CFC vs 
Corgi: How Do They Compare for General Liability Insurance?
Corgi sells standalone general liability to startups and includes it in all listed funding-stage packages, with same-day binding for eligible applicants; CFC bundles GL with property and lists up to $6 million in casualty limits.
Corgi fits startups seeking standalone general liability with same-day online binding and illustrative $1M/$2M limits; CFC combines liability and property with a published $6M casualty limit. 4,1,2
What Are the Key Differences Between CFC and Corgi General Liability Insurance?
Corgi Sells Standalone Coverage Online
Corgi includes standalone general liability in every startup package tier and says eligible applicants can apply and bind online the same day. 4 CFC combines liability with commercial property in one Property & Casualty policy; it does not sell this line on its own. 1
Published Limits Differ
Corgi shows illustrative limits up to $1 million per occurrence and $2 million general aggregate, with a $2,000 per-claim self-insured retention. Confirm what applies to your quote. 4 CFC publishes a $6 million casualty limit for its combined policy. 2
CFC Lists Eligible and Declined Classes
CFC favors manufacturers, e-commerce sellers and office premises; it ordinarily declines manual contractors and aviation risks. 2 Corgi’s reviewed page does not detail which business classes qualify for same-day binding. 4
What Should You Confirm in CFC and Corgi General Liability Insurance Quotes?
- Confirm Corgi’s illustrative limits and retention match your bound policy. 4
- Ask CFC which insurer will carry your Property & Casualty policy. 1
- If your business is in a CFC declined class, ask whether it can still be covered. 2
- Ask Corgi whether your business class is eligible for same-day online binding. 4
CFC vs Corgi General Liability Insurance Compared
CFC vs Corgi: General Liability Insurance: documented features by provider
| Criteria | CFC Property & Casualty | Corgi Commercial General Liability (CGL) |
|---|---|---|
| Limits and Retentions | CFC's brochure lists a casualty limit of up to $6,000,000 for this policy; the property limit is published separately for the commercial-property side of the same product. 2Company-reported. Brochure's "Limits" section; the limit actually issued depends on underwriting. | 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. 4Company-reported. CGL coverage table, described as illustrative and possibly differing from the issued policy. |
| Coverage Features | The general liability portion covers products and completed operations, pollution, tenants' legal liability, non-owned and hired auto costs, employee benefits liability and medical expenses. 2Company-reported. Brochure's "General liability" section; exact wording and exclusions are set by the policy as issued. CFC says the policy covers legal costs and compensation for bodily injury or property damage claims from third parties, plus personal and advertising liability such as defamatory content, privacy violations and advertising copyright infringement. 2Company-reported. Brochure's "Bodily injury and property damage liability" and "Personal and advertising liability" sections. | 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. 4Company-reported. CGL coverage table and scenario/policy notes; illustrative summary, not policy wording. |
| Role in This Line | CFC's reviewed pages describe general liability as part of one Property & Casualty policy alongside commercial property; they do not describe a standalone general liability product. 1,2Company-reported. Property & casualty product page and its product brochure; the page describes property and general liability as a single policy, not separate offerings. | 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. 5,4Company-reported. Homepage package contents and the CGL product page. |
| Claims Support | CFC says it has handled and paid tens of thousands of general liability and professional indemnity claims for businesses of all sizes. 3Company-reported. CFC's claims page, "Specialty" section; a combined general-liability and professional-indemnity figure with no separate general-liability count and no independent audit. | 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. 4Company-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. |
