Corgi vs ERGO NEXT Insurance Business Owner’s Policy

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.

ERGO NEXT sells its business owner's policy as a package that combines general liability and commercial property in one online policy. ⁹Company-reported. Business owner's policy product page as read 2026-09-23.

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 page says policy obligations are the sole responsibility of the issuing insurance company, without naming that company on the product page. ⁹Company-reported. Product page legal footer; the specific carrier for a policy is confirmed on the quote and declarations.

Not described in the reviewed sources.

ERGO NEXT's August 2026 BOP coverage guide lists target professions across categories including beauty and personal care, cleaning and janitorial, creative services, education, food and beverage, health and wellness, sports and fitness, retail, and professional services. ¹⁰Company-reported. Agent-facing coverage guide dated August 20, 2026; profession and state availability are subject to change and underwriting.

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.

ERGO NEXT says the BOP can cover theft of business gear, property and inventory damage, business income interruption, medical fees for non-employee injuries, and legal defense costs, with equipment failure available as an optional add-on. ⁹Company-reported. Product page coverage list; the issued policy and its exclusions control an actual claim.

ERGO NEXT lists the BOP as excluding employee or owner work injuries, professional errors, business vehicles and cyber attacks; those need workers' compensation, professional liability, commercial auto or a cyber add-on instead. ⁹Company-reported. Product page exclusions summary.

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 coverage guide states a program revenue limit of $5 million and a maximum total insured value of $5 million. The consumer product page does not itself publish per-claim liability or property limits. ^10,9Company-reported. Program-level caps from the agent-facing coverage guide; actual policy limits for a given business are set on the quote and declarations.

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.

ERGO NEXT describes a roughly 10-minute online quote, coverage customization, and a fully online purchase that it says can take effect immediately and provide an instant certificate of insurance after a complete application and carrier underwriting approval; a premium payment alone does not bind coverage. ^9,8Company-reported. Product page quote-flow description; the roughly 10-minute timing was not independently tested. Terms require a complete application and carrier underwriting approval, and payment alone does not bind coverage.