---
title: "Corgi vs Relm Insurance General Liability Insurance"
description: "Corgi sells CGL directly to startups online; Relm sells general liability through brokers placing coverage for higher-risk industries."
canonical: "https://spot.insure/compare/corgi-vs-relm/general-liability"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Corgi vs Relm Insurance General Liability Insurance

Corgi sells CGL directly to startups online; Relm sells general liability through brokers placing coverage for higher-risk industries.

## Research Scope and Use

Use this comparison to evaluate Corgi and Relm 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 underwrites and quotes CGL directly online for startup package tiers. Relm markets general liability to brokers, targeting high-growth or heavily regulated fields like cannabis, biotech and aerospace, without naming an issuing insurer. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups") [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty 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 Relm Insurance?

Relm is a specialty insurance business serving emerging industries. Its AI range distinguishes developer liability, gaps in existing liability insurance and losses from third-party AI failures. [7](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [8](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions")

[Relm Insurance profile](https://spot.insure/insurance-providers/relm)

## 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. [10](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in General Liability Insurance

### Distribution Model

Corgi sells CGL as a standalone policy and folds it into every startup package tier it lists. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") Relm sells general liability through brokers. [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

### Who Each Is Built For

Corgi's packages target startups moving through funding stages, from Pre-Seed & Seed to Growth Stage. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") Relm names high-growth, high-risk or heavily regulated fields specifically — cannabis, biotech, psychedelic therapeutics, aerospace and defense, and technology — and says coverage is often required by leases and enterprise or government contracts. [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

### What the Base Form Covers and Excludes

Both cover third-party bodily injury, property damage and personal/advertising injury as their core insuring agreements. [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups") [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") Corgi's form separately excludes cyber incidents and professional errors, while Relm describes its casualty-wide exclusions as employee injuries, professional errors, and intentional or criminal acts by directors or employees. [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups") [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

### Who Names the Insurer

Corgi's CGL page names Technology Risk Retention Group, Inc. as insurer. [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups") Relm's casualty page does not name an issuing insurer for general liability placements. [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

## What to Confirm in General Liability Insurance Quotes

- Ask Relm which insurer would underwrite your specific placement, since its casualty page names none. [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")
- Ask Corgi whether the declarations-page limits and retention match the illustrative figures on its site. [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups")
- If your business is in a regulated field Relm names, ask what underwriting information it requires beyond what's described on the casualty page. [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")
- Confirm whether Corgi's CGL exclusions for cyber and professional errors line up with Relm's casualty-wide exclusions for your business's actual risk profile. [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups") [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance")

## Offering Details

| Criteria | Corgi Commercial General Liability (CGL) | Relm 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..) | Relm markets General Liability Insurance (GLI) as a casualty line brokers can place for clients, grouped alongside its product and excess liability products on the same casualty page. [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement..) |
| 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 does not name a specific issuing insurer for general liability placements. [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Not publicly disclosed; scope: Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific..) |
| Who It’s For | Not described in the reviewed sources. | Relm says general liability is often required by leases and by enterprise or government contracts. It highlights companies in high-growth, high-risk or heavily regulated fields such as cannabis, biotech, psychedelic therapeutics, aerospace and defense, and technology. [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Casualty page framing; not a guarantee of eligibility for a particular company..) |
| 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..) | Relm says GLI covers third-party bodily injury (medical expenses, legal defense, damages), third-party property damage, and personal and advertising injury claims such as libel, slander, false arrest, malicious prosecution, copyright infringement and privacy violations. [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Casualty page 'What is General Liability Insurance?' section; the issued policy and declarations control..)<br><br>Relm says casualty coverage generally excludes employee injuries (covered by workers' compensation), professional errors (covered by E&O), intentional or criminal acts by directors or employees, and damages from illegal activities. [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Casualty page 'What Does Casualty Insurance Not Cover?' section; applies across Relm's casualty lines, not GLI-specific exclusions only..) |
| 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..) | Not described in the reviewed sources. |
| 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..) | Relm sells general liability coverage through insurance brokers; its reviewed pages do not describe a direct online quote. [9](https://relminsurance.com/lines-of-business/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Casualty page framing; consistent with Relm's broader broker-distribution model..) |
| 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 Relm Insurance](https://spot.insure/compare/corgi-vs-relm): 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 Relm Insurance Crime Insurance](https://spot.insure/compare/corgi-vs-relm/crime)
- [Corgi vs Relm Insurance Cyber Insurance](https://spot.insure/compare/corgi-vs-relm/cyber)
- [Corgi vs Relm Insurance D&O Insurance](https://spot.insure/compare/corgi-vs-relm/directors-officers)
- [Corgi vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/corgi-vs-relm/employment-practices)
- [Corgi vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/corgi-vs-relm/fiduciary)
- [Corgi vs Relm Insurance Media Liability Insurance](https://spot.insure/compare/corgi-vs-relm/media)
- [Corgi vs Relm Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-relm/professional-errors-omissions)
- [Corgi vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/corgi-vs-relm/technology-errors-omissions)
- [Corgi vs Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/corgi-vs-relm/umbrella-excess)
- [Alliance Risk vs Corgi General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/general-liability)
- [Alliance Risk vs Relm Insurance General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-relm/general-liability)
- [Amelia Risk vs Corgi General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/general-liability)
- [Amelia Risk vs Relm Insurance General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-relm/general-liability)
- [Beazley vs Corgi General Liability Insurance](https://spot.insure/compare/beazley-vs-corgi/general-liability)
- [Beazley vs Relm Insurance General Liability Insurance](https://spot.insure/compare/beazley-vs-relm/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.

### Relm Insurance

7. [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/). Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
8. [Relm Launches AI Liability Solutions](https://relminsurance.com/relm-insurance-launches-ai-suite/). Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
9. [Casualty Insurance](https://relminsurance.com/lines-of-business/casualty-insurance/). Relm Insurance; What is General Liability Insurance?; What Does Casualty Insurance Not Cover?; Is Casualty Insurance Mandatory?; Who Needs Casualty Insurance?. Accessed 2026-09-23.

### General Liability Insurance Guide

10. [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.
11. [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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