---
title: "Corgi vs Pie Insurance General Liability Insurance"
description: "Corgi names its CGL insurer directly; Pie places general liability with unnamed carrier partners and adds reputation-harm coverage."
canonical: "https://spot.insure/compare/corgi-vs-pie-insurance/general-liability"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Corgi vs Pie Insurance General Liability Insurance

Corgi names its CGL insurer directly; Pie places general liability with unnamed carrier partners and adds reputation-harm coverage.

## Research Scope and Use

Use this comparison to evaluate Corgi and Pie Insurance 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 policy is underwritten by Technology Risk Retention Group. Pie identifies itself as an intermediary placing coverage with unnamed carrier partners and lists reputation harm alongside bodily injury, property damage, product liability and advertising injury. [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups") [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance")

## 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 Pie Insurance?

Pie Insurance sells and administers small-business commercial insurance, with affiliated carriers writing its workers’ compensation program and outside carrier partners supporting selected other products. Businesses can start a workers’ compensation quote online or use an agent, then manage documents, certificates, billing, audits and claim reporting through Pie’s service channels. [7](https://www.pieinsurance.com/legal "Legal") [8](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [9](https://www.pieinsurance.com/resource-center/online-account-tutorial "Online Account Tutorial")

[Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance)

## 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

### Who Carries the Risk

Corgi names its own insurer on its CGL page: Technology Risk Retention Group, Inc. [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups") Pie describes itself differently:

Pie says it helps small businesses get the best general liability coverage 'from our insurance carrier partners,' identifying itself as an intermediary rather than the underwriter for this line. [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: General Liability product page as read on 2026-09-23..)

Pie's page does not name which carrier partners underwrite a given general liability policy. [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance")

### What the Base Coverage Lists

Corgi's CORG-CGL-0100 form covers third-party bodily injury, property damage and a narrow set of advertising-injury offenses, with stated exclusions for cyber and care-custody-control property damage. [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups") Pie's page lists a broader-sounding set of categories — bodily injury, property damage, reputation harm, product liability and advertising injury — without publishing the exclusions that would apply to an issued policy. [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance")

### Published Numbers Versus None

Corgi publishes illustrative limits ($1 million per occurrence, $2 million aggregate) and a $2,000 per-claim retention on its site. [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups") Pie's reviewed page does not publish limits, deductibles or premium ranges for general liability. [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance")

### How You Buy

Corgi's flow is a self-serve online quote that it says can bind the same day. [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups") Pie directs buyers to contact the company to start a quote rather than completing one online end to end. [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance")

## What to Confirm in General Liability Insurance Quotes

- Ask Pie which specific carrier partner would underwrite your policy, since its site names none. [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance")
- Ask Corgi to confirm its declarations-page limits and retention match the illustrative figures on its site. [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups")
- Ask Pie for its actual limit and deductible options, since none are published online. [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance")
- Confirm whether Pie's "reputation harm" category maps onto a distinct insuring agreement or falls under the same advertising-injury coverage Corgi lists. [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups")

## Offering Details

| Criteria | Corgi Commercial General Liability (CGL) | Pie General Liability Insurance |
| --- | --- | --- |
| 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..) | Pie says it helps small businesses get the best general liability coverage 'from our insurance carrier partners,' identifying itself as an intermediary rather than the underwriter for this line. [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: General Liability product page as read on 2026-09-23..) |
| 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 reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's general liability product. [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Not publicly disclosed; scope: General Liability product page as read on 2026-09-23..) |
| Who It’s For | Not described in the reviewed sources. | Pie calls general liability 'one of the most common types of insurance that businesses carry' and markets it to small businesses generally, cross-selling it alongside workers' compensation, commercial auto, cyber, and BOP insurance. [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: General Liability product page as read on 2026-09-23; no minimum size or industry restriction was published..) |
| 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..) | Pie lists bodily injury, property damage, reputation harm (slander and libel claims), product liability, and advertising injury as the categories its general liability coverage typically addresses. [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: General Liability product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions..) |
| 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..) | The reviewed page does not publish limits, deductibles, or premium ranges for general liability coverage. [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Not publicly disclosed; scope: General Liability product page as read on 2026-09-23..) |
| 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..) | Not described in the reviewed sources. |
| 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..) | Pie directs general liability buyers to contact the company to start a quote through its website. [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: General Liability product page as read on 2026-09-23..) |
| 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 Pie Insurance](https://spot.insure/compare/corgi-vs-pie-insurance): 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 Pie Insurance Business Owner’s Policy](https://spot.insure/compare/corgi-vs-pie-insurance/business-owners-policy)
- [Corgi vs Pie Insurance Cyber Insurance](https://spot.insure/compare/corgi-vs-pie-insurance/cyber)
- [Corgi vs Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-pie-insurance/professional-errors-omissions)
- [Corgi vs Pie Insurance Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-pie-insurance/workers-compensation)
- [Alliance Risk vs Corgi General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/general-liability)
- [Alliance Risk vs Pie Insurance General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-pie-insurance/general-liability)
- [Amelia Risk vs Corgi General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/general-liability)
- [Amelia Risk vs Pie Insurance General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-pie-insurance/general-liability)
- [Beazley vs Corgi General Liability Insurance](https://spot.insure/compare/beazley-vs-corgi/general-liability)
- [Beazley vs Pie Insurance General Liability Insurance](https://spot.insure/compare/beazley-vs-pie-insurance/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.

### Pie Insurance

7. [Legal](https://www.pieinsurance.com/legal). Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
8. [Workers’ Comp Insurance For Small Businesses](https://www.pieinsurance.com/workers-comp). Pie Insurance; Get a workers’ compensation quote online; insurance made for your small business; quote inputs; coverage description; quote-time and savings qualifications; AM Best link. Accessed 2026-09-16.
9. [Online Account Tutorial](https://www.pieinsurance.com/resource-center/online-account-tutorial). Pie Insurance; Payment-method updates; instant and custom certificates; policy information; document access; agent-handled custom certificate qualification. Accessed 2026-09-15.
10. [General Liability Insurance](https://www.pieinsurance.com/small-business-insurance/general-liability). Pie Insurance; What's typically covered by general liability insurance? Bodily Injury, Property Damage, Reputation Harm, Product Liability, Advertising Injury; How does general liability insurance help protect small businesses?; Make sure you're covered: Contact Us. 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.

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