Corgi vs Risklytics: How Do They Compare for General Liability Insurance?

With carriers that specifically want robotics and hardware risk, Risklytics (a licensed producer) places GL and adds no broker fee to the premium. Corgi sells standalone CGL online, with same-day binding for eligible applicants.

Corgi's CGL is underwritten by Technology Risk Retention Group and quoted for general startup applicants. Risklytics describes itself as a licensed producer that says it places general liability with insurers willing to write robotics, autonomy and AI risk, without naming the carrier. ^2,^1,³

What Are the Key Differences Between Corgi and Risklytics General Liability Insurance?

Underwriter Versus Producer

Corgi's CGL page names its own insurer, Technology Risk Retention Group, Inc. ¹ Risklytics Insurance Services describes itself as a licensed producer (NPN 22311838) that places its General Liability Insurance with outside carriers it does not name on its site. ³

Who Each Is Built For

Corgi's CGL folds into general startup package tiers by funding stage. ² Risklytics targets a narrower segment: businesses whose machines operate around people, saying this line "needs the right insurers" because generic carriers are wary of that risk.

Risklytics says this line “needs the right insurers” because machines operating around people make generic insurers wary, and that it places with carriers that specifically want robotics and hardware risk. ³Company-reported. Lines page.

Published Limits

Corgi's site lists illustrative limits of $1 million per occurrence and $2 million aggregate. ¹ Risklytics lists a "typical ask" of the same $1 million per incident and $2 million total per year, describing it as a common requested figure rather than a guaranteed policy limit. ³

How You Buy

Corgi's flow is self-serve online with same-day binding for eligible applicants. ¹ Risklytics also runs an online application and says a licensed producer stays on the file until the program binds, with no broker fee on top of premium. ⁵

What Should You Confirm in Corgi and Risklytics General Liability Insurance Quotes?

Ask Risklytics which specific carrier is underwriting your policy, since its site names none. ³
Ask Corgi to confirm its declarations-page limits and retention match the illustrative figures on its site. ¹
If your business involves robotics or hardware operating near people, ask Corgi whether its standard CGL form is appropriate versus a specialist placement. ¹ ³
Confirm whether Risklytics' "typical ask" limit matches what a bound policy would actually provide for your business. ³

Corgi vs Risklytics General Liability Insurance Compared

Corgi vs Risklytics: General Liability Insurance: documented features by provider

Criteria	Corgi Commercial General Liability (CGL)	Risklytics General Liability Insurance
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. ¹Company-reported. CGL coverage table, described as illustrative and possibly differing from the issued policy.	Risklytics lists a typical ask of $1 million per incident and $2 million total per year for this line, describing it as a typical requested limit rather than a guaranteed policy limit. ³Company-reported. Lines page; actual limits are set on the bound policy.
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. ^1,²Company-reported. CGL page call to action and homepage self-serve description.	You start Risklytics General Liability Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. ^5,⁴Company-reported. Pricing page describes the general application and fee process, not a line-specific form.
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. ¹Company-reported. CGL coverage table and scenario/policy notes; illustrative summary, not policy wording.	Risklytics describes General Liability as responding when someone outside the company is hurt or their property is damaged, giving examples of a falling bracket damaging customer equipment and a visitor tripping at a demo, and says it does not respond to a customer's financial loss from a product failure (that falls under Tech E&O). ³Company-reported. Lines page; the issued policy and declarations control actual coverage.
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. ^2,¹Company-reported. Homepage package contents and the CGL product page.	Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics General Liability Insurance with outside carriers; it says it does not underwrite policies itself. ⁴Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.
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. ¹Company-reported. CGL scenario note 1 and policy boundaries section.	Risklytics does not name the carrier that underwrites Risklytics General Liability Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. ^3,⁴Company-reported. Lines page and about page; no specific insurer is published for this line.