Corgi vs Travelers: Business Owner’s Policy

Corgi's BOP bundles general liability and property for small and growing businesses with a 1 to 14 day turnaround; Travelers markets its BOP to small technology-services businesses and directs buyers to an independent agent.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-09-29

What Are the Key Differences Between Corgi and Travelers Business Owner’s Policy?

One Policy for a Tech Firm's Main Risks

A software consultancy that loses client data or ships a bug faces claims a standard BOP doesn't touch. Travelers' tech package adds business income, extra expense, cyber liability and errors and omissions to property and liability, for computer repair, data processing, ISPs, IT consultants and schools, software and web development, and web hosting. Corgi's BOP card names no industries and lists only liability and property, so you'd need separate cyber and E&O. Choose Travelers if your work is on its tech list; consider Corgi for a non-tech business that only needs the basics. [4] [1]

Room to Add Cover

Travelers lets you add its Xtend Endorsement, Employment Practices Liability+ and World Business Essentials for overseas work. Corgi's BOP sources list no endorsements. [4] [1]

Agent Versus Waiting on Corgi

You buy Travelers through an independent agent; its page offers no self-service quote. Corgi gives its BOP a 1 to 14 day turnaround, slower than its instant-quote lines. [4] [1]

What Should You Confirm in Corgi and Travelers Business Owner’s Policy Quotes?

  • Check your work is on Travelers' technology-services list, and ask Corgi whether it quotes your class. [4] [1]
  • Ask Corgi whether cyber and E&O can be added; Travelers includes them. [4] [1]
  • Ask both which insurer issues the policy; Travelers says it's named on the policy, and Corgi's listing names none. [4] [1]
  • Get limits and deductibles from both; neither publishes them. [4] [1]

Provider coverage details

Corgi

  • role: Corgi lists a Business Owners Policy among its main policies, but groups it with the slower, non-instant-quote products rather than the modules that get an on-page instant quote. Homepage coverage catalog as read on 2026-09-23. No dedicated BOP product page was found on corgi.insure or its sitemap.company-reportedSource ↗
  • coverage: Corgi describes its BOP as combining general liability and commercial property coverage into a single policy, designed for small and growing businesses. One-line homepage product description; no policy form, limits, exclusions or endorsement list is published for this line.company-reportedSource ↗
  • application: Corgi tags the BOP card with a 1-14 days turnaround, distinct from the same-day instant-quote path it advertises for CGL, Cyber, Tech & AI, D&O, EPLI, Fiduciary, Media and HNOA. Homepage badge language only; the reviewed sources do not describe the actual BOP application steps or underwriting requirements.company-reportedSource ↗
  • insurer: The reviewed homepage listing does not name an issuing insurer, policy form number or underwriting entity for the Business Owners Policy. Homepage catalog card as read on 2026-09-23; no dedicated BOP page exists to check for a form number or underwriter disclosure.not-disclosedSource ↗
  • limits: No limits, deductibles or retentions are published for the Business Owners Policy in the reviewed sources. Homepage catalog card only; Corgi publishes illustrative limits for several other lines (e.g. D&O, EPLI, Crime) on their own product pages, but no equivalent page exists for BOP.not-foundSource ↗

Travelers

  • role: Travelers packages this line as a Technology Services Business Owner's Policy (BOP) that bundles property insurance with liability insurance into a single policy for small technology-services businesses. Small Business Technology Services Insurance page as read on 2026-09-23.company-reportedSource ↗
  • eligibility: Travelers markets this BOP to small businesses providing technology services, including computer installation and repair, data processing services, internet service providers, IT consultants and schools, software development, web development and design, and web hosting. "Who is small business technology services insurance right for?" section.company-reportedSource ↗
  • coverage: Travelers says the Technology Services BOP includes property coverage, general liability, business income and extra expense coverage, and cyber liability and errors & omissions coverage, bundled into one policy. BOP description on the Small Business Technology Services Insurance page.company-reportedSource ↗
  • coverage: Travelers offers optional add-ons for this BOP: the Xtend Endorsement, which it describes as 15 general liability coverage enhancements including a blanket waiver of subrogation; Employment Practices Liability+ (EPL+) for claims like discrimination or wrongful termination; and World Business Essentials, which extends some property and liability coverage for periodic overseas travel. "Customize your business policy with these add-ons" section.company-reportedSource ↗
  • application: Travelers directs buyers to an independent insurance agent to tailor and purchase this BOP; the page does not offer a direct self-service online quote or bind path. "Find an insurance agent" call-to-action on the technology-services page.company-reportedSource ↗
  • insurer: The Small Business Technology Services Insurance page does not name the specific Travelers entity that issues this BOP; the issuing company is disclosed on the policy itself. Page checked on 2026-09-23; no underwriting-entity footer was present on this page.not-foundSource ↗
  • limits: The page does not publish specific coverage limits, deductibles or sublimits for the Technology Services BOP or its add-ons; those figures appear on the quote and declarations. Page checked on 2026-09-23.not-foundSource ↗

For IT, software and web businesses, Travelers' Technology Services BOP puts cyber liability and errors and omissions in the same policy as property and liability. Corgi's general BOP covers only liability and property and takes 1 to 14 days.

Sources and records

  1. 01
    Corgi Insurance: Startup Insurance, Quoted in Minutes

    Corgi Insurance · Explore Our Main Policies: Business Owners Policy (BOP) card, listed with an 1-14 days turnaround badge rather than the Instant quote badge used for CGL, Cyber, Tech & AI, D&O, EPLI, Fiduciary, Media and HNOA · accessed 2026-09-23

  2. 02
    Business Interruption and Business Owner Policy

    National Association of Insurance Commissioners · Background; General liability, Commercial property and Business interruption bullets · accessed 2026-09-16

  3. 03
    Small Business

    National Association of Insurance Commissioners · FAQ: What’s a business owners policy?; What’s general liability insurance · accessed 2026-09-16

  4. 04
    Small Business Technology Services Insurance

    Travelers · Technology services business owner's policy (BOP) section; Who is small business technology services insurance right for?; Customize your business policy with these add-ons; Find an insurance agent CTA · accessed 2026-09-23

Use this comparison as a starting point for a discussion about your business and its insurance needs.

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