Corgi vs 
Hiscox: How Do They Compare for Business Owner’s Policy?
Hiscox sells its BOP online, though not in seven states including Florida and Ohio; Corgi lists its BOP among slower products, with a 1 to 14 day turnaround instead of an instant quote.
Hiscox is the faster, more transparent BOP: you can buy online and add cyber, hired auto or crime, unless you're in one of seven excluded states. Corgi's BOP is general liability plus property only, and it takes 1 to 14 days to quote. 1,6
What Are the Key Differences Between Corgi and Hiscox Business Owner’s Policy?
Where You Can Buy and How Fast
The states Hiscox won't sell its BOP in are Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia. Corgi publishes no state list, but its BOP isn't part of the same-day quotes it offers for general liability, cyber, D&O and other lines. Choose Hiscox if you're outside those seven states and want coverage today; choose Corgi if you're in one of them or already buy other lines from Corgi and can wait up to two weeks. 6 2 1
Add-Ons Versus a Two-Part Bundle
Hiscox lets you add cyber, hired and non-owned auto, and commercial crime to the BOP; the auto and crime upgrades share the BOP's per-occurrence limit. Corgi describes its BOP as general liability plus commercial property only, so you'd quote those extras as separate Corgi policies. 3 4 1
Knowing Who Pays Claims
Hiscox insures the BOP itself, so you know who pays a claim. Corgi's listing names no insurer or policy form, so you can't check the insurer's financial strength until you get a quote. 5 1
What Should You Confirm in Corgi and Hiscox Business Owner’s Policy Quotes?
- Check your state against Hiscox's exclusion list before you start. 6
- Ask Corgi which insurer issues the policy. 1
- If you need hired auto or cyber, ask Hiscox to price them as BOP upgrades and Corgi to price them as separate policies. 3 1
- Get your own Hiscox quote; its published California IT pricing table is only illustrative and no standard limits are listed. 2
Corgi vs Hiscox Business Owner’s Policy Compared
Corgi vs Hiscox: Business Owner’s Policy: documented features by provider
| Criteria | Corgi Business Owners Policy (BOP) | Hiscox Business Owner's 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. | Hiscox says eligible buyers can quote and buy a business owner's policy online, and can select add-on coverages such as cyber or commercial crime during that process where available. 2Company-reported. Company-described online application; eligibility and binding conditions require confirmation on the actual application. |
| 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. | Hiscox describes optional add-ons to its business owner's policy including cyber coverage, hired/non-owned commercial auto, and commercial crime; hired/non-owned auto and commercial crime are described as upgrades tied to the BOP's own occurrence limit and are not sold as standalone Hiscox policies. 2,3,4Company-reported. Product-page and upgrade-page descriptions; commercial crime is also stated as not available in all states. |
| 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. | Hiscox Inc. sells a business owner's policy directly online to small businesses, combining general liability and commercial property into one package as part of its Hiscox NOW admitted catalogue. 2,5Company-reported. Company-stated online small-business channel. |
