--- title: "Corgi vs HUB International General Liability Insurance" description: "Corgi underwrites its own CGL directly, while HUB International brokers the coverage with insurers that vary by client and placement." canonical: "https://spot.insure/compare/corgi-vs-hub-international/general-liability" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/corgi-vs-hub-international/general-liability) # Corgi vs HUB International General Liability Insurance Corgi underwrites its own CGL directly, while HUB International brokers the coverage with insurers that vary by client and placement. ## Research Scope and Use Use this comparison to evaluate Corgi and HUB International for General Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Corgi's CGL is underwritten by Technology Risk Retention Group, Inc. and bound directly online, while HUB International brokers commercial general liability coverage rather than underwriting it itself. [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups") [10](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") ## 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](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [3](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [4](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [5](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups") [Corgi profile](https://spot.insure/insurance-providers/corgi) ## What Is HUB International? HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [7](https://www.hubinternational.com/about-us/ "About Us") [8](https://www.hubinternational.com/contact-us/ "Contact Us") [9](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [HUB International profile](https://spot.insure/insurance-providers/hub-international) ## 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](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [12](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") ## Key Differences in General Liability Insurance ### A Named Underwriter vs. a Varying Panel The general liability product page does not name an issuing insurer; HUB places general liability business with insurers that vary by client and placement. [10](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") (Evidence: Not found in reviewed sources; scope: Checked the general liability product page on 2026-09-23; no carrier is disclosed there..) Corgi's reviewed pages name a specific underwriter instead: Technology Risk Retention Group, Inc., a risk retention group rather than one of Corgi's admitted carrier affiliates. [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups") ### Self-Serve Bind vs. Broker Consultation Corgi runs its own online instant-quote flow, letting eligible applicants complete the application and bind coverage the same day. [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups") HUB instead directs prospects to contact a HUB broker to get started, saying the amount of coverage a business needs depends on factors such as business type and location, without a self-service bind path Corgi's page describes. [10](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") ### What Triggers a Claim HUB describes general liability responding to bodily injury to customers, employees, vendors or visitors on the client's premises, personal injury from employee negligence, property damage caused by employees, and advertising injury such as slander or false advertising. [10](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") Corgi's form covers similar ground — third-party bodily injury, property damage and a narrower list of personal-and-advertising-injury offenses — but explicitly excludes patent infringement, professional errors, cyber incidents and property in the policyholder's care, custody or control, carve-outs HUB's page doesn't itemize. [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups") ## What to Confirm in General Liability Insurance Quotes - Ask HUB which insurer it's proposing for your specific placement, since it places business with insurers that vary by client. [10](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") - Confirm whether Corgi's risk-retention-group underwriter meets any specific contract or licensing requirement you have. [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups") - Compare Corgi's illustrative $1 million/$2 million limits against whatever HUB's placement carrier would quote, since HUB's page doesn't publish limit figures. [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups") [10](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") - Ask HUB whether it offers risk-control or safety services specific to general liability, since its product page doesn't describe any. [10](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") ## Offering Details | Criteria | Corgi Commercial General Liability (CGL) | HUB International General Liability Insurance Brokerage | | --- | --- | --- | | 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](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups") (Evidence: Company-reported; scope: Homepage package contents and the CGL product page..) | HUB brokers commercial general liability coverage rather than underwriting it itself, placing the policy with an insurer on the client's behalf. [10](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") (Evidence: Company-reported; scope: General liability product page as read on 2026-09-23; the page does not name an 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. [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups") (Evidence: Company-reported; scope: CGL scenario note 1 and policy boundaries section..) | The general liability product page does not name an issuing insurer; HUB places general liability business with insurers that vary by client and placement. [10](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") (Evidence: Not found in reviewed sources; scope: Checked the general liability product page on 2026-09-23; no carrier is disclosed there..) | | 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. [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups") (Evidence: Company-reported; scope: CGL coverage table and scenario/policy notes; illustrative summary, not policy wording..) | HUB says general liability policies it arranges typically respond to bodily injury to customers, employees, vendors or visitors on the client's premises, personal injury from an employee's negligence or actions, property damage caused by employees, and advertising injury such as slander or false advertising claims. [10](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page description of typical coverage scenarios; the issued policy and its exclusions control what a specific claim triggers..) | | 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. [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups") (Evidence: Company-reported; scope: CGL coverage table, described as illustrative and possibly differing from the issued policy..) | Published per-occurrence or aggregate limits, deductibles or retentions for HUB-placed general liability policies were not found on the product page. [10](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") (Evidence: Not publicly disclosed; scope: Checked the general liability product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page..) | | Risk Services | The reviewed CGL page does not describe risk-control, premises-safety or loss-prevention services for policyholders beyond the coverage itself. [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups") (Evidence: Not found in reviewed sources; scope: CGL product page as read on 2026-09-23..) | The general liability product page does not describe line-specific risk-control or safety services; it only lists related products such as business interruption, D&O, EPL and workers' compensation insurance. [10](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") (Evidence: Not found in reviewed sources; scope: Checked the general liability product page on 2026-09-23..) | | 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](https://www.corgi.insure/general-liability "CGL Insurance for Startups") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: CGL page call to action and homepage self-serve description..) | HUB says the amount of general liability coverage a business needs depends on factors such as the type of business and its location, and directs prospects to contact a HUB broker to get started. [10](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page copy; no online quote or bind flow is described..) | | 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. [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups") (Evidence: Company-reported; scope: 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 - [Corgi vs HUB International](https://spot.insure/compare/corgi-vs-hub-international): all coverage lines, business roles, service and claims. - [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability insurance helps with covered claims for injuries to other people, damage to their property and specified advertising offenses. - [Corgi vs HUB International Business Owner’s Policy](https://spot.insure/compare/corgi-vs-hub-international/business-owners-policy) - [Corgi vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/corgi-vs-hub-international/cargo-transit) - [Corgi vs HUB International Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-hub-international/commercial-auto) - [Corgi vs HUB International Crime Insurance](https://spot.insure/compare/corgi-vs-hub-international/crime) - [Corgi vs HUB International Cyber Insurance](https://spot.insure/compare/corgi-vs-hub-international/cyber) - [Corgi vs HUB International D&O Insurance](https://spot.insure/compare/corgi-vs-hub-international/directors-officers) - [Corgi vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/corgi-vs-hub-international/employment-practices) - [Corgi vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/corgi-vs-hub-international/fiduciary) - [Corgi vs HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/corgi-vs-hub-international/hired-non-owned-auto) - [Corgi vs HUB International Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-hub-international/medical-malpractice) - [Corgi vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-hub-international/professional-errors-omissions) - [Corgi vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/corgi-vs-hub-international/representations-warranties) - [Corgi vs HUB International Tech E&O Insurance](https://spot.insure/compare/corgi-vs-hub-international/technology-errors-omissions) - [Corgi vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/corgi-vs-hub-international/umbrella-excess) - [Corgi vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-hub-international/workers-compensation) - [Alliance Risk vs Corgi General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/general-liability) - [Alliance Risk vs HUB International General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/general-liability) - [Amelia Risk vs Corgi General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/general-liability) - [Amelia Risk vs HUB International General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/general-liability) - [Beazley vs Corgi General Liability Insurance](https://spot.insure/compare/beazley-vs-corgi/general-liability) - [Beazley vs HUB International General Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/general-liability) ## Sources ### Corgi 1. [Disclaimers & Licensing](https://www.corgi.insure/disclaimers). 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. 2. [Corgi Insurance: Startup Insurance, Quoted in Minutes](https://www.corgi.insure). Corgi Insurance; Coverage Designed Around Your Startup's Journey: package contents listing CGL in every package tier. Accessed 2026-09-23. 3. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15. 4. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15. 5. [Insurance Topics: Risk Retention Groups](https://content.naic.org/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. 6. [CGL Insurance for Startups](https://www.corgi.insure/general-liability). 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. ### HUB International 7. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16. 8. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16. 9. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16. 10. [General Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/general-liability/). HUB International; What's typically covered: bodily injuries, personal injuries, property damage, advertising injury; coverage-amount factors; related coverage links; Contact a HUB broker call to action. Accessed 2026-09-23. ### General Liability Insurance Guide 11. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16. 12. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). 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. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/corgi-vs-hub-international/general-liability.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)