Corgi vs 
Gallagher Business Owner’s Policy
Corgi’s BOP is a 1–14 day product listing; Gallagher places a small-business BOP and publishes a detailed exclusion list.
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. 1,2,3,4,5
What Is Gallagher?
Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. 6,7,8,9,10
What Is a Business Owner’s Policy?
A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. 13
Key Differences in Business Owner’s Policy
Product Listing Versus Broker Placement
Corgi lists a Business Owners Policy among its main policies. Gallagher Small Business arranges a BOP as a bundled package placed with partner carriers rather than underwriting it. Neither page names the issuing insurer. 2 11
Liability Detail and Exclusions
Corgi’s card names general liability and commercial property without an exclusion schedule. Gallagher describes general liability for bodily injury, third-party property damage, personal and advertising injury, third-party medical expenses and defense costs, plus property for a rented space and equipment inside it, and lists damage to owned equipment and rented property, employee injuries, malpractice, discrimination or fraud, intentional injury and failure to protect sensitive information as not covered. 2 11
How You Reach an Advisor
Gallagher offers an online quote form, a weekday advisor line at 1-833-292-9441, or a scheduled callback. Corgi tags the BOP for 1–14 days instead of its instant-quote modules. 12 2
What to Confirm in Business Owner’s Policy Quotes
Offering Details
Corgi vs Gallagher Business Owner’s Policy: documented features by provider
| Criteria | Corgi Business Owners Policy (BOP) | Gallagher Small Business Owner’s Policy |
|---|---|---|
| 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. 2Company-reported. Homepage coverage catalog as read on 2026-09-23. No dedicated BOP product page was found on corgi.insure or its sitemap. | Gallagher Small Business arranges a business owner's policy as a bundled package rather than underwriting it directly; the policy is placed with one of its partner carriers. 11Company-reported. Gallagher Small Business's direct-to-small-business BOP product page. |
| Issuing Insurer | The reviewed homepage listing does not name an issuing insurer, policy form number or underwriting entity for the Business Owners Policy. 2Not 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. | The BOP product page does not name the insurer that would issue a given business's policy. 11Not publicly disclosed. Checked the BOP product page on 2026-09-23; no carrier is named there for this specific product. |
| Who It’s For | Not described in the reviewed sources. | Gallagher says almost every small business that owns or rents its workspace, holds customer data, employs staff, or owns equipment such as computers and furniture is a candidate for a BOP. 11Company-reported. Product page "Do you need a BOP?" criteria; actual acceptance depends on underwriting. |
| Coverage Features | Corgi describes its BOP as combining general liability and commercial property coverage into a single policy, designed for small and growing businesses. 2Company-reported. One-line homepage product description; no policy form, limits, exclusions or endorsement list is published for this line. | Gallagher describes the BOP as bundling general liability (bodily injury, third-party property damage, personal and advertising injury, third-party medical expenses, defense costs) with business property coverage for a rented space and the equipment inside it. 11Company-reported. Product page coverage overview; the issued policy and its exclusions control. Gallagher lists damage to a business's own equipment and rented property, employee on-the-job injuries, malpractice, employee discrimination or fraud, intentional injury, and failure to protect sensitive information as not covered by the BOP. 11Company-reported. Product page "What's NOT covered?" list; exclusions can vary by the carrier and form actually issued. |
| Limits and Retentions | No limits, deductibles or retentions are published for the Business Owners Policy in the reviewed sources. 2Not 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. | The BOP product page does not publish limits, deductibles or premium ranges; it directs prospective buyers to request a quote instead. 11Not publicly disclosed. Checked the BOP product page on 2026-09-23. |
| 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. 2Company-reported. Homepage badge language only; the reviewed sources do not describe the actual BOP application steps or underwriting requirements. | Gallagher offers three ways to start a BOP: an online quote form, a phone line for a small business advisor (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), or a scheduled callback request. 11Company-reported. Product page "Get Covered Now" section. |
Full Comparison
More Corgi vs Gallagher Comparisons
Other Business Owner’s Policy Comparisons
Sources
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.
Gallagher
- Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
- Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
- Executive and Financial Risk Insurance. Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
- Business Owners Policy. Gallagher Small Business; Coverage Overview; What's covered under the bundle; What's NOT covered?; Do you need a BOP?; Get Covered Now. Accessed 2026-09-23.
- Connect With an Advisor. Gallagher Small Business; Form fields from company name through annual revenue; acknowledgment. Accessed 2026-09-16.
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.
