What Are the Key Differences Between Corgi and Hiscox Business Owner’s Policy?
Where You Can Buy and How Fast
The states Hiscox won't sell its BOP in are Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia. Corgi publishes no state list, but its BOP isn't part of the same-day quotes it offers for general liability, cyber, D&O and other lines. Choose Hiscox if you're outside those seven states and want coverage today; choose Corgi if you're in one of them or already buy other lines from Corgi and can wait up to two weeks. [5] [3] [1]
Add-Ons Versus a Two-Part Bundle
Hiscox lets you add cyber, hired and non-owned auto, and commercial crime to the BOP; the auto and crime upgrades share the BOP's per-occurrence limit. Corgi describes its BOP as general liability plus commercial property only, so you'd quote those extras as separate Corgi policies. [6] [4] [1]
Knowing Who Pays Claims
Hiscox insures the BOP itself, so you know who pays a claim. Corgi's listing names no insurer or policy form, so you can't check the insurer's financial strength until you get a quote. [2] [1]
What Should You Confirm in Corgi and Hiscox Business Owner’s Policy Quotes?
- Check your state against Hiscox's exclusion list before you start. [5]
- Ask Corgi which insurer issues the policy. [1]
- If you need hired auto or cyber, ask Hiscox to price them as BOP upgrades and Corgi to price them as separate policies. [6] [1]
- Get your own Hiscox quote; its published California IT pricing table is only illustrative and no standard limits are listed. [3]