Amelia Risk vs Corgi Workers’ Compensation Insurance

Amelia Risk is a brokerage, not an insurer, and it places Workers Compensation as its own listed catalogue line on its policies hub. ⁵Company-reported. Policies hub as read on 2026-09-23. Does not identify which insurer would issue a placed policy.

Corgi lists Worker's Compensation as a specialty coverage quoted with a 1-14 day turnaround, not through the instant online quote flow it uses for CGL, D&O, Tech E&O, and its other core startup policies. ^7,11Company-reported. Homepage and startup-insurance page policy-card labeling as of 2026-09-23. No dedicated product page was found; a direct URL guess (/workers-compensation) returned a 404.

The dedicated Workers Compensation page does not name an issuing insurer, state fund or program; Amelia Risk's general pages say it places business with the dozens of insurance companies it works with, so the carrier for a Workers Compensation placement depends on underwriting and state requirements. ^4,2Not publicly disclosed. Dedicated Workers Compensation page and specialties process page, both as read on 2026-09-23. A checked gap, not a statement that no insurer exists.

No page names the carrier that issues Worker's Compensation coverage. Corgi's general disclosures say coverage may be underwritten by affiliated carriers, including the risk retention group Technology Risk Retention Group, or by third-party partner carriers depending on product, jurisdiction, and risk profile, without identifying which applies to this line. ⁶Not publicly disclosed. Disclaimers page general underwriting disclosure, checked for a line-specific statement and finding none as of 2026-09-23. This record does not resolve which entity underwrites workers' compensation for Corgi.

Amelia Risk says a company should buy Workers Compensation whenever it has an employee on payroll, and notes that eligible officers can decline coverage for themselves. ⁴Company-reported. Dedicated Workers Compensation page's purchase-timing guidance. A general trigger the firm states, not a jurisdiction-by-jurisdiction eligibility or officer-exclusion rule, which varies by state.

The catalog description targets employers generally rather than a specific industry, and does not mention any employee-count, payroll, or state threshold for eligibility. ^7,11Not publicly disclosed. Catalog description as of 2026-09-23; workers' compensation is state-mandated and rules vary by jurisdiction, which the reviewed pages do not address.

Amelia Risk describes Workers Compensation as statutory coverage required by all 50 states, paying an injured employee's medical bills when the employee is hurt or injured at work. ⁴Company-reported. Dedicated Workers Compensation page's coverage description. A plain-language summary of the firm's own explanation, not a specimen policy form.

Amelia Risk says a Workers Compensation policy also includes Employer's Liability, which covers suits alleging the employer's negligence caused an employee's injury. ⁴Company-reported. Dedicated Workers Compensation page. Describes the firm's stated policy structure, not the specific limits attached to that component.

Corgi describes the product as providing benefits to employees for work-related injuries or illnesses, including medical expenses, lost wages, and rehabilitation costs. ^7,11Company-reported. One-sentence catalog description; no policy form, statutory-limits detail, monopolistic-state handling, or employer's-liability sublimit is published for this line.

Amelia Risk states that Workers Compensation premium is calculated as a function of payroll multiplied by a rate; the page does not publish specific rate figures or a rating class table. ⁴Company-reported. Dedicated Workers Compensation page. A general pricing-mechanics statement, not a quote or rate schedule.

No limit, retention, or illustrative policy structure is published for Worker's Compensation, unlike Corgi's Tech E&O and Umbrella pages, which show example limits. ^7,11Not publicly disclosed. Reviewed pages as of 2026-09-23; workers' compensation benefit levels are generally set by state statute rather than a policy limit, which the reviewed pages do not explain.

Not described in the reviewed sources.

The reviewed pages do not describe safety programs, return-to-work services, or claims-handling details specific to Worker's Compensation. ^7,11Not found in reviewed sources. Homepage and startup-insurance page as read on 2026-09-23.

Amelia Risk applies its general four-step brokerage process to a Workers Compensation request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. ²Company-reported. Specialties page process description, which applies across the firm's lines rather than describing a Workers Compensation-specific intake form.

Worker's Compensation sits outside Corgi's instant-quote flow; the site groups it with policies quoted in 1-14 days rather than through the self-serve online application used for its core coverages. ^7,11Company-reported. Homepage and startup-insurance page policy-card labeling.