What Are the Key Differences Between Corgi and Hiscox General Liability Insurance?
Risk Retention Group vs. Admitted Carrier
Corgi's CGL page names Technology Risk Retention Group, Inc. as the underwriter, while Hiscox's small-business materials name Hiscox Insurance Company Inc. for admitted general liability. The reviewed offering records do not establish every regulatory or guaranty-fund consequence of those roles, so the applicable state and contract requirements still need confirmation. [2] [6]
Where Each Is Available
Hiscox says it's licensed to sell general liability online in 49 states and the District of Columbia, with coverage unavailable in Alaska, directing buyers there to a specialist broker instead. [5] Corgi's reviewed pages don't describe a similar state-by-state restriction; its online instant-quote flow is framed around eligibility criteria rather than a named list of excluded states. [2]
What Each Adds Beyond Standard Coverage
Hiscox adds an electronic-data-liability provision for IT and technology professions on top of its standard general-liability coverage. [5] Corgi's form instead specifies what it excludes rather than adds — patent infringement, professional errors, cyber incidents and damage to property in the policyholder's care, custody or control — a narrower personal-and-advertising-injury list than a general liability buyer might expect. [2]
What Should You Confirm in Corgi and Hiscox General Liability Insurance Quotes?
- Confirm Hiscox sells directly in your state, since it does not sell general liability online in Alaska. [5]
- Ask Corgi whether its risk-retention-group underwriter satisfies any specific state or contract requirement your landlord or client has. [2]
- Compare Corgi's illustrative $1 million/$2 million limits against Hiscox's actual quote, since Hiscox's page shows only illustrative California pricing rather than a standard limit. [2] [5]
- Ask both companies how a claim gets reported and who validates coverage. [2] [5]