Alliance Risk vs 
Corgi Business Owner’s Policy
Alliance Risk arranges a BOP with business interruption and listed endorsements; Corgi lists a BOP combining general liability and commercial property with a stated 1–14 day turnaround.
What Is Alliance Risk?
Alliance Risk describes itself as an independent commercial insurance brokerage serving complex businesses, including technology startups. Its offering includes technology E&O placement and review of existing policies. 1,2
What Is Corgi Insurance?
Corgi Insurance sells commercial coverage to technology startups through stage-based packages (pre-seed and seed, Series A, and growth stage) that combine general liability, directors and officers, technology E&O, cyber, and related lines, alongside a growing small-business product line for other industries. Coverage may be issued by Corgi’s own risk retention group, an affiliated admitted carrier, or a partner insurer, so the issuing entity and available protections depend on the specific product and state. 5,6,7,8,9
What Is a Business Owner’s Policy?
A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. 10
Key Differences in Business Owner’s Policy
Business Interruption and Endorsements Versus Listed Components
Alliance Risk describes a BOP that bundles general liability, commercial property and business interruption, with optional cyber, equipment breakdown, hired and non-owned auto and EPLI. Corgi’s listing names general liability and commercial property but does not name business interruption or those endorsements. The two labels therefore do not establish the same contract. 3 6
Quote Timing and Route
Alliance Risk directs applicants to an online quote form or a risk-advisor consultation. Corgi groups its BOP with products tagged for a 1–14 day turnaround, apart from the same-day instant-quote modules listed on its homepage. 3 6
Issuer and Separate Policies
Alliance Risk says its BOP excludes professional liability, workers’ compensation, commercial auto, flood and earthquake, each of which needs separate coverage. Corgi’s reviewed listing names neither an issuing insurer nor a policy form for this BOP. 3 6
What to Confirm in Business Owner’s Policy Quotes
- Ask Corgi whether business interruption is included and which endorsements can be added. 6
- Confirm the 1–14 day Corgi turnaround against the route and timing available from Alliance Risk. 6 3
- Get the issuing insurer, form, limits, deductibles and sublimits from both quotes; the reviewed records do not publish a complete set of those terms. 3 6 6
- Confirm which Alliance Risk exclusions require separate policies for the risk you are placing. 3
Offering Details
Alliance Risk vs Corgi Business Owner’s Policy: documented features by provider
| Criteria | Alliance Risk Business Owners Policy (BOP) | Corgi Business Owners Policy (BOP) |
|---|---|---|
| Role in This Line | Alliance Risk arranges BOP placements as a brokerage; the BOP page describes the bundled package it places rather than an Alliance-issued policy, and does not name an issuing insurer. 3,4Company-reported. BOP product page and the general brokerage disclosure on the coverage catalogue page. | 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. 6Company-reported. Homepage coverage catalog as read on 2026-09-23. No dedicated BOP product page was found on corgi.insure or its sitemap. |
| Issuing Insurer | Not described in the reviewed sources. | The reviewed homepage listing does not name an issuing insurer, policy form number or underwriting entity for the Business Owners Policy. 6Not publicly disclosed. Homepage catalog card as read on 2026-09-23; no dedicated BOP page exists to check for a form number or underwriter disclosure. |
| Who It’s For | Alliance Risk targets its BOP at small and mid-sized businesses that operate from a physical location with customer foot traffic, listing retail and boutiques, offices and consultants, restaurants and food service, artisan contractors, and healthcare and wellness providers as common buyers. 3Company-reported. BOP product page, Who Needs Business Owners Policy? section. | Not described in the reviewed sources. |
| Coverage Features | Alliance Risk's BOP bundles general liability, commercial property and business interruption coverage, with optional endorsements for cyber liability, equipment breakdown, hired and non-owned auto liability, and employment practices liability (EPLI). 3Company-reported. BOP product page; actual endorsement availability depends on the carrier and underwriting. Alliance Risk's BOP page says the bundled package excludes professional liability claims, workers' compensation, commercial auto coverage, and flood or earthquake damage, each of which needs a separate policy. 3Company-reported. BOP product page, What Doesn't Business Owners Policy Cover? section. | Corgi describes its BOP as combining general liability and commercial property coverage into a single policy, designed for small and growing businesses. 6Company-reported. One-line homepage product description; no policy form, limits, exclusions or endorsement list is published for this line. |
| Limits and Retentions | Alliance Risk's BOP page gives typical annual premium ranges ($500-$1,200 for small businesses, $1,200-$2,500 for medium businesses, $100-$500 per added endorsement) but does not publish standard liability or property limits, deductibles or sublimits. 3Not publicly disclosed. BOP product page as read on 2026-09-23. | No limits, deductibles or retentions are published for the Business Owners Policy in the reviewed sources. 6Not found in 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. |
| How to Apply | You request a BOP quote through Alliance Risk's online quote form or by scheduling a consultation with a risk advisor; the page does not describe specific underwriting information required for a BOP submission. 3Company-reported. BOP product page quote call to action. | 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. 6Company-reported. Homepage badge language only; the reviewed sources do not describe the actual BOP application steps or underwriting requirements. |
Full Comparison
More Alliance Risk vs Corgi Comparisons
Other Business Owner’s Policy Comparisons
Sources
Alliance Risk
- About Us. Alliance Risk; Our Story. Accessed 2026-09-16.
- Tech E&O Insurance. Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16.
- Business Owners Policy (BOP). Alliance Risk; What Is a Business Owners Policy?; Who Needs Business Owners Policy?; What Does Business Owners Policy Cover?; What Doesn't Business Owners Policy Cover?; How Much Does Business Owners Policy (BOP) Cost? Accessed 2026-09-23.
- Alliance Products. Alliance Risk; Footer brokerage disclosure: "Alliance Risk is an insurance brokerage focused on providing clients with commercial insurance across a wide array of industries.". Accessed 2026-09-23.
Corgi
- Disclaimers & Licensing. Corgi Insurance Services, Inc.; Carrier Financial Strength (including “federally chartered” and “federal prudential oversight” wording); About Corgi; Licensing; Premium and Payment Disclosures (producer commissions, fees, or other consideration, amounts available on request); Binding Authority and Policy Issuance; page last updated 04/05/26. Accessed 2026-09-15.
- 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.
- Corgi Insurance Launches Admitted Insurance Carrier. PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
- NAIC Listing of Companies. National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
- Insurance Topics: Risk Retention Groups. National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15.
Business Owner’s Policy Guide
- Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.
