Corgi vs HUB International Workers’ Compensation Insurance

Corgi's workers' comp coverage description is one sentence; HUB publishes a specific exclusions list and a misclassification-liability advisory service.

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

Read the Corgi profile

What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. ^7,^8,⁹

Read the HUB International profile

What Is Workers’ Compensation Insurance?

Workers’ compensation insurance addresses medical care, rehabilitation and lost wages for employees’ work-related injuries or illnesses. Not every worker, contractor or owner is automatically covered, and not every injury qualifies — check who's included and what's compensable under your state's rules. ^11,^12,¹³

Read the full coverage guide

Key Differences in Workers’ Compensation Insurance

Exclusions Named Versus Unaddressed

Corgi's coverage description for this line is a single sentence repeated on its homepage and startup-insurance page, without addressing what the policy would exclude. ²

HUB lists exclusions that can apply to workers' compensation claims, including injuries that originated outside the workplace, were self-inflicted, resulted from a fight the employee started, relate to a felony, were claimed after termination or layoff, or occurred while the employee was under the influence of drugs or alcohol. ¹⁰Company-reported. Product-page exclusions list; actual claim outcomes depend on the specific policy and state law.

Corgi's reviewed pages do not list comparable exclusions for this line. ⁶

A Service Corgi's Pages Don't Describe

HUB says it helps clients address worker misclassification liability, distinguishing employees from contractors as part of its workers' compensation brokerage service. ¹⁰

Corgi's reviewed pages do not describe safety programs, return-to-work services, or any misclassification advisory for this line. ²

Turnaround and Buying Path

Corgi's page places Worker's Compensation on a 1-14 day quote turnaround, apart from the instant-quote flow used for its core startup lines. ²

HUB does not describe a comparable multi-day quote category for this line, instead framing its brokerage around state-requirement guidance and coverage explanation. ¹⁰

What to Confirm in Workers’ Compensation Insurance Quotes

Ask HUB which insurer or state fund it is proposing for the quote, since the reviewed page does not name one. ¹⁰
Ask Corgi to name the entity that would actually underwrite the policy, since its disclosures describe the arrangement only in general terms. ¹
Ask HUB whether any of its listed exclusions, such as the off-premises or intoxication exclusions, would apply to the business's operations. ¹⁰
Ask Corgi for its expected 1-14 day turnaround for the business's specific application. ²
Confirm whether HUB's misclassification review is included in the placement or offered as a separate service. ¹⁰

Offering Details

Corgi vs HUB International Workers’ Compensation Insurance: documented features by provider

Criteria	Corgi Worker's Compensation	HUB International Workers' Compensation Insurance Brokerage
Role in This Line	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.	HUB brokers workers' compensation insurance and helps clients navigate state regulations and coverage options rather than underwriting the coverage itself. ¹⁰Company-reported. Workers' compensation product page as read 2026-09-23; the page does not name an issuing insurer.
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.	The workers' compensation page does not name an issuing insurer or state fund; HUB places this coverage with insurers or funds that vary by client and state. ¹⁰Not found in reviewed sources. Checked the workers' compensation product page on 2026-09-23; no carrier is disclosed there.
Who It’s For	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.	HUB says workers' compensation insurance is required of all businesses in 49 states and the District of Columbia, noting Texas does not mandate coverage. ¹⁰Company-reported. Product-page state-requirement statement as read 2026-09-23; specific state rules and exceptions were not independently verified here.
Coverage Features	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.	HUB says workers' compensation covers medical bills, disability payments, rehabilitation and recovery costs, partial missed wages, and funeral or survivor benefits for injuries and illnesses sustained in the course of employment, plus an employer's legal defense fees and settlements for related workplace-injury lawsuits. ¹⁰Company-reported. Product-page coverage description; the issued policy and state law control an actual claim. HUB lists exclusions that can apply to workers' compensation claims, including injuries that originated outside the workplace, were self-inflicted, resulted from a fight the employee started, relate to a felony, were claimed after termination or layoff, or occurred while the employee was under the influence of drugs or alcohol. ¹⁰Company-reported. Product-page exclusions list; actual claim outcomes depend on the specific policy and state law.
Limits and Retentions	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.	Not described in the reviewed sources.
Risk Services	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.	HUB describes helping clients address worker misclassification liability and distinguishing employees from contractors as part of its workers' compensation brokerage, alongside broader risk-reduction guidance. ¹⁰Company-reported. Product-page misclassification-liability section; a company-reported advisory service.
How to Apply	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.	Not described in the reviewed sources.

Full Comparison

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Sources

Corgi

Disclaimers & Licensing. Corgi Insurance; Carrier Financial Strength; How Insurance Is Provided Through Corgi; Specialty Insurance Carrier and Underwriting Disclosures. Accessed 2026-09-23.
Corgi Insurance: Startup Insurance, Quoted in Minutes. Corgi Insurance; Explore Our Main Policies list: "1-14 days turnaround Worker's Compensation" card, same coverage description as the startup-insurance page. 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.
Startup Insurance | Corgi Insurance. Corgi Insurance; Specialized Coverages section: "1-14 days turnaround Worker's Compensation — Provides benefits to employees for work-related injuries or illnesses, including medical expenses, lost wages, and rehabilitation costs.". Accessed 2026-09-23.

HUB International

About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
Workers' Compensation Insurance Brokers. HUB International; What is workers' compensation insurance?; Is Workers' Comp Required?; What's Covered; Misclassification Liability section; coverage exclusions list; state-requirement statement. Accessed 2026-09-23.

Workers’ Compensation Insurance Guide

Workers’ Compensation Insurance. National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
Small Business Insurance. National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
DWC employer information. California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.