How Reliable Is Corgi?
Corgi reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score.
Assessment
These scores use different criteria and cannot be read against each other.
Broker Spot Score
6.0/ 10This partial Broker Spot Score covers identity and authority, carrier-network strength, disclosure clarity within the stated scope. It uses 75% of the rubric’s factor weighting, normalized to a ten-point scale. The excluded factors remain unknown, and evidence for one program does not describe another.
Partial score — 75% of this rubric’s factor weighting. Excluded: Regulatory Conduct
Assessed 2026-09-22 · Review due 2026-10-22
| Factor | Weight | Included | Score | Basis |
|---|---|---|---|---|
| Identity and Authority | 30% | 40.0%normalized | 3.0 / 4 | [1][2][4][6][7][8][10] |
| Carrier-Network Strength | 30% | 40.0%normalized | 2.0 / 4 | [1][3][9][7] |
| Regulatory Conduct | 25% | — | Excluded | A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| Disclosure Clarity | 15% | 20.0%normalized | 1.9 / 4 | [1][2][4][6][7][8][10][3][9] |
Included weights are normalized over the supported factors.
Carrier & MGA Spot Score
5.4/ 10This partial Carrier & MGA Spot Score covers identity and authority, carrier-network strength, disclosure clarity within the stated scope. It uses 40% of the rubric’s factor weighting, normalized to a ten-point scale. The excluded factors remain unknown, and evidence for one program does not describe another.
Partial score — 40% of this rubric’s factor weighting. Excluded: Financial Resilience, Claims and Servicing, Regulatory Conduct
Assessed 2026-09-22 · Review due 2026-10-22
| Factor | Weight | Included | Score | Basis |
|---|---|---|---|---|
| Identity and Authority | 15% | 37.5%normalized | 2.6 / 4 | [1][2][4][6][7][8][10] |
| Financial Resilience | 20% | — | Excluded | The available financial evidence does not establish resources and material capacity arrangements across the assessed entities and role. |
| Claims and Servicing | 20% | — | Excluded | The evidence does not sufficiently establish responsibility, access and escalation across the assessed services. |
| Carrier-Network Strength | 15% | 37.5%normalized | 2.0 / 4 | [1][3][9][7] |
| Regulatory Conduct | 20% | — | Excluded | A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| Disclosure Clarity | 10% | 25.0%normalized | 1.7 / 4 | [1][2][4][6][7][8][10][3][9] |
Included weights are normalized over the supported factors.
Evidence and Scope
Role: Hybrid provider. Scope: Corgi Insurance Services, Inc. as producer and programme administrator, verified active in Texas, Pennsylvania and Colorado only, with Corgi Insurance Company, Inc. and Technology Risk Retention Group, Inc. as the separately disclosed risk-bearing entities. Capacity is assessed for three named channels and no others: coverages written on Corgi Insurance Company's own paper, where Georgia admitted and Pennsylvania surplus-lines authorisations are verified; coverages written by Technology Risk Retention Group, an Arizona-domiciled RRG registered in Georgia; and Pennsylvania placements with the three Employers-group carriers appointed to the producer entity. The unnamed partner carriers referenced in Corgi's disclaimer, and the carriers behind Corgi business in every other state, are not assessed. The Georgia producer identifier Corgi publishes did not resolve and is outside verified scope.
Legal Identity
Corgi identifies Corgi Insurance Services as producer and administrator, and distinguishes Corgi Insurance Company, partner carriers and Technology Risk Retention Group. The insurer named in the policy controls coverage and claims obligations.[1]
Licensing
Corgi publishes agency identifiers including California 6012791 and Wisconsin 3003088729; these are company-reported producer evidence, not independent confirmation of every line, appointment or product. Rhode Island's list identifies Technology Risk Retention Group by NAIC 17763 as an RRG.[2][4]
Three of the fifty states in Corgi's published table are independently verified against state records as of 22 September 2026, and all three are current for Corgi Insurance Services, Inc. under National Producer Number 21153109: Texas General Lines Agency 3173231, Pennsylvania Producer 1188371 and Colorado Non-Resident Agency 842694, each Active with property and casualty lines. Georgia does not reconcile. The identifier Corgi publishes for Georgia, 3710375, returned no agency record on the state's licence-number search, and the alternative firm-name search requires a matching city and returned nothing for San Francisco. That leaves the Georgia identifier unresolved; it is not a finding that Corgi lacks Georgia authority, and it should be rechecked before the published table is relied on.[6][7][8][10][2]
Financial Strength
The reviewed materials do not provide a current AM Best action, statutory surplus or audited financial statement for Corgi Insurance Company. Corgi separately states that Technology Risk Retention Group has no AM Best rating; that statement is not generalized to the admitted carrier.[1][5]
State company records confirm that both risk-bearing entities exist and are authorised, and also show how new they are. Corgi Insurance Company, Inc., NAIC 17989, is Georgia-domiciled and has been active in Georgia as a property-and-casualty company only since 21 August 2026 and in Pennsylvania on a surplus-lines footing since 3 September 2026. Technology Risk Retention Group, Inc., NAIC 17763, is Arizona-domiciled and registered in Georgia since 17 July 2026. Authorisation is not capital: no statutory annual statement, surplus figure or rating action exists for either entity, and a carrier authorised for a matter of weeks has no multi-period record to assess. Corgi's own disclaimer confirms TRRG carries no AM Best rating.[9][1][5]
Risk Bearing
Corgi distinguishes producer, affiliated carrier, partner carrier and RRG roles. RRG policies are described as outside state guaranty funds, and the quote or policy is needed to identify the risk-bearing entity, claims administrator and applicable guaranty-fund treatment.[1][3]
Corgi's evidenced capacity is programme-specific and thin. For coverages written on its own affiliated paper, the issuer is Corgi Insurance Company, Inc., whose Georgia admitted authorisation and Pennsylvania surplus-lines authorisation are verified; note that Corgi's disclaimer calls it an admitted carrier while Pennsylvania records it as surplus lines, so the footing varies by state. For coverages written by Technology Risk Retention Group, the issuer is an Arizona-domiciled RRG whose policies sit outside state guaranty funds. For placements with unaffiliated markets, the only regulator-recorded relationships found are three Pennsylvania appointments effective 29 May 2026: Employers Assurance Company (NAIC 25402), Employers Compensation Insurance Company (11512) and Employers Preferred Insurance Company (10346). Those are Pennsylvania appointments of the producer entity and say nothing about the carriers behind Corgi's business in any other state. The disclaimer's reference to partner carriers 'rated A- (Excellent) or better' names no carrier and is not mapped to any programme.[1][9][7]
Claims Service
Corgi describes assistance with reporting, documentation, legal coordination and progress updates, while noting that an affiliate or third-party administrator may handle a claim. These are company-described service roles, not independent claims outcomes.[1]
Corgi states that claims on policies underwritten by Corgi-affiliated carriers may be administered by affiliated claims operations within the Corgi group and that claims may also be administered by third-party claims administrators. Both limbs are optional and no administrator is named for any programme, so which organisation would handle a given claim is a matter for the policy rather than for the disclosure. No adjuster licence was found for any Corgi entity in Texas, Pennsylvania or Colorado.[1][6][7]
Regulatory Record
NAIC guidance describes RRG annual filings, limited non-domiciliary authority and exclusion from state guaranty funds. No completed five-year conduct result is available for Corgi's agency or carrier entities.[3]
Six state records across the producer and the two risk-bearing entities were retrieved on 22 September 2026 and none carries a restriction or adverse notation. All three producer licences and both carrier authorisations are recent, so there is little history to search. A licence status is not a conduct search and no completed five-year conduct result exists for any Corgi entity.[6][7][8][9]
Evidence gaps
- Corgi's published Georgia producer identifier 3710375 returned no record in the Georgia agency licence-number search on 22 September 2026, and the firm-name route needs a matching city that was not found. The identifier is unresolved.
- Current authority is not independently established for the remaining forty-six states in the published table, including California and Wisconsin. The California lookup could not be completed.
- No statutory financial statements, policyholder surplus or rating action exist for Corgi Insurance Company, Inc. It has been authorised in Georgia since 21 August 2026 and in Pennsylvania since 3 September 2026, so there is no multi-period record to assess.
- Technology Risk Retention Group, Inc. carries no AM Best rating by Corgi's own statement, and no RRG financial filing was obtained. Its registration coverage outside Georgia and Rhode Island is not established.
- Corgi describes its carrier on the platform as admitted while Pennsylvania records it on a surplus-lines footing; the state-by-state admitted versus surplus-lines map is not published.
- The partner carriers 'rated A- (Excellent) or better' are not named, and no reinsurance, fronting or capacity terms are disclosed for any Corgi programme.
- Claims administration is described as optionally affiliated or third-party with no administrator named for any programme, and no adjuster licence was found for a Corgi entity in Texas, Pennsylvania or Colorado.
- No completed five-year conduct result is available for any Corgi entity.
Jurisdiction searches
| Jurisdiction | Result | Notes |
|---|---|---|
 California | Company-reported disclosure[2] | Corgi publishes producer identifier 6012791; the California lookup could not be completed on 22 September 2026, so current authority and lines are not independently established. |
 Wisconsin | Company-reported disclosure[2] | Corgi publishes producer identifier 3003088729. Current Wisconsin authority and lines are not independently established. |
 Texas | Verified regulator result[6] | General Lines Agency 3173231 Active to 05-10-2028 with Property and Casualty active; no carrier appointments listed. |
 Pennsylvania | Verified regulator result[7][9] | Producer 1188371 Active to 05-15-2028 with Casualty and Property active and three Employers-group appointments active from 05-29-2026; Corgi Insurance Company active on a Surplus Lines footing since 09-03-2026. |
 Colorado | Verified regulator result[8] | Non-Resident Agency 842694 Active to 06-01-2028 with Property and Casualty active. |
 Georgia | Not found in reviewed search[10][9] | The Georgia agency licence-number search returned no record for the published identifier 3710375 and the firm-name route could not be completed, so the identifier is unmatched. Corgi Insurance Company, Inc. and Technology Risk Retention Group, Inc. were both found as active Georgia company records. |
Licenses and Authority
These are reviewed authority records for the named legal entities and scope. A license record does not establish that a particular policy is available, bound, or suitable.
| Entity and jurisdiction | Identifier | License class and authority |
|---|---|---|
| Corgi Insurance Services, Inc.California | State license: 6012791[2] | Producer license listed by Corgi; Company-published; current lines and appointment scope not independently established |
| Corgi Insurance Services, Inc.Wisconsin | State license: 3003088729[2] | Producer license listed by Corgi; Company-published; current lines and appointment scope not independently established |
Corgi Insurance Company, Inc. United States | NAIC number: 17989[1] | NAIC company identifier disclosed by Corgi; Company-disclosed NAIC identifier; state-level authorisations are recorded separately below |
| Technology Risk Retention Group, Inc.United States | NAIC number: 17763[4] | RRG identifier in Rhode Island registration list; Registered RRG evidence; not a complete multi-state admitted authority inventory |
| Corgi Insurance Services, Inc.United States | National Producer Number: 21153109[6][7][8] | National Producer Number; Identifier carried on the Texas, Pennsylvania and Colorado records; Corgi's own licence page does not publish it. An NPN does not by itself establish authority in any state |
| Corgi Insurance Services, Inc.Texas | State license: 3173231[6] | General Lines Agency; Texas record retrieved 22 September 2026 shows Status Active to 05-10-2028 with the Property and Casualty qualification active; no carrier appointments are listed |
| Corgi Insurance Services, Inc.Pennsylvania | State license: 1188371[7] | Producer; Pennsylvania record retrieved 22 September 2026 shows the Producer licence Status Active to 05-15-2028 with Casualty and Property active; a duplicate Non-Resident Producer Agency row under the same number is Inactive effective 09-10-2026 |
| Corgi Insurance Services, Inc.Colorado | State license: 842694[8] | Non-Resident Agency; Colorado record retrieved 22 September 2026 shows Status Active to 06-01-2028 with Property and Casualty qualifications active |
| Corgi Insurance Services, Inc.Georgia | State license: 3710375[2][10] | Producer licence published by Corgi; Published by Corgi as its Georgia producer licence. The Georgia agency licence-number search returned no record for this identifier on 22 September 2026 and a firm-name search could not be completed, so the identifier is unresolved rather than disproved |
| Corgi Insurance Company, Inc.Georgia | NAIC number: 17989[9] | Property and Casualty company authorisation; Georgia company record retrieved 22 September 2026 shows Domicile State Georgia, Active Since 08-21-2026, Active Company Type Property and Casualty |
| Corgi Insurance Company, Inc.Pennsylvania | NAIC number: 17989[9] | Surplus Lines company authorisation; Pennsylvania company record retrieved 22 September 2026 shows Domicile State Georgia, Active Since 09-03-2026, Active Company Type Surplus Lines. Pennsylvania records the carrier on a surplus-lines footing, not as admitted |
| Technology Risk Retention Group, Inc.Georgia | NAIC number: 17763[9] | Risk Retention Group registration; Georgia company record retrieved 22 September 2026 shows Domicile State Arizona, Active Since 07-17-2026, Active Company Type Risk Retention Groups |
Sources
- Disclaimers & Licensing. Corgi Insurance; Disclaimers & Licensing, re-read 22 September 2026: 'Coverage offered through the Corgi platform is underwritten by licensed insurance carrier affiliates within the Corgi group or by third-party carrier partners'; 'Coverage may be underwritten through affiliated or partner carriers, including Corgi Insurance Company, Inc., an admitted property and casualty insurance carrier (NAIC #17989)'; 'Certain coverages may also be underwritten by Technology Risk Retention Group, Inc. (TRRG)'; 'State insurance insolvency guaranty funds are not available for policies issued by a risk retention group'; 'For risks where state-admitted paper is preferred or required, coverage may also be placed through affiliated or partner carriers that are admitted in the applicable state and rated A- (Excellent) or better by AM Best'; 'Claims on policies underwritten by Corgi-affiliated carriers may be administered by affiliated claims operations within the Corgi group. Claims may also be administered by third-party claims administrators'; 'Corgi Insurance Services, Inc. holds a producer license in every state where it operates (CA License #6012791)'. Accessed 2026-09-22.
- Insurance Producer Licenses. Corgi Insurance; Insurance Producer Licenses, re-read 22 September 2026: 50-state table for Corgi Insurance Services, Inc. including California 6012791, Georgia 3710375, Texas 3173231, Pennsylvania 1188371, Colorado 842694 and Wisconsin 3003088729. No NPN and no as-of date are shown on the page. Accessed 2026-09-22.
- Insurance Topics: Risk Retention Groups. NAIC; RRG annual filings, limited non-domiciliary authority and state guaranty-fund treatment. Accessed 2026-09-21.
- Registered Federal Risk Retention Groups. Rhode Island Department of Business Regulation; June 23, 2026 list, page 2: Technology Risk Retention Group, Inc., NAIC 17763. Accessed 2026-09-21.
- Corgi Insurance Launches Admitted Insurance Carrier. Corgi Insurance via PR Newswire; August 26, 2026 carrier launch and Corgi Insurance Company disclosure; guaranty-fund eligibility is subject to state limits. Accessed 2026-09-21.
- Texas Firm Consumer Inquiry - Corgi Insurance Services, Inc. Sircon/Texas insurance licensing lookup; Firm Consumer Inquiry for the State of Texas, retrieved 22 September 2026: CORGI INSURANCE SERVICES, INC., National Producer Number 21153109, 447 Sutter St Ste 405, San Francisco; General Lines Agency licence 3173231, Status Active, original issue 05-10-2024, expiration 05-10-2028, Property and Casualty qualification Active. No carrier appointments listed. Accessed 2026-09-22.
- Pennsylvania Firm Consumer Inquiry - Corgi Insurance Services, Inc. Sircon/Pennsylvania insurance licensing lookup; Firm Consumer Inquiry for the State of Pennsylvania, retrieved 22 September 2026: CORGI INSURANCE SERVICES, INC., NPN 21153109; Producer licence 1188371, Status Active, original issue 05-15-2024, expiration 05-15-2028, Casualty and Property qualifications Active; a separate Non-Resident Producer Agency row under the same number Inactive effective 09-10-2026. Appointments, each Status Active from 05-29-2026 with no line of authority recorded: Employers Assurance Company (NAIC 25402), Employers Compensation Insurance Company (11512) and Employers Preferred Insurance Company (10346). Accessed 2026-09-22.
- Colorado Firm Consumer Inquiry - Corgi Insurance Services, Inc. Sircon/Colorado insurance licensing lookup; Firm Consumer Inquiry for the State of Colorado, retrieved 22 September 2026: CORGI INSURANCE SERVICES, INC., NPN 21153109; Non-Resident Agency licence 842694, Status Active, original issue 05-10-2024, expiration 06-01-2028, Property and Casualty qualifications Active. No carrier appointments listed. Accessed 2026-09-22.
- State Company Consumer Inquiries - Corgi Insurance Company and Technology Risk Retention Group. Sircon/Georgia and Pennsylvania insurance licensing lookup; Company Consumer Inquiries retrieved 22 September 2026. Georgia: Corgi Insurance Company, Inc., NAIC ID 17989, Domicile State Georgia, Active Since 08-21-2026, Active Company Type Property and Casualty. Pennsylvania: CORGI INSURANCE COMPANY, INC., NAIC ID 17989, 1350 Spring Street NW Suite 450, Atlanta, GA, Domicile State Georgia, Active Since 09-03-2026, Active Company Type Surplus Lines. Georgia: Technology Risk Retention Group, Inc., NAIC ID 17763, Domicile State Arizona, Active Since 07-17-2026, Active Company Type Risk Retention Groups. Accessed 2026-09-22.
- Georgia Firm Consumer Inquiry - Corgi published Georgia identifier. Sircon/Georgia insurance licensing lookup; Firm Consumer Inquiry for the State of Georgia attempted 22 September 2026 for the identifier 3710375 that Corgi publishes as its Georgia producer licence. The agency licence-number search returned no record, and a firm-name search requires both a firm name and a city and did not return a record for CORGI INSURANCE SERVICES at San Francisco. The Georgia identifier is therefore unresolved; this is an unmatched lookup, not a finding that Corgi holds no Georgia licence. Accessed 2026-09-22.
