Corgi vs Gallagher: How Do They Compare for General Liability Insurance?

A quote at Gallagher Small Business starts with an online form, an advisor phone line or a scheduled callback, and it arranges GL with partner carriers. Corgi sells standalone CGL online, with same-day binding for eligible applicants.

Corgi shows illustrative CGL limits of up to $1 million per occurrence and $2 million aggregate on its own site, while Gallagher Small Business arranges general liability coverage with partner carriers rather than underwriting the policy itself. ^1,³

What Are the Key Differences Between Corgi and Gallagher General Liability Insurance?

Published Illustrative Limits vs. None

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. ¹Company-reported. CGL coverage table, described as illustrative and possibly differing from the issued policy.

Gallagher's general liability product page doesn't publish comparable limit, deductible or premium figures; it directs prospective buyers to request a quote instead. ³

Digital Self-Serve vs. Phone-Assisted

Corgi runs its own online instant-quote flow, letting eligible applicants complete the application and bind coverage the same day. ¹ Gallagher instead offers an online quote form alongside a small business advisor phone line and a scheduled callback request, giving buyers a phone-based path Corgi's self-serve flow doesn't include. ³

Who Underwrites the Policy

Corgi names its underwriter directly: Technology Risk Retention Group, Inc. ¹ Gallagher arranges general liability coverage with partner carriers rather than underwriting the policy itself, and its product page doesn't name the insurer that would issue a given business's policy. ³ ³

What Should You Confirm in Corgi and Gallagher General Liability Insurance Quotes?

Ask Gallagher to name the specific carrier it would place your policy with. ³
Confirm Corgi's exclusions for patent infringement, professional errors, cyber incidents and property in your care, custody or control apply to your business. ¹
Compare Corgi's published illustrative limits against whatever Gallagher's placement carrier ultimately quotes. ¹
Ask Gallagher what its claim investigation and defense cost coverage looks like compared to Corgi's duty-to-defend terms. ³ ¹

Corgi vs Gallagher General Liability Insurance Compared

Corgi vs Gallagher: General Liability Insurance: documented features by provider

Criteria	Corgi Commercial General Liability (CGL)	Gallagher Small Business 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.	Gallagher offers an online quote form, a small business advisor phone line (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start a general liability quote. ³Company-reported. Product page "Get Covered Now" section.
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.	Gallagher describes general liability as responding to third-party bodily injury, property damage, and libel, slander or defamation claims arising from a product, business operations, or acts by the business or people acting on its behalf. ³Company-reported. Product page coverage overview; the issued policy and its exclusions control. Gallagher lists covered expense types including claim investigation and defense costs, court costs, settlements or judgments, judgment interest, medical expenses for injured third parties, and premiums for any bonds a liability suit requires. ³Company-reported. Product page expense list; the issued policy and its exclusions control.
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.	Gallagher Small Business arranges general liability coverage with partner carriers rather than underwriting the policy itself. ³Company-reported. Gallagher Small Business's direct-to-small-business general liability product page.

Criteria

Corgi Commercial General Liability (CGL)

Gallagher Small Business 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.

Gallagher offers an online quote form, a small business advisor phone line (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start a general liability quote. ³Company-reported. Product page "Get Covered Now" section.

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.

Gallagher describes general liability as responding to third-party bodily injury, property damage, and libel, slander or defamation claims arising from a product, business operations, or acts by the business or people acting on its behalf. ³Company-reported. Product page coverage overview; the issued policy and its exclusions control.

Gallagher lists covered expense types including claim investigation and defense costs, court costs, settlements or judgments, judgment interest, medical expenses for injured third parties, and premiums for any bonds a liability suit requires. ³Company-reported. Product page expense list; the issued policy and its exclusions control.

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.

Gallagher Small Business arranges general liability coverage with partner carriers rather than underwriting the policy itself. ³Company-reported. Gallagher Small Business's direct-to-small-business general liability product page.