Corgi vs WithCoverage 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.

WithCoverage is a broker, not an insurer; it reviews general liability coverage as part of a broader insurance-program audit across multiple industries it serves, including construction and restaurants, and can place or transition the coverage. ^10,11,12Company-reported. Construction and restaurant industry pages; terms confirm the issuing insurer, not WithCoverage, is responsible for policy obligations.

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 reviewed pages do not name which insurer or insurers WithCoverage places general liability coverage with for any given client. ^10,11Not found in reviewed sources. Construction and restaurant pages as read on 2026-09-23.

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.

General liability is explicitly listed among the policies WithCoverage says it reads and benchmarks during a program audit, and is named in the page hero for both construction and restaurant clients specifically. ^10,11Company-reported. Program-audit FAQ, repeated identically across WithCoverage's industry pages; hero copy on construction and restaurant pages.

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.

Not described in the reviewed sources.

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.

A named restaurant client, Bluestone Lane, is quoted saying WithCoverage saved it more than $139,000 on business insurance while the business grew year over year, and that WithCoverage's team of hospitality experts provides proactive advice. ¹¹Company-reported. Customer testimonial on the restaurant industry page; describes the overall program including general liability, not a general-liability-only figure, and is a single client's self-reported experience.

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.

WithCoverage offers a no-cost program audit that includes general liability without requiring a client to leave its current broker, typically completed in about one business day after receiving policy documents. ^10,11Company-reported. Construction and restaurant page FAQs.

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.