What Are the Key Differences Between Corgi and The Hartford Business Owner’s Policy?
Lost Income Cover and Price Up Front
If a fire shuts your office for a month, The Hartford's BOP pays lost income as well as the property damage and liability. Corgi's listing names only general liability and property, so you'd need to ask whether lost income is covered. The Hartford also gives a price anchor: it estimates an average of $1,687 a year. Corgi publishes no premium. Choose The Hartford if you want lost-income cover and a quote today; choose Corgi if you already buy other lines there and can wait up to two weeks. [4] [1]
Add-Ons Outside the Bundle
The Hartford sells workers' compensation, professional liability, commercial auto and data breach as separate add-ons. Corgi doesn't say what it will attach to its BOP, so ask when you apply. [4] [1]
What Should You Confirm in Corgi and The Hartford Business Owner’s Policy Quotes?
- Ask Corgi whether business income is on its form. [1]
- Ask both which insurer issues the policy; The Hartford doesn't name the subsidiary, and Corgi doesn't name an insurer. [5] [1]
- Get limits, deductibles and premium in writing from both; treat The Hartford's $1,687 as an average, not your price. [4] [1]