What Are the Key Differences Between Corgi and Embroker Business Owner’s Policy?
Who Qualifies and How Fast
Embroker wants fewer than 100 employees, under $10 million in revenue and a physical location, and a home office counts. If you fit, you get a quote on its platform. Corgi sets no published size limits but marks its BOP at 1–14 days, slower than its same-day products. Choose Embroker if you’re under its limits and want a quote now; choose Corgi if you’re above them and can wait up to two weeks. [2] [1]
What the Policy Pays For
Embroker is clearer: property damage or theft, third-party injury and damage, and lost income from business interruption. Corgi names general liability and commercial property only, so you don’t know if theft or lost income are included until you ask. [1] [2]
What You’ll Still Need to Buy
Embroker says its BOP excludes cyberattacks, professional liability, employment claims and criminal acts, and you’ll usually buy workers’ compensation and commercial auto separately. You can add professional liability, EPL and spoiled-merchandise cover by endorsement. Corgi publishes no exclusions or endorsements, so its gaps only show up in the quote. [2] [1]