What Are the Key Differences Between Corgi and Simply Business General Liability Insurance?
Form Trigger and Named Insurer
Corgi identifies Technology Risk Retention Group, Inc. as issuer for CORG-CGL-0100 and describes the standard form as occurrence-based; its table is illustrative, not policy wording. Simply Business describes potential third-party accident and property-damage protection, with actual terms depending on the insurer. Ask for the proposed carrier and trigger in the issued form before comparing reporting terms. [2] [6]
Property in Your Care and Other Exclusions
Corgi says its standard form excludes property in the insured’s care, custody or control, as well as cyber incidents and professional errors; its personal-and-advertising injury list is narrow. Simply Business describes potential third-party property damage and legal-defense costs; its educational summary says actual exclusions depend on the carrier’s form. Contractors and service firms should check whether work on a customer’s property falls within Corgi’s exclusion or a separate endorsement. [2] [6]
Limits and Buying Speed
Corgi displays illustrative limits up to $1 million per occurrence and $2 million aggregate, and says eligible applicants may quote and bind online the same day. Simply Business uses an online quote flow but says carrier approval is required before binding. Treat Corgi’s figures as examples, and compare the actual declarations with the approved Simply Business offer. [2] [7]
What Should You Confirm in Corgi and Simply Business General Liability Insurance Quotes?
- Ask Corgi whether customer property in your care is excluded and whether the proposed declarations use the illustrative limits; request Simply Business’s trigger, issuer and matching property exclusions. [2] [7]
- Confirm who defends covered claims, the retention or deductible, and whether either quote is actually bindable for your class and state. [2] [7]