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

The Hartford reports average GL premiums of about $810 a year and sells GL stand-alone or bundled in a BOP. Corgi sells standalone CGL, with same-day binding for eligible applicants.

Corgi's CGL is underwritten by Technology Risk Retention Group and quoted for startup applicants. The Hartford underwrites its own general liability policy directly and reports an average premium of about $810 a year. ^1,³

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

Who Underwrites the Policy

Corgi's CGL page names Technology Risk Retention Group, Inc. as its insurer. ¹ The Hartford underwrites its own general liability insurance directly, offering it standalone or bundled into a Business Owner's Policy. ³

Who Each Is Built For

Corgi's CGL folds into startup package tiers by funding stage, from Pre-Seed & Seed through Growth Stage. ² The Hartford names specific professions it targets — architects, engineers, photographers, hair salons, gym owners, interior designers, technology companies, landscapers and real estate agents — built around businesses that meet clients face-to-face or work on client property. ³

What Each Publishes About Cost

Corgi lists illustrative limits ($1 million per occurrence, $2 million aggregate) but not a premium figure. ¹ The Hartford instead reports an average premium across its book:

The Hartford reports average GL premiums of about $810 a year ($67 a month) for its customers, and says cost varies by business type, revenue, employee count, location, coverage limits/deductibles and claims history; the page does not publish standard limit or deductible amounts. ³Company-reported. Company-reported average as of 2026-09-23; not a specific quote.

Claims Handling

The reviewed Corgi page describes a duty-to-defend structure where the insurer appoints and pays defense counsel, subject to the retention. ¹ The Hartford publishes a 24/7 general liability claims phone line and an online claim form covering multiple policy types. ⁴

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

Ask Corgi to confirm its declarations-page limits and retention match the illustrative figures on its site. ¹
Ask The Hartford for an actual quote rather than relying on its reported book-wide average premium. ³
Compare each provider's product-liability handling: Corgi's form covers it within CGL, while The Hartford includes it in GL but sells product recall only as an endorsement. ¹ ³
Ask whether your business type matches the specific professions The Hartford names as its underwriting focus. ³

Corgi vs The Hartford General Liability Insurance Compared

Corgi vs The Hartford: General Liability Insurance: documented features by provider

Criteria	Corgi Commercial General Liability (CGL)	The Hartford 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.	The Hartford reports average GL premiums of about $810 a year ($67 a month) for its customers, and says cost varies by business type, revenue, employee count, location, coverage limits/deductibles and claims history; the page does not publish standard limit or deductible amounts. ³Company-reported. Company-reported average as of 2026-09-23; not a specific quote.
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.	The Hartford lists key coverages under its GL policy: bodily injury, property damage, personal and advertising injury (like libel or false advertising claims), legal fees/judgments/settlements, copyright infringement in advertising, products-completed operations (claims after a job is finished), and medical payments for minor injuries regardless of fault. Product liability coverage is included as part of the GL policy, while product recall is available only as an endorsement. ³Company-reported. General liability product page as read 2026-09-23. Coverage descriptions are general; the issued policy controls.
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.	The Hartford's general liability insurance (GLI), also called commercial general liability (CGL), helps protect small businesses from third-party claims of bodily injury or property damage. It can be bought as a stand-alone policy or bundled into a Business Owner's Policy. ³Company-reported. General liability product page as read 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. ¹Company-reported. CGL scenario note 1, illustrated through a bodily-injury example; distinct from D&O's duty-to-reimburse structure noted on the same page.	The Hartford provides a 24/7 general liability claims phone line (800-327-3636) and an online claim form, with a policy-type selector that also covers cyber, employee benefits, property and workers' compensation claims. ⁴Company-reported. GL claims page as read 2026-09-23. Describes intake channels, not claim outcomes.