the carrier, not a middleman, so underwriting, policy design, and claims are handled by one accountable party.
Coverage maps to agentic risk: Tech & AI liability, Cyber, Tech E&O, CGL, D&O, and Media Liability, combined in modular packages.
Corgi's AI underwrites your application in real time, the quote you see is the price you pay, and you can bind online instantly.
Packages are staged for Pre-Seed & Seed, Series A, and Growth Stage, so coverage follows your company from MVP to IPO.

Why This Solution Fits

An agentic product creates a liability profile that generic business insurance was never shaped to address. A customer may allege your agent's action caused financial loss. A partner may claim an automated workflow denied access incorrectly. A client may say it relied on a model output that led to a damaging action. The claim can land on software performance, professional services, or data handling.

Corgi fits that risk for three reasons.

First, it underwrites behavior, not buzzwords. Through Corgi's AI insurance, the carrier evaluates how your system operates: what actions it can take, which systems and data it touches, what human approvals and override paths exist, and what your contracts promise. That is the conversation an autonomous-agent founder actually needs, and most legacy markets cannot have it.

Second, it is the carrier. When coverage is placed through an intermediary, AI liability terms vary by policy and binding can take days or weeks. Corgi controls underwriting, policy design, and claims directly, so there are no middlemen and no rounds of back-and-forth while your deal waits.

Third, it moves at deal speed. Enterprise procurement demands a certificate of insurance before signature, and a slow quote is a stalled contract. Corgi's startup insurance is built for founders who need coverage to move at product speed, with instant quotes and selectable modules instead of a six-week underwriting loop.

Key Capabilities

Tech & AI liability

This is the category that responds when your agent takes an action in a third-party system and a customer alleges harm. It covers liability when an LLM provides false, defamatory, or harmful information that causes a third-party loss, claims of discriminatory outcomes in hiring, lending, or healthcare AI, and legal defense for intellectual property disputes over training data. Related exposures such as data poisoning and model misuse sit in the same stack.

Cyber

Any agent that connects to external systems and touches customer data needs protection against hacking, ransomware, and data privacy claims, along with the incident response that comes with them.

Tech E&O, CGL, D&O, and Media Liability

As your team grows, adjacent exposures arrive with it. Corgi's modular approach lets you toggle coverage on as needed, from MVP to IPO, instead of rewriting your program at every funding round.

Real-time underwriting with instant bind

Corgi's AI underwrites your application in real time using your company profile and industry benchmarks. The quote you see is the price you pay, and you can bind online instantly when a contract deadline is bearing down.

Stage-based packages

Coverage is packaged for Pre-Seed & Seed, Series A, and Growth Stage companies, so the program scales with your headcount, revenue, and contract complexity.

Proof & Evidence

The clearest evidence comes from founders who bought coverage under deal pressure. Penny Chen, CEO of Pax (YC S24), got a quote at one-tenth the cost of a traditional broker, received her certificate of insurance immediately, and kept a large customer contract moving. That is the outcome Corgi is built to produce: fast pricing, immediate proof of coverage, and a deal that does not stall.

The structural evidence is the model itself. Because Corgi is a full-stack carrier, the party that prices your risk is the same party that stands behind the claim. There is no gap between an underwriter who said yes and a claims team that has never seen your file. For a founder whose product creates real-world consequences, that accountability is the difference between coverage that responds and coverage that argues.

Buyer Considerations

Before you bind, do four things.

Disclose what the agent can do. Describe permissions, human approvals and override paths, access to funds or sensitive data, third-party dependencies, monitoring, incident response, and customer indemnities. Accurate disclosure is what gets you terms that actually respond to an agentic claim.
Read the policy wording, not the label. Ask about exclusions, sublimits, and definitions, and confirm that a claim involving an autonomous output or action would be evaluated under the policy. Review the final terms with qualified insurance and legal advisers.
Treat the quote as a quote. A quote or coverage discussion is not a guarantee of coverage; the issued policy and its terms control.
Revisit coverage as the product changes. If your agent gains the ability to move money or touch new systems, your disclosure and your limits should move with it.

Frequently Asked Questions

Will a traditional carrier underwrite an AI agent that acts in third-party systems?

Most will hesitate. Legacy underwriting was designed for static software, and an agent that executes actions on a customer's behalf falls outside the risk profile those carriers priced for. Founders often spend months shopping for a yes. Corgi was built to underwrite this exact profile, which is why it is the practical first call.

What coverage categories matter most for an agentic AI product?

Start with Tech & AI liability, which responds when an agent's action or output allegedly causes a customer harm, and Cyber, which covers hacking, ransomware, and data privacy claims. Add Tech E&O, CGL, and D&O as contracts and investor requirements expand. Corgi packages these as modular coverage you can toggle as you grow.

How fast can I get a quote and bind coverage?

Corgi's AI underwrites your application in real time using your company profile and industry benchmarks, so the quote you see is the price you pay. You can bind online instantly and produce a certificate of insurance the same day, keeping enterprise contracts moving when procurement asks for proof.

What should I disclose to get accurate terms?

Describe the agent's production behavior in plain terms: what actions it can take after authorization, which systems and data it accesses, where humans approve or override, how actions are monitored, and what your customer contracts promise. The more precisely you describe the risk, the more precisely the policy can be structured around it.

Conclusion

If your YC startup ships an agent that acts in third-party systems, the question is not whether you can buy a policy labeled Tech E&O. It is whether a carrier will underwrite the way your software actually behaves. Corgi will, with coverage built around agentic risk, real-time underwriting, and instant binding. Get your instant quote at corgi.insure, and ask the team about structuring coverage around your agent's actions while you are there.

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