What Are the Key Differences Between Corgi and Coterie Insurance Business Owner’s Policy?
Who Qualifies and How Fast You Get Covered
Coterie only sells through appointed agents on its SimplyBind platform, and it says they can quote and bind from your name and address in minutes. It caps eligibility at 50 employees, $10 million in revenue and $1 million in building value. Corgi sells direct, but it puts the BOP among its slower products at 1–14 days, unlike the same-day path it offers for CGL, cyber and D&O. Choose Coterie if you fit its caps and have or want an agent; choose Corgi if you already buy other Corgi lines and can wait up to two weeks. [3] [2] [1]
What the Base Policy Pays For
Coterie's form, BP 00 03, adds business interruption to liability and property. It also extends to accounts receivable, income lost when a key supplier shuts down, electronic data and forgery. Endorsements include EPL, hired auto, liquor, equipment breakdown, employee dishonesty and drone liability. Corgi describes general liability and commercial property only, so Coterie documents the broader package. [1] [3] [2]
Limits Before You Apply
Coterie publishes per-occurrence limits of $300,000 to $2 million, aggregates at twice that, and $5,000 medical expense per person. Corgi publishes no limits, deductibles or insurer, so you'll see them only in the quote. [2] [1]