--- title: "Corgi vs Simply Business: General Liability Insurance" description: "Corgi’s illustrative CORG-CGL-0100 summary describes occurrence-based third-party injury and property coverage with listed exclusions; Simply Business describes potential third-party injury, property damage and defense costs." canonical: "https://spot.insure/compare/corgi-vs-simply-business/general-liability" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "corgi-vs-simply-business" provider-a: "corgi" provider-b: "simply-business" coverage-line: "general-liability" --- 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-simply-business/general-liability) ## Agent Guide **What this page is:** Focused comparison of Corgi and Simply Business for General Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for General Liability Insurance questions about Corgi versus Simply Business. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Corgi vs Simply Business for General Liability Insurance: how do they differ? - Which is better for General Liability Insurance, Corgi or Simply Business? - What does Corgi or Simply Business publish about General Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for General Liability Insurance from Corgi or Simply Business? **Key facts:** - Line: General Liability Insurance. Providers: Corgi and Simply Business. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [Corgi vs Simply Business](https://spot.insure/compare/corgi-vs-simply-business) — parent: all coverage lines for this pair - [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — coverage explainer for this line - [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile (evidence) - [Simply Business profile](https://spot.insure/insurance-providers/simply-business) — provider profile (evidence) - [Corgi vs Simply Business Business Owner’s Policy](https://spot.insure/compare/corgi-vs-simply-business/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Corgi vs Simply Business Cyber Insurance](https://spot.insure/compare/corgi-vs-simply-business/cyber) — sibling comparison (other line, or other pair for this line) - [Corgi vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-simply-business/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Corgi vs Simply Business Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-simply-business/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Corgi General Liability Insurance](https://spot.insure/compare/aig-vs-corgi/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Simply Business General Liability Insurance](https://spot.insure/compare/aig-vs-simply-business/general-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Corgi General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/general-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Simply Business General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-simply-business/general-liability) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Corgi General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/general-liability) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Simply Business General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-simply-business/general-liability) — sibling comparison (other line, or other pair for this line) # Corgi vs Simply Business: How Do They Compare for General Liability Insurance? Corgi’s illustrative CORG-CGL-0100 summary describes occurrence-based third-party injury and property coverage with listed exclusions; Simply Business describes potential third-party injury, property damage and defense costs. ## How to Use the Corgi vs Simply Business General Liability Insurance Comparison Use this comparison to evaluate Corgi and Simply Business 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. ## Corgi vs Simply Business General Liability Insurance Summary Corgi’s illustrative CORG-CGL-0100 summary describes occurrence-based third-party injury and property coverage with listed exclusions; Simply Business describes potential third-party injury, property damage and defense costs. [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups") [9](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") ## What Is Corgi Insurance? Corgi suits technology startups wanting packages organized from pre-seed through growth, with dashboard changes as the business grows; firms seeking only a direct single-carrier policy should compare alternatives. Issuers vary by 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) ## Simply Business: Online Small-Business Insurance Marketplace Simply Business describes a digital marketplace and licensed-producer service for small businesses. The policy and selected insurer determine coverage, fees, servicing and claims responsibilities. [7](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [8](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [Simply Business profile](https://spot.insure/insurance-providers/simply-business) ## What Is General Liability Insurance? General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. [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") [12](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form") ## What Are the Key Differences Between Corgi and Simply Business General Liability Insurance? ### Form Trigger and Named Insurer Corgi identifies Technology Risk Retention Group, Inc. as issuer for CORG-CGL-0100 and describes the standard form as occurrence-based; its table is illustrative, not policy wording. Simply Business describes potential third-party accident and property-damage protection, with actual terms depending on the insurer. Ask for the proposed carrier and trigger in the issued form before comparing reporting terms. [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups") [9](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") ### Property in Your Care and Other Exclusions Corgi says its standard form excludes property in the insured’s care, custody or control, as well as cyber incidents and professional errors; its personal-and-advertising injury list is narrow. Simply Business describes potential third-party property damage and legal-defense costs; its educational summary says actual exclusions depend on the carrier’s form. Contractors and service firms should check whether work on a customer’s property falls within Corgi’s exclusion or a separate endorsement. [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups") [9](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") ### Limits and Buying Speed Corgi displays illustrative limits up to $1 million per occurrence and $2 million aggregate, and says eligible applicants may quote and bind online the same day. Simply Business uses an online quote flow but says carrier approval is required before binding. Treat Corgi’s figures as examples, and compare the actual declarations with the approved Simply Business offer. [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups") [8](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") ## What Should You Confirm in Corgi and Simply Business General Liability Insurance Quotes? - Ask Corgi whether customer property in your care is excluded and whether the proposed declarations use the illustrative limits; request Simply Business’s trigger, issuer and matching property exclusions. [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups") [8](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") - Confirm who defends covered claims, the retention or deductible, and whether either quote is actually bindable for your class and state. [6](https://www.corgi.insure/general-liability "CGL Insurance for Startups") [8](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") ## Corgi vs Simply Business General Liability Insurance Compared | Criteria | Corgi Commercial General Liability (CGL) | General liability insurance through Simply Business | | --- | --- | --- | | 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..) | Confirm in your quote. | | 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..) | Confirm in your quote. | | Who It’s For | Confirm in your quote. | The page discusses sole proprietors, partnerships, LLCs, home-based businesses, independent contractors and freelancers as examples of small-business buyers. Examples do not guarantee a carrier quote or eligibility. [9](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") (Evidence: Company-reported; scope: Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) | | 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..) | The company describes general liability as potentially addressing third-party accidents, bodily injury, third-party property damage and legal-defense costs. Its page says employee injuries are not covered by this line. This is educational material, not a policy form. [9](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") (Evidence: Company-reported; scope: Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) | | 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..) | Confirm in your quote. | | 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..) | Confirm in your quote. | | 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..) | Simply Business directs buyers to an online quote flow; its Terms say a quote is not guaranteed and the producer cannot bind a risk without panel-member approval. [9](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") [8](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) | | 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..) | Confirm in your quote. | ## Related Pages for Corgi vs Simply Business General Liability Insurance - [Corgi vs Simply Business](https://spot.insure/compare/corgi-vs-simply-business): all coverage lines, business roles, service and claims. - [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability can protect your business from covered injury and property-damage claims; your building, tools and stock need separate property coverage. - [Corgi vs Simply Business Business Owner’s Policy](https://spot.insure/compare/corgi-vs-simply-business/business-owners-policy) - [Corgi vs Simply Business Cyber Insurance](https://spot.insure/compare/corgi-vs-simply-business/cyber) - [Corgi vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-simply-business/professional-errors-omissions) - [Corgi vs Simply Business Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-simply-business/workers-compensation) - [AIG vs Corgi General Liability Insurance](https://spot.insure/compare/aig-vs-corgi/general-liability) - [AIG vs Simply Business General Liability Insurance](https://spot.insure/compare/aig-vs-simply-business/general-liability) - [Alliance Risk vs Corgi General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/general-liability) - [Alliance Risk vs Simply Business General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-simply-business/general-liability) - [Amelia Risk vs Corgi General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/general-liability) - [Amelia Risk vs Simply Business General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-simply-business/general-liability) ## Sources for Corgi vs Simply Business General Liability Insurance ### Sources About 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. ### Sources About Simply Business 7. [Our Small Business Insurance Story](https://www.simplybusiness.com/about-us/). Simply Business; Opening description and audience; digital marketplace, business types and U.S. service.. Accessed 2026-09-29. 8. [Terms of Service](https://www.simplybusiness.com/terms-conditions/). Simply Business; Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211.. Accessed 2026-09-29. 9. [General Liability Insurance for a Small Business](https://www.simplybusiness.com/business-insurance/general-liability-insurance/). Simply Business; Coverage lines 51–75; audience lines 61–65, 153–155; application and examples elsewhere on page.. Accessed 2026-09-29. ### Sources for the 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. 12. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16. Updated 2026-10-01. 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. ## Corgi Review Scores for 2026 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). ## Simply Business Review Scores for 2026 Review Score: 5.7 / 10 from 4 rated sources, equally weighted. Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0. - Trustpilot: TrustScore 4.3 (out of 5); 1901 reviews. Simply Business US Trustpilot profile. Reviews are not tied to a specific insurance line or insurer. Period: profile accessed 2026-09-29; 419 in last 12 months. Checked 2026-09-29. [Simply Business US Reviews](https://www.trustpilot.com/review/simplybusiness.com) - ConsumerAffairs: ConsumerAffairs header rating 1.0 (out of 5 (breakdown conflicts with review filters)); 148 reviews. ConsumerAffairs Simply Business page, broad business-insurance context; not line-specific. Period: page updated 2026-09-17; denominator unresolved. Checked 2026-09-29. [Simply Business Reviews](https://www.consumeraffairs.com/insurance/simply-business.html) - BBB: BBB business grade B+ (BBB letter grade). BBB profile classifies Simply Business as an insurance agency; business grade, consumer-review average and complaint ledger are separate measures, none is line-specific. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Simply Business BBB Business Profile](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591); [Simply Business BBB Complaints](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/complaints); [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews) - BBB: BBB customer review average 1.95 (out of 5); 20 reviews. BBB customer-review average for the Simply Business profile (Boston, MA). Separate from the business grade. Period: BBB review page checked 2026-09-29. Checked 2026-09-29. [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/simply-business/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/corgi-vs-simply-business/general-liability.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)