A new Georgia filing offers the first real look at Corgi’s licensed carrier beyond its risk retention group.

Corgi has filed to launch a commercial general liability program in Georgia through Corgi Insurance Company, Inc., its Georgia-domiciled admitted carrier.

The August 18 filings are the first we’ve seen that detail a product written through Corgi’s licensed carrier rather than Technology Risk Retention Group, which currently underwrites most of the startup’s coverage. Corgi’s website has referenced affiliated licensed carriers, but until now, their products and underwriting appetite had remained largely out of view.

The new program targets fairly conventional small commercial risks. Initial eligible classes include offices, low-hazard retail stores, personal services, self-storage facilities, restaurants with limited or no alcohol exposure, distributors, condo associations, and small apartment buildings.

Contractors, manufacturers, healthcare businesses, childcare providers, schools, bars, hotels, special events, cannabis and firearms retailers, auto-related businesses, and vacant buildings are excluded at launch.

Available limits range from $100,000/$200,000 to $1 million/$2 million, with retention options from $250 to $5,000. The forms also contemplate optional or limited coverage for abuse and molestation, marine and watercraft liability, cargo, property in custody, pollution, drones, employee benefits, firearms, and communicable disease.

The carrier has no existing commercial general liability business in Georgia, and the filings remain pending. If approved, the program will become effective upon approval.

Bottom Line: Corgi based the program’s core rating structure on a Georgia filing from Berkshire Hathaway Direct Insurance Company