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. 1,2,3,4,5
THREE small business insurance: coverage, issuer and buying routes
THREE markets a packaged commercial insurance product through a direct quote route and partner agents. Berkshire Hathaway Direct Insurance Company is named as issuer on THREE’s sample policy. 7,8
Read the THREE by Berkshire Hathaway profile
Read the THREE by Berkshire Hathaway General Liability Insurance page
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. 10,11,12
Key Differences in General Liability Insurance
Standalone CGL or Package Component
Corgi sells CGL as a standalone policy and includes it in each startup package tier it lists. THREE presents general liability as part of its combined Business Owners Policy. A startup can compare Corgi's line-level option with the full package THREE proposes, checking whether other requested coverages are bundled and whether the CGL limit is separately stated. 2 9
Occurrence Form and Example Limits
Corgi describes an occurrence-based form, with illustrative limits up to $1 million per occurrence and $2 million aggregate, a $100,000 damage-to-premises sublimit, $5,000 medical payments per person and a $2,000 retention. Its standard wording excludes professional errors, cyber incidents and property in the insured's care. THREE lists the general-liability line without comparable figures or trigger details in the reviewed record. Compare the declarations and exclusions rather than treating Corgi's examples as guaranteed terms. 6 9
Quote and Defense Process
Corgi offers an online instant-quote route and says eligible applicants may apply and bind the same day; its insurer has a duty to defend covered claims subject to the retention. THREE directs prospects to an online package quote with licensed advisors available. Ask both who appoints defense counsel and what retention must be paid before defense begins. 6 6 7
What to Confirm in General Liability Insurance Quotes
- Ask Corgi to confirm occurrence limits, the premises sublimit, medical payments and retention; ask THREE to list its trigger, limits and retention in writing. 6 9
- Compare exclusions for professional services, cyber events and property in care, custody or control, and identify who appoints defense counsel. 6 9
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Corgi
Review Score
No reviews found
The reviewed sources did not yield customer reviews; the inspected Trustpilot profiles showed none. Its Trustpilot page exists but shows no reviews or rating.[4][8]
Read Corgi reviewsTHREE by Berkshire Hathaway
Review Score
2 rated sources
The inspected sources report separate measures: NerdWallet’s 4.0/5 editorial rating is excluded from the source-rating average; Trustpilot displayed 2.5/5 from five user posts and BBB displayed 4.8/5 from 265 reviews. Trustpilot and BBB include different purchase, service and agent/intermediary interactions, not a verified common policyholder cohort. BBB separately lists complaints. Any source-rating average weights eligible platforms equally and is not a pooled, representative customer-experience estimate or a claims-quality measure.[4][3][1][2]
Read THREE by Berkshire Hathaway reviewsOffering Details
Corgi vs THREE by Berkshire Hathaway: General Liability Insurance: documented features by provider
| Criteria | Corgi Commercial General Liability (CGL) | THREE Business Owners Policy |
|---|---|---|
| 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. 2,6Company-reported. Homepage package contents and the CGL product page. | THREE presents General Liability as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. 9Company-reported. Company-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant. |
| 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. 6Company-reported. CGL scenario note 1 and policy boundaries section. | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. 8Company-reported. This is the issuer named on the public sample only; the sample does not establish the issuing entity for every state-specific quote or buyer's issued policy. |
| Who It’s For | Confirm in your quote. | The reviewed product page does not state separate eligibility rules for General Liability; the general quote and advisor route is not proof that a particular business qualifies for it. 9,7Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms. |
| 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. 6Company-reported. CGL coverage table and scenario/policy notes; illustrative summary, not policy wording. | THREE's Business Owners Policy page lists General Liability among its marketed coverage categories in the combined policy. This describes the product page, not whether the category appears in a particular quote or responds to a loss. 9,8Company-reported. Official THREE package marketing for General Liability. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy. |
| 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. 6Company-reported. CGL coverage table, described as illustrative and possibly differing from the issued policy. | The reviewed public product page does not state a separate limit or deductible for General Liability; THREE says the quote-specific insurance summary lists limits and deductibles. 9,8Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible. |
| Risk Services | The reviewed CGL page does not describe risk-control, premises-safety or loss-prevention services for policyholders beyond the coverage itself. 6Not found in reviewed sources. 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. 6,2Company-reported. CGL page call to action and homepage self-serve description. | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. 7Company-reported. This is the route for the overall THREE product. It does not show whether General Liability will be offered for a particular business or whether a customer can bind that line without an issued policy. |
| 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. 6Company-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. | Confirm in your quote. |
Full Comparison
More Corgi vs THREE by Berkshire Hathaway Comparisons
Other General Liability Insurance Comparisons
Sources
Corgi
- Disclaimers & Licensing. 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.
- Corgi Insurance: Startup Insurance, Quoted in Minutes. Corgi Insurance; Coverage Designed Around Your Startup's Journey: package contents listing CGL in every package tier. Accessed 2026-09-23.
- Corgi Insurance Launches Admitted Insurance Carrier. PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
- NAIC Listing of Companies. National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
- 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.
- CGL Insurance for Startups. 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.
THREE by Berkshire Hathaway
- Jargon-free small business insurance - THREE by Berkshire Hathaway. Berkshire Hathaway Direct Insurance Company, dba THREE; Lines 23, 39, 70–81 and 406–410: business location quote entry, single-policy description, issuer, business focus, online quote and licensed Small Business Advisor route. Quote entry inspected without submitting a form. Accessed 2026-09-30.
- The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway. Berkshire Hathaway Direct Insurance Company, dba THREE; State-selectable sample policy: Summary (Declarations) identifies Berkshire Hathaway Direct Insurance Company as issuer and says the insurance summary lists limits and deductibles; sample policy text and state selection do not establish terms for a particular quote or issued policy. Accessed 2026-09-30.
- Business Owners Policy - THREE by Berkshire Hathaway. Berkshire Hathaway Direct Insurance Company, dba THREE; Product page: “No need for multiple policies” and one comprehensive policy; Business Liability, Property and Business Auto categories and the listed line names. Product page footer identifies Berkshire Hathaway Direct Insurance Company, dba THREE. Accessed 2026-09-30.
General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. 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.
- Commercial General Liability Coverage Form. 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.
