Corgi vs 
Embroker General Liability Insurance
Corgi underwrites its own occurrence-based CGL through a risk retention group, while Embroker sells general liability with the option to package it with cyber or workers' comp.
What Is Corgi Insurance?
Corgi Insurance sells commercial coverage to technology startups through stage-based packages (pre-seed and seed, Series A, and growth stage) that combine general liability, directors and officers, technology E&O, cyber, and related lines, alongside a growing small-business product line for other industries. Coverage may be issued by Corgi’s own risk retention group, an affiliated admitted carrier, or a partner insurer, so the issuing entity and available protections depend on the specific product and state. 1,2,3,4,5
What Is Embroker?
Embroker is a business insurance broker and online platform serving startups, technology companies and professional-services firms, with proprietary programs and broker-assisted placements. 7,8,9
What Is General Liability Insurance?
General liability covers claims that your business injured someone, damaged their property or committed a specified personal or advertising offense. It does not insure your own building or equipment. 11,12
Key Differences in 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). 6 6 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. 10
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. 10Company-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. 6
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. 6Company-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. 10
What to Confirm in General Liability Insurance Quotes
- Ask Embroker to name the insurer underwriting your specific policy, since its product page doesn't disclose one. 10
- Confirm whether Corgi's risk-retention-group structure affects your ability to get coverage recognized in every state you operate in. 6
- 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. 6 10
- Ask whether Embroker's packaging with cyber or workers' compensation would cost less than buying Corgi's standalone CGL and a separate cyber policy. 10
Offering Details
Corgi vs Embroker General Liability Insurance: documented features by provider
| Criteria | Corgi Commercial General Liability (CGL) | Embroker Commercial General Liability Insurance |
|---|---|---|
| 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. 2,6Company-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. 10Company-reported. Product-page description; not a statement about the issuing insurer. |
| Issuing Insurer | 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. | Not described in the reviewed sources. |
| Who It’s For | Not described in the reviewed sources. | Embroker markets the policy to any business that deals with or employs people, has a physical location with injury risk, or provides a product or service, including consultants, contractors and tradespeople. 10Company-reported. Product-page eligibility description; not a guarantee of coverage for a particular business. Embroker says general liability insurance is not required by law, but local governments often require it for a business license and most venues or office leases require proof of coverage. 10Company-reported. Product-page FAQ: Is General Liability insurance required by law? |
| 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. 6Company-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. 10Company-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. 10Company-reported. Product-page What's not included section. |
| Limits and Retentions | 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. | The reviewed product page does not publish specific per-occurrence or aggregate limit options; it only says a higher coverage limit generally costs more. 10Not publicly disclosed. Product page as read on 2026-09-23. |
| Risk Services | 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. | Not described in the reviewed sources. |
| 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. 6,2Company-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. 10Company-reported. Product-page FAQ: How do you apply for General Liability insurance?; no quote was requested during this research. |
| Claims Support | 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. |
Full Comparison
More Corgi vs Embroker Comparisons
Other General Liability Insurance Comparisons
Sources
Corgi
- Disclaimers & Licensing. Corgi Insurance Services, Inc.; Carrier Financial Strength (including “federally chartered” and “federal prudential oversight” wording); About Corgi; Licensing; Premium and Payment Disclosures (producer commissions, fees, or other consideration, amounts available on request); Binding Authority and Policy Issuance; page last updated 04/05/26. Accessed 2026-09-15.
- Corgi Insurance: Startup Insurance, Quoted in Minutes. Corgi Insurance; Coverage Designed Around Your Startup's Journey: package contents listing CGL in every package tier. 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.
- CGL Insurance for Startups. Corgi Insurance; What's Actually Inside Your CGL Policy (form CORG-CGL-0100); Scenario notes; Policy notes; Available Add-ons; FAQ. Accessed 2026-09-23.
Embroker
- Embroker. Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
- Terms And Conditions. Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
- Embroker Access. Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
- Commercial General Liability Insurance: Coverage & Quotes. Embroker; Why it's essential; Who needs this coverage; What is General Liability insurance?; What's covered; What's not included; FAQ: How do you apply for General Liability insurance?; Is General Liability insurance required by law? Accessed 2026-09-23.
General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
