Corgi vs Embroker Workers’ Compensation Insurance

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. ^2,6Company-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.

Embroker sells workers' compensation as a standalone policy and offers to package it with other coverages such as cyber and a business owners policy. ¹⁰Company-reported. Product-page description; not a statement about the issuing insurer.

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. ¹Not 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.

Not described in the reviewed sources.

The catalog description targets employers generally rather than a specific industry, and does not mention any employee-count, payroll, or state threshold for eligibility. ^2,6Not 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.

Embroker says workers' compensation is legally required for employers in most U.S. states, that four states (North Dakota, Ohio, Washington and Wyoming) are monopolistic and require buying from the state fund, and that solopreneurs without employees are typically not required to carry it. ¹⁰Company-reported. Product-page eligibility, 'Is Workers Compensation required by my state?' and 'Do self-employed business owners need workers compensation insurance?' sections; requirements vary by state and are not independently verified here.

Corgi describes the product as providing benefits to employees for work-related injuries or illnesses, including medical expenses, lost wages, and rehabilitation costs. ^2,6Company-reported. One-sentence catalog description; no policy form, statutory-limits detail, monopolistic-state handling, or employer's-liability sublimit is published for this line.

Embroker lists coverage for employee medical expenses, lost wages, rehabilitation, death benefits, and legal defense costs if an employee sues over a workplace injury; commuting injuries are excluded. ¹⁰Company-reported. Product-page What's covered and What's not included sections; the issued policy and declarations control.

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. ^2,6Not 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.

Embroker describes typical state minimum limits of $100,000 per occurrence and $100,000 per employee for injury claims, and $500,000 for disease-related claims, noting these limits vary by state and can be increased for a higher premium. ¹⁰Company-reported. Product-page 'What are Workers Compensation limits?' section; actual limits depend on the state and policy purchased.

Embroker says premiums are driven mainly by employee count, claims history, the type of work performed, and the employer's Experience Modification Rate (XMod), which compares a company's claims history to similar businesses over a three-year period. ¹⁰Company-reported. Product-page 'What does Workers Compensation insurance cost?' section.

The reviewed pages do not describe safety programs, return-to-work services, or claims-handling details specific to Worker's Compensation. ^2,6Not found in reviewed sources. Homepage and startup-insurance page as read on 2026-09-23.

Not described in the reviewed sources.

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. ^2,6Company-reported. Homepage and startup-insurance page policy-card labeling.

Embroker offers an instant online quote for workers' compensation through its digital platform. ¹⁰Company-reported. Product-page 'Get started with Embroker to receive an instant workers compensation insurance quote' call to action; no quote was requested during this research.

Not described in the reviewed sources.

Embroker describes a claims process where the employer documents the injury, provides paperwork to the employee, and files with the insurer, typically within a 30-day reporting window; the insurer can deny claims involving horseplay, intoxication, commuting or self-inflicted injury, and an approved claim generally pays medical costs plus about two-thirds of the employee's regular weekly wage. ¹⁰Company-reported. Product-page 'How do Workers Compensation claims work?' and related FAQ sections; general process description, not a guarantee of a particular outcome.