Corgi vs Embroker: How Do They Compare for Business Owner’s Policy?

Corgi's BOP turns around in 1 to 14 days instead of an instant quote; Embroker offers an online quote, targets businesses under 100 employees and $10 million in revenue, and lists cyberattacks and professional liability as excluded.

Embroker quotes its BOP online and spells out what it covers, including lost income, for firms under 100 employees and $10 million in revenue. Corgi lists only general liability and property, publishes no size limits and takes 1–14 days. ^1,²

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

Who Qualifies and How Fast

Embroker wants fewer than 100 employees, under $10 million in revenue and a physical location, and a home office counts. If you fit, you get a quote on its platform. Corgi sets no published size limits but marks its BOP at 1–14 days, slower than its same-day products. Choose Embroker if you’re under its limits and want a quote now; choose Corgi if you’re above them and can wait up to two weeks. ² ¹

What the Policy Pays For

Embroker is clearer: property damage or theft, third-party injury and damage, and lost income from business interruption. Corgi names general liability and commercial property only, so you don’t know if theft or lost income are included until you ask. ¹ ²

What You’ll Still Need to Buy

Embroker says its BOP excludes cyberattacks, professional liability, employment claims and criminal acts, and you’ll usually buy workers’ compensation and commercial auto separately. You can add professional liability, EPL and spoiled-merchandise cover by endorsement. Corgi publishes no exclusions or endorsements, so its gaps only show up in the quote. ² ¹

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

Check your headcount, revenue and location against Embroker’s limits. ²
Ask Corgi whether business interruption and property theft are covered. ¹
Ask both which insurer issues the policy; neither says. ¹ ²
Ask Corgi whether auto is excluded, as it is on Embroker’s BOP. ² ¹

Corgi vs Embroker Business Owner’s Policy Compared

Corgi vs Embroker: Business Owner’s Policy: documented features by provider

Criteria	Corgi Business Owners Policy (BOP)	Embroker Business Owners Policy
How to Apply	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. ¹Company-reported. Homepage badge language only; the reviewed sources do not describe the actual BOP application steps or underwriting requirements.	Embroker offers an online quote for BOP coverage through its digital platform rather than a purely manual application. ²Company-reported. Product-page 'Quick quotes' feature description; no quote was requested during this research.
Coverage Features	Corgi describes its BOP as combining general liability and commercial property coverage into a single policy, designed for small and growing businesses. ¹Company-reported. One-line homepage product description; no policy form, limits, exclusions or endorsement list is published for this line.	The BOP covers commercial property damage or theft, third-party bodily injury and property damage claims, and business interruption loss of income. ²Company-reported. Product-page coverage summary; the issued policy and declarations control. Embroker says the BOP does not cover cyberattacks and breaches, professional liabilities such as errors and omissions, employment-related claims, or criminal activity, and that workers' compensation and commercial auto usually must be bought separately. ²Company-reported. Product-page What's not included and FAQ sections. Embroker says the BOP can take endorsements for professional liability, employment practices liability and commercial property add-ons such as spoiled merchandise or mechanical breakdown coverage, and can be packaged with separate cyber or workers' compensation policies. ²Company-reported. FAQ section; specific endorsement availability depends on underwriting.
Role in This Line	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. ¹Company-reported. Homepage coverage catalog as read on 2026-09-23. No dedicated BOP product page was found on corgi.insure or its sitemap.	Embroker packages its Business Owners Policy as a bundled product combining commercial property, general liability and business interruption coverage, sold through its own quote platform. ²Company-reported. Product-page description of the bundle; not a statement about the issuing insurer.

Criteria

Corgi Business Owners Policy (BOP)

Embroker Business Owners Policy

How to Apply

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. ¹Company-reported. Homepage badge language only; the reviewed sources do not describe the actual BOP application steps or underwriting requirements.

Embroker offers an online quote for BOP coverage through its digital platform rather than a purely manual application. ²Company-reported. Product-page 'Quick quotes' feature description; no quote was requested during this research.

Coverage Features

Corgi describes its BOP as combining general liability and commercial property coverage into a single policy, designed for small and growing businesses. ¹Company-reported. One-line homepage product description; no policy form, limits, exclusions or endorsement list is published for this line.

The BOP covers commercial property damage or theft, third-party bodily injury and property damage claims, and business interruption loss of income. ²Company-reported. Product-page coverage summary; the issued policy and declarations control.

Embroker says the BOP does not cover cyberattacks and breaches, professional liabilities such as errors and omissions, employment-related claims, or criminal activity, and that workers' compensation and commercial auto usually must be bought separately. ²Company-reported. Product-page What's not included and FAQ sections.

Embroker says the BOP can take endorsements for professional liability, employment practices liability and commercial property add-ons such as spoiled merchandise or mechanical breakdown coverage, and can be packaged with separate cyber or workers' compensation policies. ²Company-reported. FAQ section; specific endorsement availability depends on underwriting.

Role in This Line

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. ¹Company-reported. Homepage coverage catalog as read on 2026-09-23. No dedicated BOP product page was found on corgi.insure or its sitemap.

Embroker packages its Business Owners Policy as a bundled product combining commercial property, general liability and business interruption coverage, sold through its own quote platform. ²Company-reported. Product-page description of the bundle; not a statement about the issuing insurer.