Aon vs Corgi: General Liability Insurance

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

Aon’s construction placement and Corgi’s startup CGL

Aon places general liability through a construction brokerage practice that spans contractors, owners, and other project participants. Corgi sells a standalone CGL policy and includes it in each listed startup package tier, from pre-seed through growth. The audience and route differ sharply: a construction project can use Aon’s market placement, while a startup can request Corgi’s named form directly. [1] [4]

Policy detail and limit illustrations

Aon’s summary describes casualty protection for third-party bodily injury or property damage tied to negligent construction or operations, without stating a form or limits. Corgi says its standard occurrence form covers third-party bodily injury, property damage, and a narrow set of personal and advertising offenses, with illustrative limits up to $1 million per occurrence and $2 million aggregate. Check the actual declarations before relying on those illustrations. [1] [3]

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

Ask Aon which construction policy form, insurer, and project aggregate will be quoted. [1] [4]
Ask Corgi to confirm the issued occurrence limits, retention, and any restrictions relevant to your startup’s operations. [1] [3]

Provider coverage details

Aon

role: Aon says its global construction practice designs and places risk solutions and uses broking experience and a global network across construction insurance lines. For general liability, this is evidence of Aon’s brokered market offering; the page does not identify the insurer for a buyer’s placement. Aon’s global construction and infrastructure practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement.company-reportedSource ↗
eligibility: Aon describes its global construction and infrastructure practice as serving contractors, owners, developers, engineers, architects, designers, financiers and investors, and says it works with organizations of varied sizes and complexity. Audience described for Aon’s global construction and infrastructure practice. It does not establish U.S. state availability or underwriting eligibility for a placement.company-reportedSource ↗
coverage: Aon lists General Liability within construction liability and describes casualty protection for third-party bodily injury or property damage associated with negligent acts during construction or operations. A policy’s actual insureds, triggers, exclusions and conditions are not stated on this practice page. Aon’s marketing description of the brokerage/coverage area. The page is not the insurer’s policy form and does not establish an insured's entitlement to coverage.company-reportedSource ↗
services: Aon describes project risk-advisory services to understand project-specific risks and develop risk-transfer, management or mitigation strategies. It also describes a global construction team and market access. These are company-reported brokerage and advisory services, not coverage benefits. Company-reported advisory services on Aon’s global practice page; account-specific service scope is not stated.company-reportedSource ↗
insurer: The reviewed practice page does not name the insurer or producing legal entity for a specific placement. Ask for both on the quote and binder. Aon’s global practice page as reviewed 2026-09-30; no state-specific placement schedule or buyer quote was reviewed. This does not establish that Aon cannot arrange a placement.not-foundSource ↗
limits: The reviewed page does not state a buyer-specific limit, retention, deductible or other placement terms. Confirm these in the quote, bond or issued policy. Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed.not-disclosedSource ↗

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 ↗

Aon places general liability through a construction brokerage practice that spans contractors, owners, and other project participants, while Corgi sells a standalone CGL policy and includes it in each listed startup package tier, from pre-seed through growth.

Sources and records

01
Construction and Infrastructure Insurance and Risk Management
Aon · Construction client audience and global placement role, lines 123–126; offering descriptions lines 135–156; coverage-area taxonomy lines 167–195; contact link lines 120–122. Global practice page; no U.S. state or account-specific placement schedule. · accessed 2026-09-30
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
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
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
05
Commercial general liability insurance
Insurance Information Institute · Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance · accessed 2026-09-16
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