Corgi vs Harper 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.

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. ⁹Company-reported. Harper's own general liability product page. Describes the brokerage process, not an insurer or underwriting decision.

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.

Not described in the reviewed sources.

Harper markets general liability to businesses that need a certificate for a lease, client contract or license, and specifically says hard-to-place or previously declined businesses are the operations it targets. ⁹Company-reported. Product-page marketing copy; not an eligibility guarantee for a particular applicant.

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.

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. ⁹Company-reported. Product-page coverage summary; the issued policy and its exclusions control the actual terms.

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.

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. ⁹Company-reported. FAQ answer on the general liability page; actual limit options depend on the insurer and underwriting.

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.

Harper says it issues certificates of insurance the same day a landlord, client or venue requests one, once a policy is in force. ⁹Company-reported. Product-page service claim; not independently timed or confirmed for a particular request.

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 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. ⁹Company-reported. Quote form and FAQ observed on the product page.

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.

The reviewed general liability page does not describe a claims-reporting process or claims-advocacy service specific to this line. ⁹Not found in reviewed sources. Scoped to the general liability product page as read on 2026-09-23; the provider record separately describes general claims assistance across lines, not checked here for this line specifically.