| Vouch | Corgi | |
|---|---|---|
| What it is | A retail insurance broker. Since August 6, 2025, when Hiscox acquired its MGA (Corix) and its carrier (Vouch Insurance Company), Vouch is a broker only and places with outside carriers. | A licensed producer and programme administrator marketing itself as a full stack carrier. Most startup liability risk sits in Technology Risk Retention Group (TRRG). |
| Paper | Carrier by carrier; its Tech E&O and cyber programme runs through Corix, now a division of Hiscox. | TRRG is an Arizona domiciled risk retention group: not AM Best rated and not backed by state guaranty funds. An admitted affiliate, Corgi Insurance Company, launched in August 2026 aimed mainly at small business classes. |
| AI cover | An AI endorsement on Tech E&O via Corix, launched January 2024, covering model errors and hallucinations, bias, training data and output IP, and regulatory defence. The application makes the AI sublimit elective, and limits are not published. | The broadest AI menu in the startup segment: a Tech and AI Liability form plus a modular endorsement (CORG-TECH-0038) covering bias, hallucination and defamation, training data misuse, AI IP, data poisoning, autonomous AI bodily injury, deepfake, regulatory defence, and fines, each module separately selected and limited. |
| Distribution | Direct, powered by ecosystem referrals (Carta, Brex, Vanta, 200 plus VC relationships claimed). No route for an outside broker to place through it. | Direct online plus VC and platform partnerships. A head of distribution was hired in late 2026 to build broker channels, but no open broker appointment route was public when we checked. |
| Watch out | You cannot see the AI sublimit before you apply, and the product is now another company's programme. | Unrated RRG paper can fail an enterprise customer's or investor's insurance requirements, whatever the price. Check the contract before you bind. |
| Where Helix fits | We compete with Vouch on advice and market choice: Vouch places you in its market, we shop yours. | We compete with Corgi on paper quality and programme design: one quote from one programme, versus a market comparison with rated paper. |
Our verdict
Choose Vouch for ecosystem convenience and a brokered stack on rated carrier paper. Choose Corgi for speed at seed, after checking that RRG paper passes your customer and investor requirements. Choose an independent broker when you want those two, and the rest of the market, compared side by side.
Comparison compiled from published materials in our research, checked November 14, 2026. Company claims that could not be corroborated outside a company's own channels are described as claims.
Talk through your stack before you sign the next contract
Send us the term sheet, the customer MSA, or the renewal you are worried about. We will tell you plainly what it requires, what your current programme does about it, and what we would place differently.