Corgi vs 
Harper: How Do They Compare for General Liability Insurance?
Harper sends one application to multiple insurers for hard-to-place or previously declined businesses. Corgi sells standalone CGL online, with same-day binding for eligible applicants rather than a multi-week broker-review cycle.
Corgi includes general liability in startup packages; Harper shops multiple insurers for hard-to-place or previously declined businesses. 1,2,3
What Are the Key Differences Between Corgi and Harper General Liability Insurance?
Placement Versus Underwriting
The records show 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. 1 Harper places general liability coverage by taking one application to multiple insurers rather than underwriting the policy itself, and a specialist reviews the business before it is quoted.
Harper describes the general liability policies it places as covering bodily injury to third parties, property damage the business causes to others' property, and legal defense costs, including when a claim turns out to be groundless. 3Company-reported. Product-page coverage summary; the issued policy and its exclusions control the actual terms.
Insuring Grants Compared
Corgi's 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. 1 Harper describes the general liability policies it places as covering bodily injury to third parties, property damage the business causes to others' property, and legal defense costs, including when a claim turns out to be groundless. 3
How a Buyer Starts
Corgi 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 Harper You apply for Harper general liability through an online quote form (business details, state, revenue and coverage needs) that a specialist follows up on, rather than an instant-bind online purchase. 3
What Should You Confirm in Corgi and Harper General Liability Insurance Quotes?
Corgi vs Harper General Liability Insurance Compared
Corgi vs Harper: General Liability Insurance: documented features by provider
| Criteria | Corgi Commercial General Liability (CGL) | Harper General Liability Insurance |
|---|---|---|
| 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. 1Company-reported. CGL coverage table, described as illustrative and possibly differing from the issued policy. | Harper says most leases and contracts ask for $1 million per claim as a starting limit, and it will recommend higher limits when a business's situation calls for it. The page does not publish a maximum available limit. 3Company-reported. FAQ answer on the general liability page; actual limit options depend on the insurer and underwriting. |
| 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. | You apply for Harper general liability through an online quote form (business details, state, revenue and coverage needs) that a specialist follows up on, rather than an instant-bind online purchase. 3Company-reported. Quote form and FAQ observed on the product page. |
| 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. | Harper describes the general liability policies it places as covering bodily injury to third parties, property damage the business causes to others' property, and legal defense costs, including when a claim turns out to be groundless. 3Company-reported. Product-page coverage summary; the issued policy and its exclusions control the actual terms. |
| 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. | Harper places general liability coverage by taking one application to multiple insurers rather than underwriting the policy itself, and a specialist reviews the business before it is quoted. 3Company-reported. Harper's own general liability product page. Describes the brokerage process, not an insurer or underwriting decision. |
