---
title: "Chubb vs Corgi Business Owner’s Policy"
description: "Chubb underwrites a BOP for firms up to $30 million in revenue; Corgi lists a slower GL-and-property BOP without naming the insurer."
canonical: "https://spot.insure/compare/chubb-vs-corgi/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/chubb-vs-corgi/business-owners-policy)

# Chubb vs Corgi Business Owner’s Policy

Chubb underwrites a BOP for firms up to $30 million in revenue; Corgi lists a slower GL-and-property BOP without naming the insurer.

## Research Scope and Use

Use this comparison to evaluate Chubb and Corgi for Business Owner’s Policy against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Chubb underwrites its Business Owner’s Policy for small businesses with up to $30 million in revenue across more than 500 classes. Corgi lists a BOP that combines general liability and commercial property and tags it for a 1–14 day turnaround instead of an instant quote. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [8](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes")

## What Is Chubb?

Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. [1](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

[Chubb profile](https://spot.insure/insurance-providers/chubb)

## 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. [7](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [8](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [9](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [10](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [11](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups")

[Corgi profile](https://spot.insure/insurance-providers/corgi)

## What Is a Business Owner’s Policy?

A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. [12](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy")

## Key Differences in Business Owner’s Policy

### Who Carries the Risk

Chubb underwrites its Business Owner’s Policy directly as a property-and-liability package. Corgi lists a Business Owners Policy among its products, and the homepage listing does not name an issuing insurer, policy form number or underwriting entity. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [8](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes")

### Size of the Intended Buyer

Chubb says the BOP is available to small businesses with up to $30 million in revenue across more than 500 classes, including technology, healthcare, retail, manufacturing and financial services. Corgi describes the BOP as designed for small and growing businesses; the reviewed homepage does not publish a revenue cap or class count. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [8](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes")

### What Each Page Names as Coverage

Chubb lists optional BOP enhancements including privacy and data breach coverage, employment practices liability, foreign liability with kidnap and ransom, equipment breakdown, water backup and sump overflow, and crime coverage such as forgery and employee dishonesty. Corgi describes its BOP as combining general liability and commercial property coverage into a single policy. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [8](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes")

### How You Request a Quote

You can request a Chubb BOP quote online, or an appointed independent agent or broker can apply for a Chubb Appointment. Corgi tags the BOP card with a 1–14 day turnaround, distinct from the same-day instant-quote path it advertises for CGL, cyber, tech and AI, D&O, EPLI, fiduciary, media and hired and non-owned auto. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [8](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes")

## What to Confirm in Business Owner’s Policy Quotes

- Ask Corgi who issues the BOP. [8](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes")
- Ask Chubb which enhancements are included versus optional. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance")
- Confirm you sit inside Chubb’s $30 million revenue and class list. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance")
- Neither page publishes standard BOP limits or deductibles. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [8](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes")

## Offering Details

| Criteria | Chubb Business Owner's Policy (BOP) Insurance | Corgi Business Owners Policy (BOP) |
| --- | --- | --- |
| Role in This Line | Chubb underwrites its Business Owner's Policy directly, combining property and liability coverage into a single package positioned as the foundation of a small business's insurance portfolio. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: Chubb BOP product page; describes Chubb's own packaged small-business offering..) | 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. [8](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: 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. [8](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Not publicly disclosed; scope: 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 | Chubb says its BOP is available to small businesses with up to $30 million in revenue across more than 500 business classes, including technology, healthcare, retail, manufacturing and financial services. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: Chubb BOP eligibility list; a specific business's eligibility depends on underwriting..) | Not described in the reviewed sources. |
| Coverage Features | Chubb lists optional BOP enhancements including privacy and data breach coverage, employment practices liability, foreign liability with kidnap and ransom, equipment breakdown, water backup and sump overflow, and crime coverage such as forgery and employee dishonesty. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: Chubb BOP coverage-highlights list; availability of any enhancement depends on the issued policy and state..) | Corgi describes its BOP as combining general liability and commercial property coverage into a single policy, designed for small and growing businesses. [8](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: One-line homepage product description; no policy form, limits, exclusions or endorsement list is published for this line..) |
| Limits and Retentions | The reviewed BOP page does not publish specific coverage limits, sublimits or deductibles for the base policy or its enhancements. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Not found in reviewed sources; scope: Chubb 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. [8](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Not found in reviewed sources; scope: 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..) |
| Risk Services | Chubb markets a 'Total Account Solution' that lets a BOP holder add umbrella, workers' compensation, commercial auto, ForeFront management liability and Cyber ERM/DigiTech ERM coverage from the same carrier. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: Chubb BOP product page; each added line is underwritten and priced separately..) | Not described in the reviewed sources. |
| How to Apply | You can request a Chubb BOP quote online, or an appointed independent agent or broker can apply for a Chubb Appointment to place the policy on your behalf. [4](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: Chubb BOP product page call-to-action sections for business owners and for agents and brokers..) | 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. [8](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: Homepage badge language only; the reviewed sources do not describe the actual BOP application steps or underwriting requirements..) |
| Claims Support | Chubb reports 24/7 claims reporting and a dedicated Small Commercial claims email address, and says 93% of policyholders with a paid claim from 2022-2025 were highly satisfied with their claim experience. [6](https://www.chubb.com/us-en/claims.html "Claims") [5](https://www.chubb.com/us-en/claims/report-claim.html "Report a Claim") (Evidence: Company-reported; scope: Claims and report-a-claim pages describe claims handling across Chubb's commercial book generally, not exclusively for BOP; the satisfaction figure is a company-reported survey result..) | Not described in the reviewed sources. |

## Full Comparison

- [Chubb vs Corgi](https://spot.insure/compare/chubb-vs-corgi): all coverage lines, business roles, service and claims.
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owner's policy (BOP) combines property, general liability and business interruption coverage for eligible businesses.
- [Chubb vs Corgi Cargo and Transit Insurance](https://spot.insure/compare/chubb-vs-corgi/cargo-transit)
- [Chubb vs Corgi Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-corgi/commercial-auto)
- [Chubb vs Corgi Crime Insurance](https://spot.insure/compare/chubb-vs-corgi/crime)
- [Chubb vs Corgi Cyber Insurance](https://spot.insure/compare/chubb-vs-corgi/cyber)
- [Chubb vs Corgi D&O Insurance](https://spot.insure/compare/chubb-vs-corgi/directors-officers)
- [Chubb vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/chubb-vs-corgi/employment-practices)
- [Chubb vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-corgi/fiduciary)
- [Chubb vs Corgi General Liability Insurance](https://spot.insure/compare/chubb-vs-corgi/general-liability)
- [Chubb vs Corgi Professional Liability (E&O) Insurance](https://spot.insure/compare/chubb-vs-corgi/professional-errors-omissions)
- [Chubb vs Corgi Representations and Warranties Insurance](https://spot.insure/compare/chubb-vs-corgi/representations-warranties)
- [Chubb vs Corgi Tech E&O Insurance](https://spot.insure/compare/chubb-vs-corgi/technology-errors-omissions)
- [Chubb vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/chubb-vs-corgi/umbrella-excess)
- [Chubb vs Corgi Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-corgi/workers-compensation)
- [Alliance Risk vs Chubb Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-chubb/business-owners-policy)
- [Alliance Risk vs Corgi Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-corgi/business-owners-policy)
- [Amelia Risk vs Chubb Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-chubb/business-owners-policy)
- [Amelia Risk vs Corgi Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-corgi/business-owners-policy)
- [Chubb vs Coterie Insurance Business Owner’s Policy](https://spot.insure/compare/chubb-vs-coterie/business-owners-policy)
- [Chubb vs Coverdash Business Owner’s Policy](https://spot.insure/compare/chubb-vs-coverdash/business-owners-policy)

## Sources

### Chubb

1. [Insurance for Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Commercial package insurance section naming BOP, Benchmarq and Customarq as Chubb's three package policy options for small and midsize businesses. Accessed 2026-09-23.
2. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
3. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
4. [Business Owner's Policy (BOP) Insurance](https://www.chubb.com/us-en/business-insurance/chubb-bop.html). Chubb; Chubb BOP Insurance Eligibility: up to $30M revenue, 500+ business classes; Chubb BOP Coverage Highlights: optional property and liability enhancements; Total Account Solution: umbrella, workers' compensation, commercial auto, ForeFront, Cyber ERM/DigiTech ERM. Accessed 2026-09-23.
5. [Report a Claim](https://www.chubb.com/us-en/claims/report-claim.html). Chubb; Email first-notice contacts, including Small Commercial claims.smallbusiness@chubb.com; phone, online and mail reporting options. Accessed 2026-09-23.
6. [Claims](https://www.chubb.com/us-en/claims.html). Chubb; 24/7 claims response; 2,000+ North America Claims Professionals; 93% of clients with a paid claim highly satisfied, based on 2022-2025 survey. Accessed 2026-09-23.

### Corgi

7. [Disclaimers & Licensing](https://www.corgi.insure/disclaimers). 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.
8. [Corgi Insurance: Startup Insurance, Quoted in Minutes](https://www.corgi.insure). 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.
9. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
10. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
11. [Insurance Topics: Risk Retention Groups](https://content.naic.org/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

12. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy). National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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