Amelia Risk vs Corgi General Liability Insurance

Amelia Risk is a brokerage that places general liability coverage with insurance companies on a client's behalf; it does not underwrite the policy itself. ^4,2Company-reported. General Liability page describes what the coverage includes and when to buy it, written in the firm's advisory voice; the Specialties page describes the four-step placement process the firm applies across the lines it arranges. Neither page names the issuing insurer for a given placement.

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. ^6,10Company-reported. Homepage package contents and the CGL product page.

Not described in the reviewed sources.

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. ¹⁰Company-reported. CGL scenario note 1 and policy boundaries section.

Amelia Risk says general liability is one of the most basic and fundamental parts of a company's insurance program and should be bought once a company is formed and operating, or once it starts selling products. ⁴Company-reported. General Liability page's timing guidance; not a stated industry or size restriction.

Not described in the reviewed sources.

Amelia Risk describes general liability as covering premises liability and personal and advertising injury, and says it most notably includes product liability: coverage for third-party bodily injury or property damage claims arising from the use of the client's products. ⁴Company-reported. General Liability page's coverage description; a general explanation of the policy type, not a specimen form or a particular insurer's wording.

Amelia Risk says an umbrella policy raises the limits sitting on top of scheduled underlying liability policies, and notes that in some cases the layered policy it arranges is an excess policy rather than an umbrella policy. ⁴Company-reported. General Liability page's umbrella paragraph; distinguishes umbrella from excess by name only, without published limit amounts.

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. ¹⁰Company-reported. CGL coverage table and scenario/policy notes; illustrative summary, not policy wording.

Not described in the reviewed sources.

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. ¹⁰Company-reported. CGL coverage table, described as illustrative and possibly differing from the issued policy.

Amelia Risk says it reads the policies it offers clients and negotiates coverage terms and pricing before a client buys, as part of its general placement process. ²Company-reported. Specialties page's process description; applies to the firm's placement practice generally, not a general-liability-specific service.

The reviewed CGL page does not describe risk-control, premises-safety or loss-prevention services for policyholders beyond the coverage itself. ¹⁰Not found in reviewed sources. CGL product page as read on 2026-09-23.

Amelia Risk's stated process for arranging coverage, including general liability, starts with gathering information about the company, then approaching multiple insurers, reviewing the resulting quotes with the client, and letting the client decide how to proceed. ²Company-reported. Specialties page's four numbered steps; describes the firm's general placement workflow, not a general-liability-specific application form.

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. ^10,6Company-reported. CGL page call to action and homepage self-serve description.

Amelia Risk says it will advocate for a client's needs during claims, as one of the things clients can expect when working with the firm. ²Company-reported. Specialties page's process list; a general claims-advocacy statement covering all lines the firm places, not general-liability-specific claims handling.

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. ¹⁰Company-reported. CGL scenario note 1, illustrated through a bodily-injury example; distinct from D&O's duty-to-reimburse structure noted on the same page.