Corgi vs 
Embroker: How Do They Compare for General Liability Insurance?
Embroker sells standalone GL with online quotes in minutes for businesses with people, premises, or products; Corgi also sells a standalone policy but focuses on startups and includes GL in each listed funding-stage package.
Corgi is underwritten by Technology Risk Retention Group, Inc. and sold on its own occurrence-based form, while Embroker sells commercial general liability standalone with the option to package it with coverages such as cyber and workers' compensation. 1,3
What Are the Key Differences Between Corgi and Embroker General Liability Insurance?
Two Standalone Policies, Different Underwriters
Corgi's CGL is underwritten by Technology Risk Retention Group, Inc., a risk retention group, and sold on its own occurrence-based form (CORG-CGL-0100). 1 1 Embroker also sells commercial general liability as a standalone line, but its reviewed product page doesn't name the issuing insurer, and it offers to package the policy with other coverages such as cyber and workers' compensation, an option Corgi's reviewed page doesn't describe. 3
Speed of Getting a Quote
Embroker says applicants can get an instant general liability quote online in a few minutes, with underwriting based on claims history and the type of products or services the business provides. 3Company-reported. Product-page FAQ: How do you apply for General Liability insurance?; no quote was requested during this research.
Corgi's process is similarly fast but structured differently: its online instant-quote flow lets eligible applicants complete the application and bind coverage the same day, rather than just receiving an instant quote for later review. 1
What's Excluded
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. 1Company-reported. CGL coverage table and scenario/policy notes; illustrative summary, not policy wording.
Embroker's exclusions list overlaps on some points but differs in scope: it carves out employee injuries, professional errors, employment practices claims and damage to the policyholder's own property, without naming patent infringement or cyber incidents the way Corgi's form does. 3
What Should You Confirm in Corgi and Embroker General Liability Insurance Quotes?
- Ask Embroker to name the insurer underwriting your specific policy, since its product page doesn't disclose one. 3
- Confirm whether Corgi's risk-retention-group structure affects your ability to get coverage recognized in every state you operate in. 1
- Compare Corgi's illustrative $1 million/$2 million limits against whatever limit options Embroker quotes, since Embroker's page doesn't publish specific limit figures. 1 3
- Ask whether Embroker's packaging with cyber or workers' compensation would cost less than buying Corgi's standalone CGL and a separate cyber policy. 3
Corgi vs Embroker General Liability Insurance Compared
Corgi vs Embroker: General Liability Insurance: documented features by provider
| Criteria | Corgi Commercial General Liability (CGL) | Embroker Commercial General Liability Insurance |
|---|---|---|
| How to Apply | 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. 1,2Company-reported. CGL page call to action and homepage self-serve description. | Embroker says applicants can get an instant general liability quote online in a few minutes, with underwriting based on claims history and the type of products or services the business provides. 3Company-reported. Product-page FAQ: How do you apply for General Liability insurance?; no quote was requested during this research. |
| Coverage Features | 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. 1Company-reported. CGL coverage table and scenario/policy notes; illustrative summary, not policy wording. | Embroker lists coverage for third-party bodily injury and property damage, personal injury claims such as libel or slander, product liability, and legal defense costs and settlements. 3Company-reported. Product-page coverage summary; the issued policy and declarations control. Embroker says the policy excludes employee injuries (covered by workers' compensation), professional errors (covered by E&O), employment practices claims, and property damage to the policyholder's own commercial property. 3Company-reported. Product-page What's not included section. |
| Role in This Line | 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. 2,1Company-reported. Homepage package contents and the CGL product page. | Embroker sells commercial general liability as a standalone line and offers to package it with other coverages such as cyber and workers' compensation. 3Company-reported. Product-page description; not a statement about the issuing insurer. |
