What Are the Key Differences Between Corgi and Gallagher Business Owner’s Policy?
Knowing What You're Buying
Gallagher's BOP page reads like a coverage summary: general liability for bodily injury, third-party property damage, personal and advertising injury, third-party medical expenses and defense costs, plus property cover for a rented space and the equipment in it. Corgi's listing names only general liability and commercial property, with no exclusions. If you want to judge fit before talking to anyone, Gallagher gives you far more to work with. Choose Gallagher if you rent your workspace and want to know the gaps before you buy; Corgi's listing gives you too little to pick it on coverage alone. [2] [1]
What Gallagher Excludes
Gallagher lists damage to your own equipment and rented property, employee injuries, malpractice, discrimination or fraud, intentional injury and failure to protect sensitive information as not covered. That means you'll need workers' compensation, professional liability, EPLI and cyber separately. Corgi publishes no exclusion list, so you won't know its gaps until you read the quote. [2] [1]
How Fast You Get a Quote
Corgi marks its BOP as a 1–14 day product, outside its instant-quote policies, so budget up to two weeks. Gallagher offers an online quote form, a weekday advisor line at 1-833-292-9441 or a scheduled callback, and places the BOP with partner carriers. [1] [3] [2]
What Should You Confirm in Corgi and Gallagher Business Owner’s Policy Quotes?
- Ask Gallagher which partner carrier issues the policy. [2]
- Ask Corgi which insurer issues its BOP and whether advertising injury and defense costs are included. [1]
- Ask Gallagher how its exclusion for damage to your own equipment squares with the equipment cover in a rented space. [2]
- Get limits in writing from both; neither publishes them. [1] [2]