---
title: "Corgi vs Markel Insurance"
description: "Compare Corgi and Markel for cyber liability, including quote access, policy terms and account service."
canonical: "https://spot.insure/compare/corgi-vs-markel"
page-type: "provider-comparison"
updated-at: "2026-09-30"
---

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, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/corgi-vs-markel)

# Corgi vs Markel Insurance

Compare Corgi and Markel for cyber liability, including quote access, policy terms and account service.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Highlights

Corgi describes technology companies and startups. Markel’s U.S. small-business description names child care and enrichment, commercial and residential services, sports and fitness, and manufacturing. Both catalogues list Cyber liability, Technology errors and omissions (E&O), Workers’ compensation; compare the actual product, issuer and service route for your business before treating those labels as equivalent. [2](https://www.corgi.insure "Corgi Insurance homepage") [3](https://www.corgi.insure/about "About Corgi") [6](https://www.corgi.insure/customers "Customer Success Stories") [15](https://www.ycombinator.com/companies/corgi-insurance "Corgi Insurance company profile") [30](https://www.markel.com/us/commercial/small-business "Small Business Insurance") [23](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K") [38](https://www.markel.com/us/commercial/professional-and-management-liability/cyber "Cyber Insurance Coverage")

## Provider Reliability Assessments

These sourced assessments are shown for context; this comparison does not select a winner.

### Corgi

Role: Hybrid role.

Broker Spot Score: **No Spot Score**. Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Carrier & MGA Spot Score: **No Spot Score**. Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Financial Resilience (No statutory statement, surplus figure or rating was found for Corgi Insurance Company, Inc. or Technology Risk Retention Group, Inc. AM Best searches for ‘corgi’ and ‘technology rrg’ returned no record, which is a bounded search result rather than proof that no rating exists. Both entities were authorised weeks before this assessment, so there is no financial record to assess.); Claims and Servicing (The evidence does not sufficiently establish responsibility, access and escalation across the assessed services.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/corgi/reliability).

### Markel Insurance

Role: Insurance carrier.

Carrier & MGA Spot Score: **7.1/10** (partial score; 85% of this role's weighting included). Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Carrier-Network Strength (The supplied evidence did not support a score for Carrier-Network Strength; this factor is excluded, not scored as zero. Canonical evidence gaps: Which Markel insurer issues a given product in a given state is not mapped on public pages. Use the insurer named on your quote or policy.; Only New York and California regulator records were opened for Markel Insurance Company. Authority in the other states is Markel's own statement.; The AM Best release and rating page could not be opened by automated tools this session. The rating is taken from the release read earlier and from Markel's own table.; Penalty amounts and violation details for the New York consent order and the Texas orders could not be fully read. A second Texas order (2024) and a 2011 Florida consent order were located but not read.; A five-year search across every state was not done, and California's formal enforcement search would not return results.; Nebraska's latest 2025 summary was blank, so the most recent statutory financials shown are for 2024.; No reinsurance panel, third-party claims administrator or claim-decision authority is publicly mapped.; No independent measure of commercial claim service was found.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/markel/reliability).

## Corgi Reviews

Review Score: not enough ratings.

The reviewed sources did not yield customer reviews; the inspected Trustpilot profiles showed none. Its Trustpilot page exists but shows no reviews or rating.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/corgi/reviews).

## Markel Insurance Reviews

Review Score: 7.5 / 10 from 2 rated sources, equally weighted.

There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years.

- J.D. Power: Commercial Lines Insurers agent satisfaction score 726 (out of 1,000). 2022 commercial-lines independent-agent satisfaction study and 2025 small-commercial customer study; these use different populations and measures Period: 2022. Checked 2026-09-29. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/press-releases/2025-us-small-commercial-insurance-study); [2022 U.S. Independent Agent Satisfaction Study](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf)
- Trustpilot: TrustScore 2.5 (out of 5); 5 reviews. Trustpilot brand-level page for markel.com. It mixes products and is not mapped to one legal insurer. Checked 2026-09-29. [Markel Reviews](https://www.trustpilot.com/review/markel.com)
- BBB: BBB business grade A+. BBB business profile for Markel Insurance Company headquarters/corporate-owned locations; review and complaint submissions may include other products and affiliates Checked 2026-09-29. [Markel Insurance Company Business Profile](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547); [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints)
- BBB: Complaints 12; 12 reviews. BBB profile for Markel Insurance Company; complaints may include other Markel products and affiliates and BBB says not all submissions are displayed. Period: last 3 years, as displayed 2026-09-29. Checked 2026-09-29. [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/markel/reviews).

## Introduction

Technology startups can compare Corgi packages for pre-seed/seed, Series A and growth stages, or ask about a custom option. For a business considering cyber liability, the practical difference is the entry point: Corgi describes online entry with an agent or adviser available, while Markel distributes through wholesale and retail channels. Compare what fits your buying team and operations, then verify the actual product and terms. [2](https://www.corgi.insure "Corgi Insurance homepage") [23](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K") [38](https://www.markel.com/us/commercial/professional-and-management-liability/cyber "Cyber Insurance Coverage")



## Coverage Comparison

| Coverage Type | Corgi | Markel Insurance |
| --- | --- | --- |
| [Builders risk](https://spot.insure/coverage/builders-risk) | Not listed | Listed: Markel builders risk [43](https://www.markel.com/us/industries/construction/large-builders-risk "Builders Risk Insurance") |
| [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Listed: Corgi lists a business owner’s policy in its coverage catalog. [2](https://www.corgi.insure "Corgi Insurance homepage") | Not listed |
| [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Listed: Corgi lists a cargo contractual liability product in its transportation offering. [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed: Markel cargo and transit coverage [42](https://www.markel.com/us/commercial/property/inland-marine "Commercial Inland Marine Insurance") |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed: Corgi links to trucking auto-liability coverage from its transportation menu. [2](https://www.corgi.insure "Corgi Insurance homepage") | Not listed |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Not listed | Listed: Markel commercial property [41](https://www.markel.com/us/commercial/property/commercial-and-risk-management-property "Commercial Property Insurance") |
| [Crime](https://spot.insure/coverage/crime) | Listed: Corgi lists crime insurance among its main policies. [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed: Markel Cyber 360 eCrime component (standalone product not established) [38](https://www.markel.com/us/commercial/professional-and-management-liability/cyber "Cyber Insurance Coverage") |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed: Corgi lists cyber insurance among its business insurance offerings. [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed: Markel Cyber 360 [38](https://www.markel.com/us/commercial/professional-and-management-liability/cyber "Cyber Insurance Coverage") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed: Corgi lists directors and officers insurance among its business insurance offerings. [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed: Markel private and nonprofit D&O [40](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed: Corgi lists employment practices liability among its business-insurance offerings. [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed: Markel employment practices liability [40](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") |
| [Equipment breakdown](https://spot.insure/coverage/equipment-breakdown) | Not listed | Listed: Equipment-breakdown option within property coverage; standalone product not established [36](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Listed: Corgi lists fiduciary liability in its coverage catalog and package options. [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed: Markel fiduciary liability [40](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") |
| [General liability](https://spot.insure/coverage/general-liability) | Listed: Corgi lists commercial general liability among its business insurance offerings. [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed: Markel small-business casualty and property [36](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") |
| [Hired and non-owned auto](https://spot.insure/coverage/hired-non-owned-auto) | Listed: Corgi lists hired and non-owned auto liability for employees using rented or personal vehicles for company business. [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed: Hired/non-owned auto option in small-business casualty; not commercial auto [36](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") |
| [Kidnap and ransom](https://spot.insure/coverage/kidnap-ransom) | Listed: Corgi lists kidnap and ransom among its specialized business-insurance offerings. [2](https://www.corgi.insure "Corgi Insurance homepage") | Not listed |
| [Liquor liability](https://spot.insure/coverage/liquor-liability) | Listed: Corgi markets liquor liability for eligible veterans’ and fraternal lodges with licensed on-premises bars.  | Listed: Markel liquor liability [36](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") |
| [Management liability](https://spot.insure/coverage/management-liability) | Not listed | Listed: Markel management liability [40](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") |
| [Media liability](https://spot.insure/coverage/media) | Listed: Corgi lists media liability insurance among its coverage offerings. [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed: Markel Cyber 360 media liability component (standalone product not established) [38](https://www.markel.com/us/commercial/professional-and-management-liability/cyber "Cyber Insurance Coverage") |
| [Medical malpractice](https://spot.insure/coverage/medical-malpractice) | Listed: Corgi markets medical malpractice insurance for health care professionals and organizations. [2](https://www.corgi.insure "Corgi Insurance homepage") | Not listed |
| [Product liability](https://spot.insure/coverage/product-liability) | Not listed | Listed: Markel products liability [36](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Corgi lists miscellaneous errors and omissions coverage for service-based businesses. [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed: Markel ProBiz miscellaneous E&O [39](https://www.markel.com/us/commercial/professional-and-management-liability/probiz "ProBiz | Professional Liability Coverage") |
| [Representations and warranties](https://spot.insure/coverage/representations-warranties) | Listed: Corgi lists representations and warranties insurance for M&A buyers and sellers. [2](https://www.corgi.insure "Corgi Insurance homepage") | Not listed |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Not listed | Listed: Markel Surety bonds [45](https://www.markel.com/us/surety "Markel Surety") |
| [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Listed: Corgi lists technology errors and omissions insurance for technology products and services. [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed: Markel Cyber 360 technology professional liability component (standalone product not established) [38](https://www.markel.com/us/commercial/professional-and-management-liability/cyber "Cyber Insurance Coverage") |
| [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Not listed | Listed: Markel commercial inland marine [42](https://www.markel.com/us/commercial/property/inland-marine "Commercial Inland Marine Insurance") |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed: Corgi lists commercial umbrella liability insurance. [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed: Markel excess casualty and umbrella [44](https://www.markel.com/us/commercial/casualty/excess-casualty "Excess Casualty Insurance") |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed: Corgi lists workers’ compensation insurance. [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed: Markel Workers Compensation [37](https://www.markel.com/us/commercial/small-business/workers-compensation "Workers Compensation Insurance") |

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.



## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## Key Differences Between Corgi and Markel Insurance

### Online Entry Still Needs a Binding Route

Your Corgi policy’s named insurer provides coverage; Corgi Insurance Services, Inc. is the agency that sells and administers policies. You can apply online or book a specialist call, and Corgi says eligible applicants may quote in minutes and buy the same day; confirm in writing whether coverage starts at policy issuance/payment or under a binder and the effective date. Markel describes Markel Insurance as the insurance operations within Markel Group Inc., a Virginia holding company. Markel’s U.S. Wholesale and Specialty division distributes through wholesale and retail channels, with limited small-account binding authority; some direct marketing applies to certain admitted products and programs. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [2](https://www.corgi.insure "Corgi Insurance homepage") [23](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K")

That difference matters if you want to work through an existing adviser, compare several insurers, or start from a self-service application. Ask whether your chosen producer can access the Corgi product and the relevant Markel division for your state, and who is responsible for presenting the final terms. A brand name or online intake does not identify the insurer that will issue the policy. [2](https://www.corgi.insure "Corgi Insurance homepage") [23](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K")

### Use Shared Lines to Frame the Quote

Both companies list Cyber liability, Technology errors and omissions (E&O), Workers’ compensation. The cyber liability description for Corgi says “Corgi lists cyber insurance among its business insurance offerings”; Markel’s listing describes “Markel Cyber 360.” The difference can matter: one description may place a line inside a broader product or limit it to a component, while the other describes a separate offer. Confirm the exact policy structure and wording on each quote. [2](https://www.corgi.insure "Corgi Insurance homepage") [38](https://www.markel.com/us/commercial/professional-and-management-liability/cyber "Cyber Insurance Coverage") [37](https://www.markel.com/us/commercial/small-business/workers-compensation "Workers Compensation Insurance")

Ask each respondent to name the exact product and form for cyber liability, then show how the proposal treats your revenue, services, locations, contracts and any physical operations. If the proposal places other lines separately, request a schedule that makes the separate policies and any intended coordination visible. Product names and catalogue entries alone cannot establish matched limits, exclusions or conditions.

### Compare the Work After the Quote

The service arrangements also differ after submission:

You can add or upgrade policies through Corgi’s dashboard as funding, hiring or contract needs change; renewal and cancellation remain subject to your policy and state rules. Markel describes commercial-agent portals for authorized users, including functions for listed lines; its U.S. account page separately lists documents, proof of insurance and payments for covered business products. [2](https://www.corgi.insure "Corgi Insurance homepage") [32](https://www.markel.com/us/for-agents-and-brokers/commercial-lines "Commercial Lines Agents & Broker Support") [33](https://www.markel.com/us/my-account "My Account")

Confirm who handles certificates, midterm changes, billing, renewal information and claim notification for the policy you are considering. If Corgi’s service is tied to an adviser or portal, ask whether your account and the proposed line qualify for it; do the same for the Markel product. Neither a group-wide service description nor a portal feature establishes a turnaround time or claim outcome. [2](https://www.corgi.insure "Corgi Insurance homepage") [32](https://www.markel.com/us/for-agents-and-brokers/commercial-lines "Commercial Lines Agents & Broker Support")

## What to Confirm in Quotes

- Which exact product and policy form is proposed for cyber liability, and what limits, retentions, exclusions and endorsements apply to our operations?
- Who is the licensed producer and which legal insurer would issue each policy in our state? Is the placement admitted or surplus lines?
- What information and documents should we prepare, who will submit them, and what still needs underwriting approval before binding?
- Who will service the policy after binding, and what account, renewal, certificate and claim-notification functions are available for this product?

Start with Corgi if its stated customer focus or buying route matches how your team wants to arrange this line. Ask Markel for a proposal when one of its listed small-business or specialty classes fits the exposure. Compare the named insurer, policy structure, state route and account-service responsibilities before choosing between them. [2](https://www.corgi.insure "Corgi Insurance homepage") [30](https://www.markel.com/us/commercial/small-business "Small Business Insurance")

## Compare Services

What each provider documents about the services you may need.

| Criteria | Corgi | Markel Insurance |
| --- | --- | --- |
| Business role | Your Corgi policy’s named insurer provides coverage; Corgi Insurance Services, Inc. is the agency that sells and administers policies. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [2](https://www.corgi.insure "Corgi Insurance homepage") [4](https://www.corgi.insure/broker-licenses "Insurance Producer Licenses") (Evidence: Company-reported; scope: Distribution role and brand usage as of 15 September 2026. Producer licensing is not insurer authority, and group language does not make every group company the issuing insurer on a given policy.; verified: 2026-09-15.) | Markel describes Markel Insurance as the insurance operations within Markel Group Inc., a Virginia holding company. Markel Group's FY2025 filing identifies multiple underwriting subsidiaries. The insurer for a specific policy depends on the product, state and current quote or policy disclosures; Markel Insurance is not one standalone legal insurer. [23](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K") [24](https://www.markel.com/about-us "About us") (Evidence: Company-reported; scope: U.S. commercial-insurance identity and parent/business relationship; not a product-specific issuer assignment.; verified: 2026-09-29.) |
| Customer focus | Technology startups can compare Corgi packages for pre-seed/seed, Series A and growth stages, or ask about a custom option. [2](https://www.corgi.insure "Corgi Insurance homepage") [3](https://www.corgi.insure/about "About Corgi") [6](https://www.corgi.insure/customers "Customer Success Stories") [15](https://www.ycombinator.com/companies/corgi-insurance "Corgi Insurance company profile") (Evidence: Company-reported; scope: Company website positioning and package names; named customer stories on the customers page are testimonials, not a verified book of business.; verified: 2026-09-15.)<br><br>Small businesses in offices, retail, restaurants, personal services, self-storage, wholesale, community associations or rental properties may have a new Corgi option; its August 2026 filing announcement says state and product availability differ. [9](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") (Evidence: Company-reported; scope: Company-announced admitted-carrier appetite. Filing a product is not the same as confirmed availability in a given state.; verified: 2026-09-15.) | Markel's U.S. small-business page lists child care and enrichment, commercial and residential services, sports and fitness, and manufacturing among the segments it describes. Separately, its FY2025 filing describes Markel Insurance's global specialty business as underwriting hard-to-place risks; that wording is not specific to U.S. Wholesale and Specialty. [30](https://www.markel.com/us/commercial/small-business "Small Business Insurance") [23](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K") (Evidence: Company-reported; scope: Company-stated U.S. small-business examples and separate global business characterization; neither establishes eligibility.; verified: 2026-09-29.) |
| Coverage lines | Startup packages can combine general liability, D&O, Tech E&O, cyber, media, employment practices, fiduciary and hired/non-owned auto; Corgi also offers a Tech & AI Liability module. [2](https://www.corgi.insure "Corgi Insurance homepage") [8](https://www.corgi.insure/ai "Insurance for AI, Built for Model Risk") [10](https://www.prnewswire.com/news-releases/corgi-insurance-raises-108-million-receives-regulatory-approval-to-launch-the-first-full-stack-insurance-carrier-for-startups-302657727.html "Corgi Insurance Raises $108 Million, Receives Regulatory Approval to Launch the First Full-Stack Insurance Carrier for Startups") (Evidence: Company-reported; scope: Website product labels and package descriptions. Labels are not equivalent coverage, and website summaries are not policy wording.; verified: 2026-09-15.)<br><br>If you need D&O, Corgi’s example shows claims-made protection for directors, officers and the company under form CORG-DO-0100, issued by Technology Risk Retention Group. The example puts defense costs inside the limit and has a $25,000 per-claim retention; your policy controls. [5](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Public product-page summary last reviewed 24 April 2026 on the page itself; illustrative limits and retentions may differ from a buyer’s policy.; verified: 2026-09-15.)<br><br>A package that includes property needs another insurer if its liability policy uses a risk retention group, because such groups can write business liability but not property coverage. [19](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section3901&num=0&edition=prelim "15 U.S.C. § 3901 — Definitions") [21](https://www.azleg.gov/ars/20/02402.htm "Arizona Revised Statutes § 20-2402") (Evidence: Verified; scope: Statutory limit on what an RRG may write. It does not by itself prove which Corgi product sits on which paper.; verified: 2026-09-15.) |  |
| Application process | You can apply online or book a specialist call, and Corgi says eligible applicants may quote in minutes and buy the same day; confirm in writing whether coverage starts at policy issuance/payment or under a binder and the effective date. [2](https://www.corgi.insure "Corgi Insurance homepage") [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") (Evidence: Company-reported; scope: Company website process claims and Binding Authority and Policy Issuance disclosure, rechecked on 15 September 2026. The disclosure's first paragraph requires policy issuance and payment, while its next paragraph describes temporary binder coverage; this record does not resolve which conditions apply to a particular placement. Quote speed is not independently verified and is not the same as coverage being in force. A self-serve path is not evidence of zero producer commissions or fees.; verified: 2026-09-15.) | Markel's FY2025 filing says U.S. Wholesale and Specialty distributes through wholesale and retail channels on admitted and excess-and-surplus bases, including limited small-account binding authority. In 2025, 71% of this division's gross written premium was placed through wholesale brokers, 26% through retail agents and brokers, and the remainder through alternative channels. Certain admitted products and programs are marketed directly to consumers, but that does not establish online purchase or binding for every product. [23](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K") (Evidence: Company-reported; scope: FY2025 Markel Insurance U.S. Wholesale and Specialty distribution; not the whole Markel Insurance business.; verified: 2026-09-29.)<br><br>For workers' compensation, Markel directs applicants to submit an online application or contact an appointed agent to request a quote; the reviewed page does not establish that purchase and binding are completed online. [31](https://www.markel.com/us/commercial/small-business/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Markel U.S. workers' compensation page only; route to request a quote.; verified: 2026-09-29.)<br><br>Agencies can request a Markel appointment; Markel says appointments are made by affiliated insurer and product, and producers must hold the required state license. This is a producer onboarding route, not an insured's application path. [34](https://www.markel.com/us/for-agents-and-brokers/request-appointment-with-markel "Request appointment with Markel") (Evidence: Company-reported; scope: Commercial agency appointment information; not retail purchase process.; verified: 2026-09-29.) |
| Servicing and renewals | You can add or upgrade policies through Corgi’s dashboard as funding, hiring or contract needs change; renewal and cancellation remain subject to your policy and state rules. [2](https://www.corgi.insure "Corgi Insurance homepage") [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") (Evidence: Company-reported; scope: Company description of post-bind servicing and cancellation. Actual endorsement terms remain in the policy. This does not establish a specific renewal guarantee or a finding that renewals are unavailable.; verified: 2026-09-15.) | Markel describes agent portals for authorized commercial users to quote and bind listed lines and access account history, billing, claims details and policy documents. The page does not establish that every product supports every function. [32](https://www.markel.com/us/for-agents-and-brokers/commercial-lines "Commercial Lines Agents & Broker Support") (Evidence: Company-reported; scope: Commercial-agent portals; available functions vary by portal and product.; verified: 2026-09-29.)<br><br>Markel's U.S. account page lists policy documents, proof-of-insurance downloads, payments and automatic payments for covered business products and directs customers with unlisted products to the agent on the policy. Renewal handling and renewal terms were not established in this review. [33](https://www.markel.com/us/my-account "My Account") (Evidence: Company-reported; scope: Public portal description; not all products necessarily use the portal.; verified: 2026-09-29.) |

## Related Reading

- [What Is Corgi Insurance?](https://spot.insure/insurance-providers/corgi)
- [Markel Insurance: Specialty Business and Products](https://spot.insure/insurance-providers/markel)

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- [Coterie Insurance vs Markel Insurance](https://spot.insure/compare/coterie-vs-markel)
- [Counterpart vs Markel Insurance](https://spot.insure/compare/counterpart-vs-markel)
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- [Cowbell vs Markel Insurance](https://spot.insure/compare/cowbell-vs-markel)
- [Embroker vs Markel Insurance](https://spot.insure/compare/embroker-vs-markel)

## Sources

### [Corgi Official Website](https://www.corgi.insure)

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 homepage](https://www.corgi.insure). Corgi Insurance Services, Inc.; Product packages: Cyber and Directors & Officers; Growth Stage and Custom Package; Self-Serve (apply, get quoted in minutes, bind same-day) and Book a Demo paths; Explore Our Main Policies: Commercial General Liability, Crime Insurance, Fiduciary Liability, Hired and Non-Owned Auto (HNOA), Worker’s Compensation; Specialized coverages: Employment Practices Liability (EPLI), K&R (Kidnap & Ransom), Representations and Warranties; Commercial Umbrella Liability; Business Owners Policy (BOP); Coverage sales cards: Media Liability, Medical Malpractice, Miscellaneous E&O; Core Operations: Tech E&O Insurance; Tech & AI Liability product module; Transportation menu: Auto Liability, Contractual Liability Insurance - Cargo; FAQ on cost, claims, and binding; footer entity, program-administrator and issuing-carrier notices. Accessed 2026-09-16.
3. [About Corgi](https://www.corgi.insure/about). Corgi Insurance Services, Inc.; Company description; Federally Regulated, A-Rated Admitted Access, and Licensed Nationwide sections. Accessed 2026-09-15.
4. [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses). Corgi Insurance Services, Inc.; Corgi Insurance Services, Inc. state-by-state producer license table. Accessed 2026-09-15.
5. [Directors & Officers (D&O) Insurance for Startups](https://www.corgi.insure/directors-and-officers). Corgi Insurance Services, Inc.; Form CORG-DO-0100 coverage summary; policy notes stating TRRG underwrites the D&O coverage part; footer identifying Corgi Insurance Company, Inc. NAIC 17989. Accessed 2026-09-15.
6. [Customer Success Stories](https://www.corgi.insure/customers). Corgi Insurance Services, Inc.; Page heading and named technology-company testimonials; cost FAQ. Accessed 2026-09-15.
7. [Partnerships](https://www.corgi.insure/partnerships). Corgi Insurance Services, Inc.; Direct Underwriting savings claim; partner-page process; onboarding-to-claims handling claim. Accessed 2026-09-15.
8. [Insurance for AI, Built for Model Risk](https://www.corgi.insure/ai). Corgi Insurance Services, Inc.; Tech & AI Liability product description and related AI-risk FAQ. Accessed 2026-09-15.
9. [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.
10. [Corgi Insurance Raises $108 Million, Receives Regulatory Approval to Launch the First Full-Stack Insurance Carrier for Startups](https://www.prnewswire.com/news-releases/corgi-insurance-raises-108-million-receives-regulatory-approval-to-launch-the-first-full-stack-insurance-carrier-for-startups-302657727.html). PR Newswire (Corgi press release); 9 January 2026 funding announcement; listed startup coverage lines; ARR figure. Accessed 2026-09-15.
11. [Corgi Reaches $2.6B Valuation With $106M Series B1 Three Weeks After $160M Unicorn Round](https://www.prnewswire.com/news-releases/corgi-reaches-2-6b-valuation-with-106m-series-b1-three-weeks-after-160m-unicorn-round-302784796.html). PR Newswire (Corgi press release); 28 May 2026 company statement of $378 million total funding and planned vertical expansion. Accessed 2026-09-15.
12. [Corgi Insurance Launches Corgi Claims, the AI-Native TPA](https://www.prnewswire.com/news-releases/corgi-insurance-launches-corgi-claims-the-ai-native-tpa-302813039.html). PR Newswire (Corgi press release); 29 June 2026 launch of Corgi Claims as a TPA; disclaimer that claims services are provided through licensed subsidiaries and affiliates. Accessed 2026-09-15.
13. [Corgi Insurance and Silicon Valley Bank Partner to Connect Clients to Preferred Coverage Solutions](https://www.prnewswire.com/news-releases/corgi-insurance-and-silicon-valley-bank-partner-to-connect-clients-to-preferred-coverage-solutions-302803621.html). PR Newswire (Corgi and Silicon Valley Bank press release); 17 June 2026 partnership announcement for SVB client access to Corgi products. Accessed 2026-09-15.
14. [Corgi: Rebuilding Insurance with AI](https://kindredventures.com/announcement/corgi-rebuilding-insurance-with-ai/). Kindred Ventures; 8 January 2026 investor announcement describing Corgi as a full-stack carrier with a captive reinsurer; 40,000+ policyholders across 49 states. Accessed 2026-09-15.
15. [Corgi Insurance company profile](https://www.ycombinator.com/companies/corgi-insurance). Y Combinator; Summer 2024 batch; San Francisco location; 2024 founding; team size 250; description as a full-stack insurance carrier for startups. Accessed 2026-09-15.
16. [Registered Federal Risk Retention Groups](https://dbr.ri.gov/sites/g/files/xkgbur696/files/2026-01/Registered_Federal_Risk_Retention_Groups.pdf). Rhode Island Department of Business Regulation; Report date 23 June 2026; registration entry for Technology Risk Retention Group, Inc., NAIC 17763, 425 Bush St., San Francisco, CA 94108. Accessed 2026-09-15.
17. [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.
18. [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.
19. [15 U.S.C. § 3901 — Definitions](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section3901&num=0&edition=prelim). U.S. House Office of the Law Revision Counsel; Liability Risk Retention Act definitions of liability and risk retention group, including state charter, member-ownership, and liability-only activity limits. Accessed 2026-09-15.
20. [15 U.S.C. § 3902 — Risk retention groups](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section3902&num=0&edition=prelim). U.S. House Office of the Law Revision Counsel; Non-domicile state registration and policy notice requirements; exemption from state insurance insolvency guaranty associations. Accessed 2026-09-15.
21. [Arizona Revised Statutes § 20-2402](https://www.azleg.gov/ars/20/02402.htm). Arizona Legislature; Risk retention groups chartered and licensed in Arizona may write only liability insurance under that chapter. Accessed 2026-09-15.
22. [Corgi built its name insuring AI startups. Its new carrier targets dry cleaners, salons and more](https://www.insurancebusinessmag.com/us/news/breaking-news/corgi-built-its-name-insuring-ai-startups--its-new-carrier-targets-dry-cleaners-salons-and-more-587646.aspx). Insurance Business; 27 August 2026 report identifying Technology Risk Retention Group as an Arizona-chartered RRG and noting that the admitted-carrier announcement does not specify domicile, licensed states, or rating status. Accessed 2026-09-15.

### [Markel Insurance Official Website](https://www.markel.com/us)

23. [Markel Group Inc. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm). U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28.
24. [About us](https://www.markel.com/about-us). Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc. Accessed 2026-09-28.
25. [US Product Disclaimer](https://www.markel.com/us-product-disclaimer). Markel; U.S. underwriting/entity and state-availability disclaimer; identifies Markel West Insurance Services, California license #2E11302, for certain non-admitted coverage. It does not state Markel Service national producer license #27585 or California DBA license #0645481. Accessed 2026-09-29.
26. [Insurance Programs](https://www.markel.com/us/insurance-programs). Markel; FAQ and legal disclaimer at page end; coverage by Markel insurers, Markel Service, Incorporated national producer license #27585 and California DBA license #0645481, and Markel West Insurance Services California license #2E11302 for certain non-admitted products. Accessed 2026-09-29.
27. [AM Best Affirms Credit Ratings of Markel Group Inc. and Its Subsidiaries](https://news.ambest.com/pr/PressContent.aspx?altsrc=2&refnum=36790). AM Best; Press release dated November 21, 2025; paragraphs naming ratings, rating rationale, and Markel North America Insurance Group members. Accessed 2026-09-28.
28. [North America Producer Compensation Disclosure](https://www.markel.com/north-america-producer-compensation-disclosure). Markel; Base commissions, contingent compensation, business production/additional incentives, and Markel Specialty/Markel Service/insurer role statement. Accessed 2026-09-28.
29. [U.S. and Bermuda Claims Contacts](https://content.markel.com/api/public/content/f52fc789f11245b5b8acd14aa45e1847). Markel; April 2026 claims-contact PDF footer: Markel West, Inc. d/b/a Markel West Insurance Services, California license #0D95581; coverage by one or more Markel insurers and non-admitted routes. Accessed 2026-09-29.
30. [Small Business Insurance](https://www.markel.com/us/commercial/small-business). Markel; Small business products; Types of companies—Child care and enrichment, Commercial and residential services, Sports and fitness, Manufacturing. Accessed 2026-09-28.
31. [Workers Compensation Insurance](https://www.markel.com/us/commercial/small-business/workers-compensation). Markel; Introductory quote/application route; claims question and report-a-claim contact. Accessed 2026-09-28.
32. [Commercial Lines Agents & Broker Support](https://www.markel.com/us/for-agents-and-brokers/commercial-lines). Markel; mPortal and Markel Online access; resources; digital distribution. Accessed 2026-09-28.
33. [My Account](https://www.markel.com/us/my-account). Markel US; Online account portal capabilities; Business insurance; unlisted-product direction. Accessed 2026-09-28.
34. [Request appointment with Markel](https://www.markel.com/us/for-agents-and-brokers/request-appointment-with-markel). Markel; Commercial and personal lines agency partner criteria; product-specific affiliate appointments; producer-license requirement. Accessed 2026-09-28.
35. [Markel Insurance Companies](https://www.markel.com/our-insurance-companies). Markel; Notice to California and Massachusetts Applicants and Insureds; U.S.-domiciled property and casualty insurer subsidiaries and affiliates; table of company names and market status (page states current as of 2024-04-01). Accessed 2026-09-28.
36. [Small Business Casualty and Property Insurance](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property). Markel; What we offer; product/liability, property, general casualty, inland marine, excess umbrella, liquor liability, hired/non-owned auto, employee benefits liability, E&O and equipment breakdown references. Accessed 2026-09-29.
37. [Workers Compensation Insurance](https://www.markel.com/us/commercial/small-business/workers-compensation). Markel; Product overview and quote route; workers compensation/employers liability, eligible industries, claim and loss-control descriptions. Accessed 2026-09-29.
38. [Cyber Insurance Coverage](https://www.markel.com/us/commercial/professional-and-management-liability/cyber). Markel; Markel Cyber 360; coverages available, cyber incident response, business interruption, privacy/security liability, media liability and technology professional liability. Accessed 2026-09-29.
39. [ProBiz | Professional Liability Coverage](https://www.markel.com/us/commercial/professional-and-management-liability/probiz). Markel; What is Markel ProBiz; separate management liability and miscellaneous E&O; listed limits and qualifying business size. Accessed 2026-09-29.
40. [Private and Nonprofit Management Liability Insurance](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit). Markel; What we offer; private/nonprofit segment; D&O, EPL, fiduciary and optional coverage sections. Accessed 2026-09-29.
41. [Commercial Property Insurance](https://www.markel.com/us/commercial/property/commercial-and-risk-management-property). Markel; Commercial property product summary and eligible risks. Accessed 2026-09-29.
42. [Commercial Inland Marine Insurance](https://www.markel.com/us/commercial/property/inland-marine). Markel; What we offer; inland marine classes, cargo, contractors equipment, transportation and coverage structure. Accessed 2026-09-29.
43. [Builders Risk Insurance](https://www.markel.com/us/industries/construction/large-builders-risk). Markel; Coverage features; construction projects and builders-risk scope. Accessed 2026-09-29.
44. [Excess Casualty Insurance](https://www.markel.com/us/commercial/casualty/excess-casualty). Markel; Excess and umbrella liability and admitted/non-admitted capabilities. Accessed 2026-09-29.
45. [Markel Surety](https://www.markel.com/us/surety). Markel; Products; contract bonds, commercial bonds, court and probate bonds. Accessed 2026-09-29.
46. [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints). Better Business Bureau; Company complaints summary: 12 in last three years, 3 closed in last 12 months; complaint-category counts and displayed case examples; headquarters and corporate-owned locations. Accessed 2026-09-29.

Updated 2026-09-30. 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-markel.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)