Alliance Risk vs Corgi: General Liability Insurance

An online instant quote and same-day binding for eligible applicants, skipping a multi-week broker review, is how Corgi sells standalone general liability; Alliance Risk is a broker naming contractors, retail and hospitality as common buyers.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-09-29

Provider coverage details

Alliance Risk

  • role: Alliance Risk arranges general liability (also called commercial general liability, or CGL) coverage as a broker rather than issuing the policy itself. General liability product page; the page describes the coverage generically and does not name Alliance Risk's specific placement process for this line.company-reportedSource ↗
  • insurer: The reviewed general liability page does not name the insurer that would issue a policy for a given buyer. General liability product page as read on 2026-09-23.not-disclosedSource ↗
  • eligibility: Alliance Risk targets general liability at businesses that operate a physical location open to the public, interact with clients or customers face-to-face, work on client property, advertise, or sell products or services, naming contractors and construction, retail and e-commerce, hospitality and food service, consulting, and manufacturing and distribution as common buyers. General liability product page; eligibility for a particular company depends on underwriting.company-reportedSource ↗
  • coverage: Alliance Risk lists bodily injury, property damage, and personal and advertising injury (libel, slander, copyright infringement, false advertising) as typically covered, and says employee injuries, professional errors, auto accidents, intentional acts, and damage to the policyholder's own property are excluded and belong to other lines such as workers' compensation, professional liability, commercial auto, or commercial property. General liability product page; coverage and exclusions described in general terms, subject to the policy as issued.company-reportedSource ↗
  • limits: The reviewed general liability page gives cost ranges (for example, small businesses around $500 annually up to larger enterprises near $25,000 a month) but does not publish specific coverage limits, retentions or deductible amounts for general liability. General liability product page as read on 2026-09-23; cost figures are illustrative premium estimates, not published limits.not-foundSource ↗
  • services: The reviewed general liability page does not describe a dedicated risk-control service, specialist team or claims-advocacy offering for this line beyond generic risk-management tips such as maintaining a safe work environment and using clear client contracts. General liability product page as read on 2026-09-23.not-foundSource ↗
  • application: The general liability page's only application route is a generic 'Get a quote' request; it does not list the specific submission information Alliance Risk asks for on this line, unlike its D&O, EPLI and fiduciary product pages. General liability product page as read on 2026-09-23.not-foundSource ↗
  • claims: The reviewed general liability page does not describe an Alliance Risk claims-handling or claims-advocacy process for this line. General liability product page as read on 2026-09-23.not-foundSource ↗

Corgi

  • role: 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. Homepage package contents and the CGL product page.company-reportedSource ↗Source ↗
  • 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. CGL scenario note 1 and policy boundaries section.company-reportedSource ↗
  • coverage: 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. CGL coverage table and scenario/policy notes; illustrative summary, not policy wording.company-reportedSource ↗
  • limits: 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. CGL coverage table, described as illustrative and possibly differing from the issued policy.company-reportedSource ↗
  • services: The reviewed CGL page does not describe risk-control, premises-safety or loss-prevention services for policyholders beyond the coverage itself. CGL product page as read on 2026-09-23.not-foundSource ↗
  • application: 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. CGL page call to action and homepage self-serve description.company-reportedSource ↗Source ↗
  • claims: 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. CGL scenario note 1, illustrated through a bodily-injury example; distinct from D&O's duty-to-reimburse structure noted on the same page.company-reportedSource ↗

What Are the Key Differences Between Alliance Risk and Corgi General Liability Insurance?

How Fast You Get Covered

Corgi has an online instant-quote flow and says eligible applicants can apply and bind the same day. [3] Alliance Risk's page offers a "Get a quote" request with no stated turnaround or list of what it needs. [1] Choose Corgi if you are a venture-backed startup that needs a certificate this week; choose Alliance Risk if you run a construction, retail or food business and want a broker to arrange cover.

What You Can See Before You Buy

Corgi shows sample limits of $1 million per occurrence and $2 million aggregate, a $100,000 damage-to-premises sublimit and a $2,000 self-insured retention you pay per claim, and names Technology Risk Retention Group as the insurer. [3] Alliance Risk publishes a cost range from about $500 a year but no limits and no insurer. [1]

What the Policy Leaves Out

Corgi's occurrence form excludes patent infringement, professional errors, cyber incidents and damage to property in your care. [3] Alliance Risk lists employee injuries, professional errors, auto accidents and your own property as outside general liability. [1]

What Should You Confirm in Alliance Risk and Corgi General Liability Insurance Quotes?

  • Ask Corgi whether a risk retention group insurer is acceptable to your landlord or customer. [3]
  • Check the retention on your Corgi declarations page; you pay it before the insurer does. [3]
  • Ask Alliance Risk for the insurer, limits and how long quoting takes. [1]

Corgi is built for startups: you can quote general liability online and eligible applicants can bind the same day, with sample limits of $1 million per occurrence and a $2,000 retention. Alliance Risk suits contractors, shops and restaurants that want a broker to arrange coverage.

Sources and records

  1. 01
    General Liability Insurance

    Alliance Risk · What is General Liability Insurance?; Who Needs General Liability Insurance?; What Does General Liability Insurance Cover?; What Doesn't General Liability Insurance Cover?; How Much Does General Liability Insurance Cost?; Risk Management Tips · accessed 2026-09-23

  2. 02
    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

  3. 03
    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

  4. 04
    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

  5. 05
    Commercial general liability insurance

    Insurance Information Institute · Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance · accessed 2026-09-16

  6. 06
    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

Use this comparison as a starting point for a discussion about your business and its insurance needs.

Contact Montgomery Risk Partners