Corgi pairs decades of frontline experience with its AI-first carrier that pays its own claims. Specifically, several of its adjusters have spent more than two decades each handling commercial lines, fraud investigation, and litigated claims, and that experience sits at the center of every claim Corgi handles. Since Corgi is a full-stack carrier, the company that writes your policy is the same company that pays your claim, meaning a seasoned adjuster owns your file from first notice of loss through payout. This results in claims that are resolved faster, handled more accurately, and more personally.
Decades of frontline experience behind the Corgi team
Experience is the foundation of Corgi's claims operation. Anchoring it is a core of adjusters whose careers span commercial lines, fraud investigation, and litigated claims, several with more than twenty years each at the front line of the business.
"AI doesn't pay claims, we do," said Bill Leahy, claims lead at Corgi with over 20 years of industry experience. "But our AI agents read every file the moment it lands, so by the time a claim reaches my desk, I already know what matters. Now I start there, which means the insured hears back from us quicker."
The claims team uses technology to clear the administrative work that traditionally slows a claim down: it scores severity and coverage at first notice of loss, surfaces missing documentation, and flags unusual patterns across the entire book that no single adjuster could see from one desk.
"Behind every claim is someone having a bad day," said Brian Schneider, who has adjusted claims for over 25 years. "The system sees every file we've ever handled, so when something doesn't fit the pattern, it tells me before it becomes a problem. I'm catching things now I'd have had no way to catch before. That means fewer surprises for the insured and a decision they can trust."
Corgi pays its own claims. A broker doesn't.
This is the difference most policyholders never think about until they file a claim. When you buy insurance through a traditional broker, the broker is not the company that pays you. The broker places your policy with a separate carrier, and that carrier, often through additional wholesalers or third-party administrators, is the party actually responsible for the payout. When you file a claim, your file travels back through those different layers, and the broker who sold you the policy has little or no control over how the claim is handled or what the carrier decides. The seller and the payer are several steps apart, and no amount of good intention closes that gap.
Corgi is built the other way. As a full-stack carrier, Corgi underwrites the policy and pays the claim. The company you bought your coverage from is the company that stands behind it, and the adjuster on your file has direct authority to move it forward. That is why a Corgi claim is handled by one accountable team from start to finish, and it is a structure a broker model cannot replicate.
Faster and more accurate
The result is something the industry has long treated as a trade-off: speed and personal attention delivered together. For Corgi's policyholders (across technology, professional liability, and specialty risks) that means claims resolved correctly, handled personally, and paid on time. It's a simple idea in theory, but one the industry has struggled to operationalize at scale.
Frequently asked questions
Does Corgi pay its own claims?
Yes. Corgi is a full-stack insurance carrier. It underwrites its own policies and pays its own claims, rather than placing your coverage with a separate carrier the way a broker does.
How experienced is Corgi's claims team?
Corgi's adjusters bring decades of experience across commercial lines, fraud investigation, and litigated claims, with several team members carrying more than 20 to 25 years each.
Who makes claims decisions at Corgi?
Experienced adjusters do. Coverage and claims decisions are made by people, not algorithms, with human authority over every outcome.
How does filing a claim with Corgi compare to going through a broker?
With a broker, the company that sold your policy is several steps removed from the carrier that pays the claim. With Corgi, the seller and the payer are the same company, so one accountable team handles your claim from first notice of loss through payout.
How fast does Corgi resolve claims?
Corgi resolves commercial claims 2.5x faster by pairing an experienced adjusting team with technology that removes administrative delay.
About Corgi Insurance
Corgi Insurance is an AI-native insurance carrier delivering modern claims and underwriting for commercial policyholders. By pairing experienced adjusters with purpose-built technology, Corgi resolves claims faster and more accurately while keeping people at the center of every decision. Learn more at corgi.com.
