biBERK vs Corgi: General Liability Insurance

Corgi sells general liability to startups at every listed funding stage and shows illustrative limits up to $1 million per occurrence and $2 million aggregate; biBerk describes premises and product-harm claims with online buying.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-10-01

Provider coverage details

biBerk

  • coverage: biBerk GL describes third-party bodily injury and property-damage claims, including customer injury on business premises. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business general liability. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage.company-reportedSource ↗
  • coverage: biBerk says GL can address product-liability lawsuits and associated legal/medical costs when a product harms a person or property. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: GL product-liability coverage. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage.company-reportedSource ↗
  • application: biBerk says customers can buy its GL policy online and can get help choosing coverage from a licensed insurance expert. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business GL. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage.company-reportedSource ↗

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 biBerk and Corgi General Liability Insurance?

Customer injury: Corgi names a form and biBerk names a setting

Corgi’s illustrative summary identifies the standard CORG-CGL-0100 as occurrence-based and says it covers third-party bodily injury. biBerk names customer injury on business premises as an example. These facts give a startup two different items to inspect, but a trigger description is not the same thing as a premises scenario, and biBerk’s selected claim does not state its trigger. Corgi also cautions that its summary is illustrative rather than policy wording. [3] [1]

Evidence hold: the custody exclusion has no paired biBerk term

Corgi says its standard-form summary excludes damage to property in the insured’s care, custody, or control. biBerk describes third-party property-damage claims but does not address that custody scenario in the selected claim. Do not read the general category as an affirmative response to the exclusion. Without matching biBerk wording, the source record cannot support a second paired treatment and this page remains held. [3] [1]

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

  • Does Corgi’s proposed form retain the illustrative occurrence trigger and custody/property limitation? [3]
  • Which biBerk form addresses customer property held in your care, custody, or control? [1]

Corgi identifies its standard CORG-CGL-0100 form as occurrence-based and says it excludes damage to property in the insured’s care, custody, or control; biBerk names customer-premises injury and third-party property claims.

Sources and records

  1. 01
    General Liability Insurance From biBerk | Get A Quote Today

    biBerk · What GL Covers · accessed 2026-09-28

  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.

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