Corgi vs 
Lockton Cargo and Transit Insurance
Corgi binds per-load trucking cargo in minutes; Lockton’s Cargo & Logistics team places marine and cargo lines through a contact form.
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 Lockton?
Lockton is a privately held insurance brokerage that arranges commercial risk, employee benefits and retirement programs. US pages describe a technology practice and intermediary placement with insurers, not Lockton as the policy’s insurer. 7,8,9
What Is Cargo and Transit Insurance?
Cargo and transit insurance addresses loss or damage to goods being transported, subject to the coverage purchased. 12,13
Key Differences in Cargo and Transit Insurance
Single-Haul Product Versus a Broker Capability List
Corgi’s offering is a per-load contractual liability cargo bind for trucking operators. Lockton’s Cargo & Logistics team places marine and cargo coverage and sits beside auto, general and product liability, umbrella and workers’ compensation in Casualty Insurance Solutions; Lockton is the broker, not the insurer. Lockton lists cargo in transit, motor truck cargo, warehouseman’s legal liability, stock throughput, deterioration of perishables, and war, strikes and terrorism—as a capability list, not a specimen form. Corgi’s reviewed metadata does not itemize those marine and warehouse covers. 6 10 11
Minutes-Scale Bind Versus an Inquiry Form
Corgi advertises quoting, binding and a certificate in minutes. Lockton’s Cargo & Logistics page routes buyers to a contact form rather than a self-serve quote or bind. Corgi presents the product as a replacement or supplement to an annual cargo policy; Lockton’s pages describe placing coverage for companies that ship goods, without a published per-load product. 6 10
Who Writes the Policy
Corgi’s reviewed trucking page does not name the insurer. Lockton’s cargo and casualty pages also do not name marine or cargo insurers; the carrier depends on the placement. A buyer comparing a load-board certificate to a Lockton program is comparing different durations and different paths to the issuing company. 6 10 11
What to Confirm in Cargo and Transit Insurance Quotes
- Ask Corgi which load, commodity and certificate wording the bind covers. 6
- Ask Lockton which items from its capability list—motor truck cargo, stock throughput, warehouse legal liability, war risk—are actually on the quote. 10
- Get the issuing insurer from both; neither reviewed page names it. 6 10
- Confirm whether you need a one-haul certificate or a placed program that can include warehouse and perishable deterioration. 6 10
Offering Details
Corgi vs Lockton Cargo and Transit Insurance: documented features by provider
| Criteria | Corgi Trucking Per-Load Cargo Insurance | Lockton Cargo & Logistics Insurance Brokerage |
|---|---|---|
| Role in This Line | Corgi's cargo insurance for trucking operators is a per-load product (contractual liability cargo coverage bound one haul at a time) offered on trucking.corgi.insure, a separate site from the startup-insurance product pages on corgi.insure. 6,2Company-reported. Page metadata and site structure as observed on 2026-09-23. The trucking site is a JavaScript-rendered application; the reviewed pages returned only page metadata, not the full body content. | Lockton's Cargo & Logistics team places marine and cargo coverage for companies that ship goods; it sits alongside auto, general/product liability, umbrella and workers' compensation under Lockton's broader Casualty Insurance Solutions. Lockton is the broker arranging this coverage, not the insurer. 10,11Company-reported. Cargo & Logistics and Casualty product pages, U.S. site, as read 2026-09-23. |
| Issuing Insurer | The reviewed page content does not name the insurer or underwriting entity for per-load cargo coverage; the trucking site's disclosures were not reachable without executing its client-side application. 6Not publicly disclosed. trucking.corgi.insure/insurance/per-load-cargo as fetched on 2026-09-23. Corgi's main-site disclaimers page names Corgi Insurance Company, Inc. and Technology Risk Retention Group, Inc. as underwriters for its startup product lines, but nothing in the reviewed sources ties that disclosure to the separately branded trucking product. | Neither page names the marine or cargo insurers Lockton places coverage with. The carrier depends on the specific placement. 10,11Not publicly disclosed. Cargo & Logistics and Casualty pages checked 2026-09-23. |
| Coverage Features | Corgi says the per-load cargo product can replace or supplement a trucking operator's existing annual cargo policy, implying it is meant for single-haul or overflow coverage rather than as a standalone annual policy. 6Company-reported. Page metadata for trucking.corgi.insure/insurance/per-load-cargo; specific covered perils, commodity exclusions and per-load limits were not accessible in the reviewed page content. | Lockton lists cargo and marine coverage areas it can help place, including cargo in transit, motor truck cargo, warehouseman's legal liability, stock throughput, deterioration of perishable goods, and war, strikes and terrorism risk. This is a capability list, not a specimen policy; actual terms depend on the placing insurer. 10Company-reported. Cargo & Logistics product page as read 2026-09-23. Not a summary of any one policy form. |
| How to Apply | Corgi advertises that a trucking operator can quote, bind and get a certificate of insurance (COI) for per-load cargo coverage in minutes. 6Company-reported. Marketing claim from page metadata; quote speed is not independently verified and is not the same as coverage being bound for a specific load. | Public engagement starts as an inquiry: the Cargo & Logistics page routes buyers to a contact form rather than a self-serve quote or bind flow. 10Company-reported. Cargo & Logistics page as read 2026-09-23. No online quote tool was found for this line. |
Full Comparison
More Corgi vs Lockton Comparisons
Other Cargo and Transit 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; Site-wide navigation link to trucking.corgi.insure, the separate trucking-insurance property that hosts the Auto Liability and Per-Load Cargo product pages. 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.
- Per-Load Cargo Insurance | Corgi Trucking Insurance. Corgi Trucking (trucking.corgi.insure); Page title and meta/OpenGraph description: 'Per-load cargo insurance that can replace or supplement your annual policy. Quote, bind, and get your COI in minutes.'. Accessed 2026-09-23.
Lockton
- Lockton United States. Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
- Technology. Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
- US Terms of Business. Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
- Cargo & Logistics. Lockton; Risk management challenges intro; Wide array of experience: list of marine and cargo coverage areas (guaranteed outturn, bailees liability, motor truck cargo, carrier's legal liability, stock throughput, war and strikes risk, and more). Accessed 2026-09-23.
- Casualty Insurance. Lockton; Casualty Insurance Solutions list: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers' Compensation; dedicated service team paragraph. Accessed 2026-09-23.
Cargo and Transit Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
- Special Documents. International Trade Administration, U.S. Department of Commerce; Insurance Certificate bullet. Accessed 2026-09-16.
