--- title: "AIG vs Corgi: General Liability Insurance" description: "AIG documents general liability within selected programs, while Corgi publishes an occurrence-based form and illustrative limits." canonical: "https://spot.insure/compare/aig-vs-corgi/general-liability" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "aig-vs-corgi" provider-a: "aig" provider-b: "corgi" coverage-line: "general-liability" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/aig-vs-corgi/general-liability) ## Agent Guide **What this page is:** Focused comparison of AIG and Corgi for General Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for General Liability Insurance questions about AIG versus Corgi. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - AIG vs Corgi for General Liability Insurance: how do they differ? - Which is better for General Liability Insurance, AIG or Corgi? - What does AIG or Corgi publish about General Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for General Liability Insurance from AIG or Corgi? **Key facts:** - Line: General Liability Insurance. Providers: AIG and Corgi. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [AIG vs Corgi](https://spot.insure/compare/aig-vs-corgi) — parent: all coverage lines for this pair - [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — coverage explainer for this line - [AIG profile](https://spot.insure/insurance-providers/aig) — provider profile (evidence) - [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile (evidence) - [AIG vs Corgi Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-corgi/cargo-transit) — sibling comparison (other line, or other pair for this line) - [AIG vs Corgi Commercial Auto Insurance](https://spot.insure/compare/aig-vs-corgi/commercial-auto) — sibling comparison (other line, or other pair for this line) - [AIG vs Corgi Crime Insurance](https://spot.insure/compare/aig-vs-corgi/crime) — sibling comparison (other line, or other pair for this line) - [AIG vs Corgi Cyber Insurance](https://spot.insure/compare/aig-vs-corgi/cyber) — sibling comparison (other line, or other pair for this line) - [AIG vs Corgi D&O Insurance](https://spot.insure/compare/aig-vs-corgi/directors-officers) — sibling comparison (other line, or other pair for this line) - [AIG vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-corgi/employment-practices) — sibling comparison (other line, or other pair for this line) - [AIG vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-corgi/fiduciary) — sibling comparison (other line, or other pair for this line) - [AIG vs Corgi Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-corgi/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line) - [AIG vs Corgi Media Liability Insurance](https://spot.insure/compare/aig-vs-corgi/media) — sibling comparison (other line, or other pair for this line) - [AIG vs Corgi Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-corgi/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Corgi Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-corgi/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Alliance Risk General Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Amelia Risk General Liability Insurance](https://spot.insure/compare/aig-vs-amelia-risk/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Aon General Liability Insurance](https://spot.insure/compare/aig-vs-aon/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group General Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Beazley General Liability Insurance](https://spot.insure/compare/aig-vs-beazley/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Berkshire Hathaway Specialty Insurance General Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/general-liability) — sibling comparison (other line, or other pair for this line) # AIG vs Corgi: How Do They Compare for General Liability Insurance? AIG documents general liability within selected programs, while Corgi publishes an occurrence-based form and illustrative limits. ## Research Scope and Use Use this comparison to evaluate AIG and Corgi for General Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Corgi’s standard form is occurrence-based and shows illustrative limits up to $1 million per occurrence and $2 million aggregate; AIG lists the line in named programs without public limits. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") [9](https://www.corgi.insure/general-liability "CGL Insurance for Startups") ## What Is AIG? AIG is the marketing name for American International Group, Inc.; AIG says its insurance products are written or provided by subsidiaries or affiliates. Its U.S. business pages list commercial casualty, property, cyber, management and professional liability, and specialty programs, but a brand-level page does not identify the insurer for a particular policy. [1](https://www.aig.com/investor-relations "Investor Relations") [2](https://www.aig.com/home/risk-solutions/business "Business") [AIG profile](https://spot.insure/insurance-providers/aig) ## What Is Corgi Insurance? Corgi suits technology startups wanting packages organized from pre-seed through growth, with dashboard changes as the business grows; firms seeking only a direct single-carrier policy should compare alternatives. Issuers vary by product and state. [4](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [5](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [6](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [7](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [8](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups") [Corgi profile](https://spot.insure/insurance-providers/corgi) ## What Is General Liability Insurance? General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. [10](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [12](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form") ## Key Differences in General Liability Insurance ### Occurrence Form and Listed Limits Corgi describes third-party injury, property damage and a narrow set of advertising offenses, with exclusions for patent infringement, professional errors, cyber incidents and property in its care. AIG lists GL within selected specialty programs but does not publish the form terms. Buyers should compare the actual Corgi exclusions with the operations in the AIG program schedule, especially products, customer property and professional services. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") [9](https://www.corgi.insure/general-liability "CGL Insurance for Startups") ### Online Purchase and Specialty Programs Corgi offers an online quote flow and says eligible buyers may complete and bind the same day; AIG describes programs administered through appointed program partners. A small business should compare Corgi's direct path and stated illustrative retentions with the AIG administrator's submission, then confirm actual limits and when coverage starts. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") [9](https://www.corgi.insure/general-liability "CGL Insurance for Startups") ## What to Confirm in General Liability Insurance Quotes - Does Corgi’s form cover the specific operations and what amounts appear on its declarations? [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") [9](https://www.corgi.insure/general-liability "CGL Insurance for Startups") - Which AIG program and administrator can quote this risk and on what timeline? [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") [9](https://www.corgi.insure/general-liability "CGL Insurance for Startups") ## Offering Details | Criteria | AIG General Liability Within Named Programs | Corgi Commercial General Liability (CGL) | | --- | --- | --- | | Role in This Line | This evidence supports general liability only within the named AIG programs cited here; it does not establish one uniform standalone general liability product across all businesses. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") (Evidence: Company-reported; scope: Role in this product is limited to the description on the linked AIG source..) | Corgi sells Commercial General Liability (CGL) as a standalone policy and includes it in every startup package tier it lists, from Pre-Seed & Seed through Series A, Growth Stage and the Custom Package. [5](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [9](https://www.corgi.insure/general-liability "CGL Insurance for Startups") (Evidence: Company-reported; scope: Homepage package contents and the CGL product page..) | | Issuing Insurer | Confirm in your quote. | Corgi's CGL page states the policy is underwritten by Technology Risk Retention Group, Inc., a risk retention group, rather than one of Corgi's admitted carrier affiliates. [9](https://www.corgi.insure/general-liability "CGL Insurance for Startups") (Evidence: Company-reported; scope: CGL scenario note 1 and policy boundaries section..) | | Who It’s For | AIG lists general liability within selected programs for audiences such as community associations, crane and rigging businesses, dental practices, leisure operations, manufactured housing, motorsports, psychoanalysts and towing operations. This is not a universal industry eligibility statement. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") (Evidence: Company-reported; scope: Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability..) | Confirm in your quote. | | Coverage Features | The program directory identifies General Liability as a coverage component in the cited named programs. It does not publish the occurrence definitions, covered operations, limits, exclusions or endorsements for any buyer’s policy. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") (Evidence: Company-reported; scope: AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations..) | The standard CGL form (CORG-CGL-0100) is occurrence-based and covers third-party bodily injury, property damage and a narrow list of personal-and-advertising-injury offenses, but excludes patent infringement, professional errors, cyber incidents, and damage to property in the policyholder's care, custody or control. [9](https://www.corgi.insure/general-liability "CGL Insurance for Startups") (Evidence: Company-reported; scope: CGL coverage table and scenario/policy notes; illustrative summary, not policy wording..) | | Limits and Retentions | No general liability limit, deductible or retention for a particular program is stated in the directory. Confirm the program-specific quote and issued form. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") (Evidence: Not publicly disclosed; scope: This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy..) | Corgi shows illustrative CGL limits of up to $1 million per occurrence and $2 million general aggregate, a $100,000 damage-to-premises sublimit, $5,000 medical payments per person, and a $2,000 per-claim self-insured retention; actual amounts appear on the declarations page. [9](https://www.corgi.insure/general-liability "CGL Insurance for Startups") (Evidence: Company-reported; scope: CGL coverage table, described as illustrative and possibly differing from the issued policy..) | | Risk Services | AIG describes underwriting, claims and loss-control teams for its Program Administrators, including program development support and admitted/non-admitted structures. These program services are separate from policy entitlement. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") (Evidence: Company-reported; scope: The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed..) | The reviewed CGL page does not describe risk-control, premises-safety or loss-prevention services for policyholders beyond the coverage itself. [9](https://www.corgi.insure/general-liability "CGL Insurance for Startups") (Evidence: Not found in reviewed sources; scope: CGL product page as read on 2026-09-23..) | | How to Apply | Confirm in your quote. | You can request a CGL quote through Corgi's online instant-quote flow, and Corgi says eligible applicants can complete the application and bind the same day rather than going through a multi-week broker-review cycle. [9](https://www.corgi.insure/general-liability "CGL Insurance for Startups") [5](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: CGL page call to action and homepage self-serve description..) | | Claims Support | Confirm in your quote. | Corgi says the CGL insurer has a duty to defend covered claims, meaning it appoints and pays for defense counsel on the policyholder's behalf, subject to the applicable retention. [9](https://www.corgi.insure/general-liability "CGL Insurance for Startups") (Evidence: Company-reported; scope: CGL scenario note 1, illustrated through a bodily-injury example; distinct from D&O's duty-to-reimburse structure noted on the same page..) | ## Full Comparison - [AIG vs Corgi](https://spot.insure/compare/aig-vs-corgi): all coverage lines, business roles, service and claims. - [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability can protect your business from covered injury and property-damage claims; your building, tools and stock need separate property coverage. - [AIG vs Corgi Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-corgi/cargo-transit) - [AIG vs Corgi Commercial Auto Insurance](https://spot.insure/compare/aig-vs-corgi/commercial-auto) - [AIG vs Corgi Crime Insurance](https://spot.insure/compare/aig-vs-corgi/crime) - [AIG vs Corgi Cyber Insurance](https://spot.insure/compare/aig-vs-corgi/cyber) - [AIG vs Corgi D&O Insurance](https://spot.insure/compare/aig-vs-corgi/directors-officers) - [AIG vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-corgi/employment-practices) - [AIG vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-corgi/fiduciary) - [AIG vs Corgi Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-corgi/hired-non-owned-auto) - [AIG vs Corgi Media Liability Insurance](https://spot.insure/compare/aig-vs-corgi/media) - [AIG vs Corgi Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-corgi/professional-errors-omissions) - [AIG vs Corgi Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-corgi/workers-compensation) - [AIG vs Alliance Risk General Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/general-liability) - [AIG vs Amelia Risk General Liability Insurance](https://spot.insure/compare/aig-vs-amelia-risk/general-liability) - [AIG vs Aon General Liability Insurance](https://spot.insure/compare/aig-vs-aon/general-liability) - [AIG vs The Baldwin Group General Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/general-liability) - [AIG vs Beazley General Liability Insurance](https://spot.insure/compare/aig-vs-beazley/general-liability) - [AIG vs Berkshire Hathaway Specialty Insurance General Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/general-liability) ## Sources ### AIG 1. [Investor Relations](https://www.aig.com/investor-relations). American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28. 2. [Business](https://www.aig.com/home/risk-solutions/business). AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28. 3. [AIG Programs Insurance](https://www.aig.com/home/risk-solutions/business/aig-programs). AIG; Official AIG program directory, lines 384–397 (community associations), 409–423 (crane/rigging), 424–437 (dental), 485–498 (leisure), 510–525 (manufactured housing), 526–543 (motorsports), 544–552 (psychoanalysts), and 611–626 (towing): named audiences and GL schedule entries. Program administration and policy caveat at lines 242–284 and 680–680.. Accessed 2026-09-30. ### Corgi 4. [Disclaimers & Licensing](https://www.corgi.insure/disclaimers). Corgi Insurance Services, Inc.; Carrier Financial Strength (including “federally chartered” and “federal prudential oversight” wording); About Corgi; Licensing; Premium and Payment Disclosures (producer commissions, fees, or other consideration, amounts available on request); Binding Authority and Policy Issuance; page last updated 04/05/26. Accessed 2026-09-15. 5. [Corgi Insurance: Startup Insurance, Quoted in Minutes](https://www.corgi.insure). Corgi Insurance; Coverage Designed Around Your Startup's Journey: package contents listing CGL in every package tier. Accessed 2026-09-23. 6. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15. 7. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15. 8. [Insurance Topics: Risk Retention Groups](https://content.naic.org/insurance-topics/risk-retention-groups). National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15. 9. [CGL Insurance for Startups](https://www.corgi.insure/general-liability). Corgi Insurance; What's Actually Inside Your CGL Policy (form CORG-CGL-0100); Scenario notes; Policy notes; Available Add-ons; FAQ. Accessed 2026-09-23. ### General Liability Insurance Guide 10. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16. 11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated?. Accessed 2026-09-16. 12. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## AIG Reviews Review Score: 4.4 / 10 from 2 rated sources, equally weighted. Customer ratings for AIG are low: Trustpilot shows 1.9 out of 5 from 252 reviews, and NerdWallet gives 2.5 stars and notes more claims complaints than expected. These pages cover many AIG products and countries, so they only loosely describe business insurance. - NerdWallet: NerdWallet editorial rating 2.5 (stars). NerdWallet’s editorial business-insurance comparison; the AIG entry concerns commercial liability and property insurance, not a quantified policyholder-review sample. The page’s complaint statement and 2.5-star editorial rating are source-specific and must not be recast as a consumer average. Checked 2026-09-29. [Business Insurance: Get Quotes and Coverage Today](https://www.nerdwallet.com/business/insurance/best) - Trustpilot: Trustpilot TrustScore 1.9 (out of 5); 252 reviews. Consumer reviews on aig.com’s Trustpilot profile span products and countries, including personal, travel, device/service and other experiences; they do not isolate U.S. commercial-P&C policyholders or a single issuing insurer. Checked 2026-09-29. [AIG Reviews](https://www.trustpilot.com/review/aig.com) - ConsumerAffairs: ConsumerAffairs average 1.0 (out of 5); 274 reviews. ConsumerAffairs page titled AIG Life Insurance Reviews, updated 2026-08-14. The page mixes life and high-net-worth home references and reviewers may describe other AIG relationships; it is not a commercial-P&C-only population. Checked 2026-09-29. [AIG Life Insurance Reviews](https://www.consumeraffairs.com/insurance/aig_life.html) - BBB: Complaints shown, prior 3 years 270. BBB’s American International Group, Inc. headquarters profile and corporate-owned locations (86 listed locations); complaint data is not limited to commercial insurance or a particular risk-bearing insurer. BBB says displayed complaint text may not represent every complaint. Period: Three years ending as displayed 2026-09-29. Checked 2026-09-29. [American International Group, Inc. (AIG) BBB Complaints](https://www.bbb.org/us/ny/new-york/profile/insurance-companies/american-international-group-inc-aig-0121-1515/complaints) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/aig/reviews). ## Corgi Reviews Review Score: not enough ratings. The reviewed sources did not yield customer reviews; the inspected Trustpilot profiles showed none. Its Trustpilot page exists but shows no reviews or rating. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/corgi/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/aig-vs-corgi/general-liability.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)