AIG vs 
Corgi: How Do They Compare for Workers’ Compensation Insurance?
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. 1,2
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. 5,6,7,8,9
What Is Workers’ Compensation Insurance?
Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. 11,12,13,14
Key Differences in Workers’ Compensation Insurance
Program scope and quote timing
AIG includes workers’ compensation in corporate casualty solutions and a nationwide motorsports program. Corgi lists the line as a specialty coverage quoted in one to 14 days, outside its instant online flow for core startup policies. Ask AIG which program addresses your operation and Corgi when its market can return a quote. 4 3 6
Benefits and purchase route
Corgi describes medical expenses, lost wages, and rehabilitation for work-related injury or illness, but routes the line through a specialty quote process rather than its self-serve application. AIG describes customized retained-risk program structures for sophisticated organizations. Ask Corgi which carrier and state benefits its quote includes; ask AIG whether deductibles, retentions, or other program structures are available for your account. 6 6 3
What to Confirm in Workers’ Compensation Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
AIG
Review Score
2 rated sources
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.[1][2]
Read AIG reviewsCorgi
Review Score
The reviewed sources did not yield customer reviews; the inspected Trustpilot profiles showed none. Its Trustpilot page exists but shows no reviews or rating.[4][8]
Read Corgi reviewsOffering Details
AIG vs Corgi: Workers’ Compensation Insurance: documented features by provider
| Criteria | AIG Workers’ Compensation Insurance | Corgi Worker's Compensation |
|---|---|---|
| Role in This Line | Confirm in your quote. | Corgi lists Worker's Compensation as a specialty coverage quoted with a 1-14 day turnaround, not through the instant online quote flow it uses for CGL, D&O, Tech E&O, and its other core startup policies. 6,10Company-reported. Homepage and startup-insurance page policy-card labeling as of 2026-09-23. No dedicated product page was found; a direct URL guess (/workers-compensation) returned a 404. |
| Issuing Insurer | Confirm in your quote. | No page names the carrier that issues Worker's Compensation coverage. Corgi's general disclosures say coverage may be underwritten by affiliated carriers, including the risk retention group Technology Risk Retention Group, or by third-party partner carriers depending on product, jurisdiction, and risk profile, without identifying which applies to this line. 5Not publicly disclosed. Disclaimers page general underwriting disclosure, checked for a line-specific statement and finding none as of 2026-09-23. This record does not resolve which entity underwrites workers' compensation for Corgi. |
| Who It’s For | AIG Risk Management describes customized workers’ compensation program structures for sophisticated organizations that retain portions of their risk through deductibles, self-insured retentions, captives or retrospective programs. 3Company-reported. AIG Risk Management structures for sophisticated organizations that retain some risk. Claim limitation: The source does not connect the separate general casualty risk-consulting/loss-control section to these workers’ compensation structures; it does not establish universal small-business availability, a specific issuing entity or state availability. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation. | The catalog description targets employers generally rather than a specific industry, and does not mention any employee-count, payroll, or state threshold for eligibility. 6,10Not publicly disclosed. Catalog description as of 2026-09-23; workers' compensation is state-mandated and rules vary by jurisdiction, which the reviewed pages do not address. |
| Coverage Features | AIG includes workers’ compensation in corporate casualty solutions for organizations across sectors and sizes. 3Company-reported. AIG corporate casualty segment. Claim limitation: Does not identify specific issuing entity or all states. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation. AIG lists workers compensation among the coverages in its nationwide Motorsports Program for motorsports owners, tracks and teams. 4Company-reported. AIG Programs MotorSports Program. Claim limitation: This is a single niche program; it does not establish availability to other employers. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation. | Corgi describes the product as providing benefits to employees for work-related injuries or illnesses, including medical expenses, lost wages, and rehabilitation costs. 6,10Company-reported. One-sentence catalog description; no policy form, statutory-limits detail, monopolistic-state handling, or employer's-liability sublimit is published for this line. |
| Limits and Retentions | Confirm in your quote. | No limit, retention, or illustrative policy structure is published for Worker's Compensation, unlike Corgi's Tech E&O and Umbrella pages, which show example limits. 6,10Not publicly disclosed. Reviewed pages as of 2026-09-23; workers' compensation benefit levels are generally set by state statute rather than a policy limit, which the reviewed pages do not explain. |
| Risk Services | Confirm in your quote. | The reviewed pages do not describe safety programs, return-to-work services, or claims-handling details specific to Worker's Compensation. 6,10Not found in reviewed sources. Homepage and startup-insurance page as read on 2026-09-23. |
| How to Apply | Confirm in your quote. | Worker's Compensation sits outside Corgi's instant-quote flow; the site groups it with policies quoted in 1-14 days rather than through the self-serve online application used for its core coverages. 6,10Company-reported. Homepage and startup-insurance page policy-card labeling. |
Full Comparison
More AIG vs Corgi Comparisons
Other Workers’ Compensation Insurance Comparisons
Sources
AIG
- Investor Relations. American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
- Business. AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
- Casualty Insurance - Business Casualty Risk Solutions | AIG US. AIG US; Corporate Accounts; Truck Insurance; AIG Risk Management; AIG Risk Management program structures, lines 293–297. Accessed 2026-09-28.
- AIG Programs Insurance | AIG US. AIG US; MotorSports Program, coverage specifics and location (lines 526–543). Accessed 2026-09-28.
Corgi
- Disclaimers & Licensing. Corgi Insurance; Carrier Financial Strength; How Insurance Is Provided Through Corgi; Specialty Insurance Carrier and Underwriting Disclosures. Accessed 2026-09-23.
- Corgi Insurance: Startup Insurance, Quoted in Minutes. Corgi Insurance; Explore Our Main Policies list: "1-14 days turnaround Worker's Compensation" card, same coverage description as the startup-insurance page. Accessed 2026-09-23.
- Corgi Insurance Launches Admitted Insurance Carrier. PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
- NAIC Listing of Companies. National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
- 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.
- Startup Insurance | Corgi Insurance. Corgi Insurance; Specialized Coverages section: "1-14 days turnaround Worker's Compensation — Provides benefits to employees for work-related injuries or illnesses, including medical expenses, lost wages, and rehabilitation costs.". Accessed 2026-09-23.
Workers’ Compensation Insurance Guide
- Workers’ Compensation Insurance. National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
- Small Business Insurance. National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
- DWC employer information. California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.
- Employer resources. Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16.
