Corgi vs Withcoverage: General Liability Insurance

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

Buying New Coverage or Reviewing an Existing Program

Corgi sells a standalone CGL policy through an online quote flow and says eligible applicants can bind the same day. [2] WithCoverage reviews existing general liability as part of a broader program audit, including for construction and restaurant businesses, and can help place or transition coverage without requiring you to leave your current broker first. [6] Choose Corgi if you are looking for a new policy; choose WithCoverage if you already have coverage and want a review before renewal or a possible switch.

Published Terms and Savings Example

Corgi publishes illustrative limits of $1 million per occurrence and $2 million aggregate, with a $2,000 per-claim retention. [2] One restaurant client reported that WithCoverage’s review saved it more than $139,000 across its insurance program; the figure is self-reported and not specific to general liability. [7]

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

Ask WithCoverage which insurer it proposes for your general liability policy. [6]
Ask Corgi to confirm its declarations-page limits and retention against the online examples. [2]
Ask WithCoverage what its audit compares and whether its savings estimate applies to general liability or the full program. [7]
If you are already insured, ask what changes WithCoverage recommends for your policy and whether it can place the revised coverage. [6]

Corgi offers new general liability online with same-day binding; WithCoverage reviews existing insurance programs and can transition coverage without requiring a broker change.

Sources and records

01
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
02
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
03
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
04
Commercial general liability insurance
Insurance Information Institute · Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance · accessed 2026-09-16
05
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
06
Construction Insurance & Risk Management
WithCoverage · Hero: "One gap in GL, Builder's Risk, or Workers' Comp can wipe out a year of project profit"; Have Questions? program-audit FAQ listing General Liability among reviewed policies · accessed 2026-09-23
07
Restaurant Insurance & Risk Management
WithCoverage · Hero: "One gap in general liability, liquor liability, or workers' comp can erase a year of service"; Rackson/Bluestone Lane testimonial; Have Questions? program-audit FAQ listing General Liability among reviewed policies · accessed 2026-09-23
08
Terms & Conditions
WithCoverage · Section 8 Insurance Products: coverage subject to underwriting, carrier terms and policy documents · accessed 2026-09-23

Provider coverage details

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 ↗

WithCoverage

role: WithCoverage is a broker, not an insurer; it reviews general liability coverage as part of a broader insurance-program audit across multiple industries it serves, including construction and restaurants, and can place or transition the coverage. Construction and restaurant industry pages; terms confirm the issuing insurer, not WithCoverage, is responsible for policy obligations.company-reportedSource ↗Source ↗Source ↗
insurer: The reviewed pages do not name which insurer or insurers WithCoverage places general liability coverage with for any given client. Construction and restaurant pages as read on 2026-09-23.not-foundSource ↗Source ↗
coverage: General liability is explicitly listed among the policies WithCoverage says it reads and benchmarks during a program audit, and is named in the page hero for both construction and restaurant clients specifically. Program-audit FAQ, repeated identically across WithCoverage's industry pages; hero copy on construction and restaurant pages.company-reportedSource ↗Source ↗
services: A named restaurant client, Bluestone Lane, is quoted saying WithCoverage saved it more than $139,000 on business insurance while the business grew year over year, and that WithCoverage's team of hospitality experts provides proactive advice. Customer testimonial on the restaurant industry page; describes the overall program including general liability, not a general-liability-only figure, and is a single client's self-reported experience.company-reportedSource ↗
application: WithCoverage offers a no-cost program audit that includes general liability without requiring a client to leave its current broker, typically completed in about one business day after receiving policy documents. Construction and restaurant page FAQs.company-reportedSource ↗Source ↗