Corgi vs Newfront: How Do They Compare for Business Insurance?

Technology startups can compare Corgi packages for pre-seed/seed, Series A and growth stages, or ask about a custom option. ^2,3,6,15Company-reportedCompany website positioning and package names; named customer stories on the customers page are testimonials, not a verified book of business.

Small businesses in offices, retail, restaurants, personal services, self-storage, wholesale, community associations or rental properties may have a new Corgi option; its August 2026 filing announcement says state and product availability differ. ⁹Company-reportedCompany-announced admitted-carrier appetite. Filing a product is not the same as confirmed availability in a given state.

Newfront is an insurance brokerage for businesses, from early-stage companies to established enterprises. It helps buyers arrange business insurance, manage employee benefits, and coordinate risk management with a specialist team and online tools. Its practices include technology, life sciences, construction, financial services, and public-sector organizations. ^23,30,46Company-reportedCurrent official service positioning; examples from live navigation. Not a minimum-size or eligibility determination.

You can apply online or book a specialist call, and Corgi says eligible applicants may quote in minutes and buy the same day; confirm in writing whether coverage starts at policy issuance/payment or under a binder and the effective date. ^2,1Company-reportedCompany website process claims and Binding Authority and Policy Issuance disclosure, rechecked on 15 September 2026. The disclosure's first paragraph requires policy issuance and payment, while its next paragraph describes temporary binder coverage; this record does not resolve which conditions apply to a particular placement. Quote speed is not independently verified and is not the same as coverage being in force. A self-serve path is not evidence of zero producer commissions or fees.

The public buying path starts with a consultation request. The form asks for your role, company, contact details, industry, employee count, and the service you need. It does not display a premium or bind coverage. ³¹VerifiedThe empty public form was reviewed on 15 September 2026. No information was entered or submitted; downstream underwriting and purchasing workflow was not tested.

Newfront describes assembling a team for your industry, reviewing your business and risk exposures, and presenting that information to underwriters. Its technology practice describes onboarding and renewal reviews, with additional market shopping when appropriate. The reviewed public pages do not promise a universal quote or binding turnaround. ^30,51,31Company-reportedService descriptions, not observed customer onboarding or measured timing. A consultation is not a completed insurance application.

Some online services may require you to appoint Newfront as broker of record—the broker designated to service your insurance. Ask which tools and services are included before signing that appointment. ²⁵Company-reportedGeneral Terms §1.2; condition applies to some services, not a claim all public pages require an appointment.

Life-science clients can use Newfront’s Clinical Trial Portal to check country requirements, upload documents, and request quotes. The public description does not establish automatic approval or a guaranteed time to receive coverage. ⁴⁰Company-reportedPublic portal description only; no portal authentication, uploads or quotation attempts.

You can add or upgrade policies through Corgi’s dashboard as funding, hiring or contract needs change; renewal and cancellation remain subject to your policy and state rules. ^2,1Company-reportedCompany description of post-bind servicing and cancellation. Actual endorsement terms remain in the policy. This does not establish a specific renewal guarantee or a finding that renewals are unavailable.

Newfront says Navigator brings together policy documents, certificates, claims information, payment tools, and communication with the service team. Its Executive Risk page describes renewal submissions pre-filled with historical data and document sharing with access controls. ^52,33Company-reportedOfficial feature documentation and demonstration assets only; no authenticated client account was used or outcome measured.

A policy or coverage change requested through Navigator remains preliminary until the applicable carrier approves it and provides written confirmation. A submitted request is not evidence that the new coverage is in force. ²⁵Company-reportedGeneral Terms §5.3. Contractual limitation, not an interpretation of a customer policy.

Newfront says its Partner Management tool is included in client service agreements at no additional cost. It tracks vendor certificates, expiration dates, compliance issues, and follow-up activity inside Navigator. This is a statement about that tool, not a promise of free brokerage services. ⁵³Company-reportedCurrent feature page inclusion statement; actual client eligibility and service scope require agreement confirmation.

Newfront’s Contract Review tool extracts insurance requirements, compares them with current policies, provides source citations, and notifies the Newfront team. Its Coverage Gap Analysis tool supports the team’s policy reviews. These are company-described functions; the reviewed materials do not independently establish accuracy or prove that all gaps will be detected. ^54,55Company-reportedAI-supported advisory tools, not a substitute for actual policy or legal review. No adoption of competitor comparisons, minutes-to-completion or outcome claims.

Newfront’s March 2026 privacy notice describes integration with WTW as ongoing and anticipates substantial integration by year-end, subject to legal and contractual limits. That is a stated plan, not confirmation that systems, data practices, or service agreements have already been unified. ²⁶Company-reportedIntroduction, integration statement dated 13 March 2026; do not present anticipated timing as a completed event.

Ask for the commission or customer fee on your policy because Corgi Insurance Services may receive either from you or the insurer. ¹Company-reportedProducer compensation disclosure. Website, self-serve, or other direct distribution is not a finding of zero commissions or fees. Specific amounts were not published in the reviewed sources.

Corgi gives annual price examples of $2,000–$5,000 for eligible pre-seed/seed startups and $5,000–$15,000 for Series A; your quote depends on risk, state, coverage and limits. ^2,6,7Company-reportedCompany-reported ranges and a marketing savings claim, not comparable quotes. They are not premiums for a defined risk, limit, retention, or policy period. “Underwrites directly” is not a finding of zero producer commissions or fees, and no public methodology for the 30 percent figure was found.

A standard business-insurance fee schedule, commission percentage, or premium range was not found in the reviewed business, consultation, and general-terms pages. Request an account-specific disclosure of brokerage fees, insurer commissions, other remuneration, and any separately billed services. ^30,31,25Not found in reviewed sourcesPublic commercial property/casualty pricing scope. Employee-benefits terms below are not extrapolated to P&C; absence of a public schedule does not mean zero compensation.

For Total Rewards, the order form sets compensation. The published terms allow insurer-paid commissions or client fees and disclose additional carrier compensation tied to the wider book of business. They also address non-cash compensation, retained unused carrier funds, and separate pass-through expenses. Newfront says supplemental commissions will not affect its recommendations. ⁴⁸Company-reportedTotal Rewards Terms §§4.1–4.8 only; not P&C-wide terms. Company promise about recommendations is not independently verified conflict-of-interest performance.

Total Rewards agreements renew annually unless written nonrenewal notice is given at least 60 days in advance. Termination for convenience is allowed during renewal terms with 60 days’ written notice; the client must retain Newfront as broker of record through the current agreement term. Separately, a participating Block Strategy client ending the agreement for convenience during an active affected policy can owe an early-exit fee based on remaining premium savings. ⁴⁸Company-reportedTotal Rewards Terms §§3.2–3.4. Section 3.4.1 conditions the savings-based fee on Block Strategy participation and active affected coverage; §3.4.2 applies broker-of-record retention to termination for convenience under §3.4, without that participation condition. Not general business-insurance cancellation terms.

Corgi says its claims team can help with reporting, documents, legal coordination and updates, but an affiliate or third-party administrator may handle the file; the named insurer decides coverage and payment. ^1,2,12Company-reportedCompany claims-handling and TPA disclosures. Offering claims administration is not a measure of claims-payment quality, and the TPA announcement does not by itself identify the administrator on a Corgi-issued policy.

Newfront describes helping establish reporting protocols before a loss, reviewing how a policy may respond, and acting as the buyer’s liaison with the carrier. Its advocates address coverage-reservation and denial letters, counsel selection, vendor rates, reimbursement, and allocation disputes. This describes claims assistance, not a promise that a claim will be paid. ⁵⁶Company-reportedCompany description of advocacy, including TPA and adjuster selection/oversight. No assessment of claims-payment quality or assertion that Newfront is the paying insurer.