Corgi vs Coterie Insurance General Liability Insurance

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. ^2,6Company-reported. Homepage package contents and the CGL product page.

Coterie sells general liability as a standalone policy that can also be purchased on a monthly or annual basis, or included in its Business Owner's Policy, and distributes it through agents and brokers using its digital quoting platform. ¹⁰Company-reported. GL page 'GL is available as a standalone policy or included in a Business Owners Policy' and 'monthly, or annual basis' statements.

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. ⁶Company-reported. CGL scenario note 1 and policy boundaries section.

The reviewed GL page does not name the issuing insurer for the standalone general liability policy. ¹⁰Not publicly disclosed. Page as read on 2026-09-23.

Not described in the reviewed sources.

Coterie says GL is especially relevant for small businesses that interact face-to-face with customers, work on or at a third party's property, lease or own a premises, advertise, or are required by industry regulators to carry coverage, without stating an industry exclusion list on this page. ¹⁰Company-reported. GL page 'especially important for small businesses that' list.

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. ⁶Company-reported. CGL coverage table and scenario/policy notes; illustrative summary, not policy wording.

Coterie's GL policy covers four categories: bodily injury, damage to others' property, personal injury (including slander and libel), and false or misleading advertising, paying for the injured party's costs and the insured's legal defense. ¹⁰Company-reported. GL page intro and 'How does general liability insurance work?' section.

Coterie says GL does not cover damage to the policyholder's own business or employees (that requires a BOP), or errors, omissions, and professional negligence (that requires Professional Liability Insurance). ¹⁰Company-reported. GL page 'What does General Liability insurance NOT cover?' FAQ.

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. ⁶Company-reported. CGL coverage table, described as illustrative and possibly differing from the issued policy.

Coterie's GL page says customers and clients commonly expect or require limits of $500,000, $1,000,000, or $2,000,000, framed as typical market expectations rather than a published Coterie limit schedule for the standalone GL product. ¹⁰Company-reported. GL page 'How much General Liability insurance do I need?' FAQ.

The reviewed CGL page does not describe risk-control, premises-safety or loss-prevention services for policyholders beyond the coverage itself. ⁶Not found in reviewed sources. CGL product page as read on 2026-09-23.

The reviewed GL page does not describe risk-control or loss-prevention services specific to general liability; it directs businesses with coverage questions to Coterie's support team. ¹⁰Not found in reviewed sources. GL page 'Do all businesses need General Liability insurance?' FAQ, as read on 2026-09-23.

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. ^6,2Company-reported. CGL page call to action and homepage self-serve description.

You engage Coterie for GL coverage by finding an appointed agent through the page's 'Find an Agent' link; the page does not describe a direct-to-consumer purchase path. ¹⁰Company-reported. GL page calls to action.

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. ⁶Company-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.

Not described in the reviewed sources.