Tech Update: Corgi Fills AI Risk Gaps; Gallagher Touts AI-Human Sales Blueprint; Cogitate AI and Vital Protect Medical Practices

Corgi AI Coverage Fills Gaps Left by Traditional Tech Coverage

From autonomous agents making financial decisions to models generating customer-facing content, AI systems are no longer just experimental, they are operational. But what happens when one of these systems malfunctions, produces biased outputs, or acts unpredictably? The resulting financial and legal exposure can be significant.

As artificial intelligence becomes deeply embedded in business operations, there is a new category of risk is emerging that traditional insurance policies were not intended to cover.

The new AI Insurance Coverage from full-stack insurer Corgi is designed to fill those gaps.

“Businesses are moving fast with AI, but their insurance hasn’t kept up,” said Nico Laqua, co-founder and CEO at Corgi. “We built this product for the reality companies are already in, where AI is making decisions, taking actions, and sometimes making mistakes.”

It’s not a standalone policy, rather Corgi’s coverage integrates directly with existing technology errors and omissions (E&O) policies. It offers a modular approach that allows insureds to tailor their protection based on how they use AI.

The coverage is built to address a wide spectrum of AI-related scenarios including issues stemming from biased algorithms, inaccurate or harmful generated content, misuse of training data, adversarial attacks on models, synthetic media, and autonomous system failures.

Corgi allows customers to select only the coverage modules relevant to their risk profile.

The launch comes at a time when some traditional carriers have begun excluding AI-related risks.

Corgi’s AI Insurance Coverage is available for technology companies, startups, and enterprises deploying AI in production environments.

Gallagher’s Blueprint Combines AI and Human Expertise

Global insurance broker Gallagher has launched Gallagher Blueprint, a framework that combines AI-driven analytics, proprietary data, and niche expertise and is built on Gallagher’s own sales methodology. The framework aligns a client’s insurance strategy, risk management priorities, and budget into a “clear, customized action plan” to optimize each client’s insurance program.

Gallagher Blueprint delivers tailored recommendations through a proprietary Risk Profile Score, a measure of how a client’s risk and insurance programs compare to best practices and peer benchmarks. The Risk Profile Score informs renewal strategy, strengthens underwriting conversations, and identifies targeted actions that reduce risk and improve outcomes. Gallagher says this structured Blueprint lets clients move forward with confidence that their insurance program is aligned with their risk profile and business goals.

“Gallagher Blueprint is a gamechanger for our clients. By combining AI-powered insights with our proprietary data and our specialists’ expertise, we ensure clients have the best program available in the market. I often describe it as ‘eliminating wonder.’ We want to remove any doubt for our clients, ensuring they don’t have to wonder if they have the best program in the marketplace – they will know they do,” said Pete Doyle, CEO of Gallagher’s US retail brokerage.

“Gallagher Blueprint is where technology and human expertise meet,” said Steve Rhee, chief digital officer at Gallagher.

Rhee said AI accelerates analysis so Gallagher’s specialists can focus earlier on insight and strategy tailored to each client’s goals, operations, and exposures. “The result is faster delivery of a clear Blueprint to improve a client’s Risk Profile and secure the strongest possible coverage aligned with their business objectives,” he added.

Cogitate Speeds Up Vital Coverage Debut of Medical Practice Program

AI-powered core technology provider Cogitate is behind a startup managing general underwriter’s (MGU) successful creation of a specialty property/casualty insurance product for physicians, dentists, and veterinarians.

Vital Coverage Insurance Services launched its Payroll Protection Plus (PPP) program on Cogitate’s DigitalEdge Insurance Platform in just five months across 12 states. The DigitalEdge platform handles policy, underwriting, billing, claims, and distribution management. Agents can generate bindable, real-time quotes across all available coverage limit options within minutes.

The integrated ecosystem includes ePayPolicy for payments, InsCipher for surplus lines tax calculation, Office of Foreign Assets (OFAC) screening, and Dropbox document management, embedded within the workflows.

As a lean startup MGU, Vital required a platform partner capable of adapting to highly specific product requirements across the platform.

Justin Krone, chief operating officer of Vital, said his MGU was able to stand up a full policy, billing, and claims operation for an entirely new coverage in record time. “What stood out was Cogitate’s willingness to build together and to customize to our niche needs rather than hand us a rigid box,” Krone said.

PPP protects practice income, including payroll, lease and mortgage payments, equipment financing, and practice loan payments, in the event of a medical event, travel disruption, or medical board disciplinary action.

Vital currently offers its unique PPP product to individual and multi-practitioner medical offices in Texas, Wisconsin, Virginia, Louisiana, Mississippi, Illinois, Georgia, Pennsylvania, Florida, South Carolina, Oklahoma and Maryland, with more states coming every month.

Cogitate’s platform is designed to easily add states, modify products, and workflows as Vital evolves.

“We are proud to have helped Vital get to market quickly and look forward to continuing to build alongside them as they grow,” said Arvind Kaushal, chief executive officer of Cogitate.