Corgi vs Travelers General Liability Insurance

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.

Travelers underwrites general liability insurance as a standalone policy or as part of its Business Owner's Policy for small businesses. ¹⁰Company-reported. Product page "How do I purchase general liability insurance?" FAQ.

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.

Not described in the reviewed sources.

Not described in the reviewed sources.

Travelers markets general liability to any business that could face a bodily-injury or property-damage claim, with industry-specific variants such as EnergyPro CGL for oil and gas and Synergy for life sciences (medical device, pharmaceutical and digital health) companies. ¹⁰Company-reported. Product page "Who is general liability insurance right for?", oil and gas and life sciences sections.

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.

Travelers says the policy typically provides premises liability, products liability, and personal and advertising injury liability (covering offenses such as slander, libel, wrongful eviction and advertising copyright infringement), plus liability of others assumed in specifically defined contracts. ¹⁰Company-reported. Product page "What is general liability insurance?" and "What does general liability insurance cover?" sections; exact terms and exclusions are set by the issued policy.

Travelers says general liability does not cover claims related to the quality of your work or professional negligence, or theft of your own tools, equipment or inventory; it points to professional liability/E&O and commercial property or BOP coverage for those risks instead. ¹⁰Company-reported. Product page "Does general liability insurance cover all my legal risks?" and "Does general liability cover theft?" FAQs.

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 page does not publish standard general liability limits or premiums; it says cost varies by industry, risk exposure, location, claims history and other factors, and points buyers to a commercial umbrella policy for higher limits. ¹⁰Not publicly disclosed. Product page "How much does general liability business insurance cost?" FAQ.

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.

Travelers says general liability customers can draw on more than 600 Risk Control consultants and a dedicated Claim team. ¹⁰Company-reported. Product page Risk Control and Claim sections.

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.

General liability is bought through a Travelers independent agent, who can customize coverage and help set up the policy. ¹⁰Company-reported. Product page "How do I purchase general liability insurance?" FAQ.

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.

Not described in the reviewed sources.