---
title: "Corgi vs Risklytics Workers’ Compensation Insurance"
description: "Corgi's disclosures describe carrier selection only in general terms; Risklytics says it charges no separate broker fee, since its commission comes from the carrier."
canonical: "https://spot.insure/compare/corgi-vs-risklytics/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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# Corgi vs Risklytics Workers’ Compensation Insurance

Corgi's disclosures describe carrier selection only in general terms; Risklytics says it charges no separate broker fee, since its commission comes from the carrier.

## Research Scope and Use

Use this comparison to evaluate Corgi and Risklytics for Workers’ Compensation Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Corgi's general disclosures describe affiliated or partner carriers for workers' compensation without a stated fee structure. Risklytics, which describes itself as a licensed producer, says there is no broker fee on top of the premium for this line, since its commission is paid by the carrier out of the premium. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [6](https://www.corgi.insure/startup-insurance "Startup Insurance | Corgi Insurance") [11](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [7](https://www.risklytics.ai/about/ "About Risklytics: who we are")

## 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](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [3](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [4](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [5](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups")

[Corgi profile](https://spot.insure/insurance-providers/corgi)

## What Is Risklytics Insurance?

Risklytics describes a commercial insurance brokerage for robotics, autonomy, hardware and AI businesses. It prepares applications and seeks coverage from insurers; California placement eligibility remains unconfirmed. [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") [8](https://www.risklytics.ai/ "Insurance for Frontier Tech") [9](https://www.risklytics.ai/terms/ "Terms of Service")

[Risklytics profile](https://spot.insure/insurance-providers/risklytics)

## 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. [12](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [13](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [14](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information")

## Key Differences in Workers’ Compensation Insurance

### A Stated Fee Structure Versus None

Corgi's general disclosures say coverage for this line may come from affiliated or partner carriers depending on product, jurisdiction and risk profile, without addressing how Corgi is compensated. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing")

You start Risklytics Workers' Compensation Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. [11](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Pricing page describes the general application and fee process, not a line-specific form..)

Corgi's reviewed pages do not state a comparable no-added-fee position for this line. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing")

### Buying Path

Corgi lists Worker's Compensation as a specialty coverage quoted with a 1-14 day turnaround, kept apart from the instant online flow used for its other startup lines. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes")

Risklytics says its online application for this line keeps a licensed producer on the file through binding. [11](https://www.risklytics.ai/pricing/ "How pricing and broker fees work")

### Naming an Insurer

No page names the carrier that issues Corgi's Worker's Compensation coverage. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing")

Risklytics also does not name a specific carrier for this line, but describes placing business with specialist insurers willing to write robotics, autonomy and AI risk. [10](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance")

## What to Confirm in Workers’ Compensation Insurance Quotes

- Ask Risklytics which specialist carrier it is proposing for the business's operations and whether that carrier is licensed in the business's state. [10](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance")
- Ask Corgi to name the entity that would actually underwrite the policy, since its disclosures describe the arrangement only in general terms. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing")
- Ask Corgi for its expected 1-14 day turnaround for the business's specific application. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes")
- Ask Risklytics to confirm in writing that no broker fee applies beyond the carrier-paid commission. [11](https://www.risklytics.ai/pricing/ "How pricing and broker fees work")
- Ask each for published benefit limits, since neither reviewed page discloses specific dollar figures for this line. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [10](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance")

## Offering Details

| Criteria | Corgi Worker's Compensation | Risklytics Workers' Compensation Insurance |
| --- | --- | --- |
| 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](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [6](https://www.corgi.insure/startup-insurance "Startup Insurance | Corgi Insurance") (Evidence: Company-reported; scope: 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..) | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Workers' Compensation Insurance with outside carriers; it says it does not underwrite policies itself. [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: About page; describes Risklytics' brokerage model generally, restated for this line..) |
| 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. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") (Evidence: Not publicly disclosed; scope: 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..) | Risklytics does not name the carrier that underwrites Risklytics Workers' Compensation Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. [10](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Lines page and about page; no specific insurer is published for this line..) |
| 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](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [6](https://www.corgi.insure/startup-insurance "Startup Insurance | Corgi Insurance") (Evidence: Not publicly disclosed; scope: Catalog description as of 2026-09-23; workers' compensation is state-mandated and rules vary by jurisdiction, which the reviewed pages do not address..) | Risklytics says the coverage is required by law in most states once a company has its first employee, and notes states differ on whether founders and officers can exclude themselves. [10](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Lines page..) |
| 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](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [6](https://www.corgi.insure/startup-insurance "Startup Insurance | Corgi Insurance") (Evidence: Company-reported; scope: One-sentence catalog description; no policy form, statutory-limits detail, monopolistic-state handling, or employer's-liability sublimit is published for this line..) | Risklytics describes Workers' Compensation as paying an injured employee's medical bills and part of their wages, citing a technician straining their back and a field installer falling from a ladder at a customer site as examples, and distinguishes it from general liability, which would answer a customer's own employee being hurt instead. [10](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) |
| 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](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [6](https://www.corgi.insure/startup-insurance "Startup Insurance | Corgi Insurance") (Evidence: Not publicly disclosed; scope: 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..) | Risklytics says statutory limits for this line are set by state law rather than chosen by the buyer. [10](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Lines page..) |
| Risk Services | The reviewed pages do not describe safety programs, return-to-work services, or claims-handling details specific to Worker's Compensation. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [6](https://www.corgi.insure/startup-insurance "Startup Insurance | Corgi Insurance") (Evidence: Not found in reviewed sources; scope: Homepage and startup-insurance page as read on 2026-09-23..) | Risklytics calls workers' compensation easy to get, since it is legally required and priced from the client's payroll and job classifications. [10](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Lines page..) |
| 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](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [6](https://www.corgi.insure/startup-insurance "Startup Insurance | Corgi Insurance") (Evidence: Company-reported; scope: Homepage and startup-insurance page policy-card labeling..) | You start Risklytics Workers' Compensation Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. [11](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Pricing page describes the general application and fee process, not a line-specific form..) |

## Full Comparison

- [Corgi vs Risklytics](https://spot.insure/compare/corgi-vs-risklytics): all coverage lines, business roles, service and claims.
- [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers' compensation addresses medical care, rehabilitation and lost wages for employees with work-related injuries or illnesses.
- [Corgi vs Risklytics Cyber Insurance](https://spot.insure/compare/corgi-vs-risklytics/cyber)
- [Corgi vs Risklytics D&O Insurance](https://spot.insure/compare/corgi-vs-risklytics/directors-officers)
- [Corgi vs Risklytics General Liability Insurance](https://spot.insure/compare/corgi-vs-risklytics/general-liability)
- [Corgi vs Risklytics Tech E&O Insurance](https://spot.insure/compare/corgi-vs-risklytics/technology-errors-omissions)
- [Corgi vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/corgi-vs-risklytics/umbrella-excess)
- [Alliance Risk vs Corgi Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/workers-compensation)
- [Alliance Risk vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/workers-compensation)
- [Amelia Risk vs Corgi Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/workers-compensation)
- [Amelia Risk vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/workers-compensation)
- [Chubb vs Corgi Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-corgi/workers-compensation)
- [Chubb vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-risklytics/workers-compensation)

## Sources

### Corgi

1. [Disclaimers & Licensing](https://www.corgi.insure/disclaimers). Corgi Insurance; Carrier Financial Strength; How Insurance Is Provided Through Corgi; Specialty Insurance Carrier and Underwriting Disclosures. Accessed 2026-09-23.
2. [Corgi Insurance: Startup Insurance, Quoted in Minutes](https://www.corgi.insure). 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.
3. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
4. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
5. [Insurance Topics: Risk Retention Groups](https://content.naic.org/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.
6. [Startup Insurance | Corgi Insurance](https://www.corgi.insure/startup-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.

### Risklytics

7. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
8. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
9. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
10. [Workers' Compensation Insurance](https://www.risklytics.ai/lines/workers-comp/). Risklytics; Coverage line: Workers’ Compensation; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
11. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23.

### Workers’ Compensation Insurance Guide

12. [Workers’ Compensation Insurance](https://content.naic.org/insurance-topics/workers%27-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.
13. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). 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.
14. [DWC employer information](https://www.dir.ca.gov/dwc/Employer.htm). 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.

Updated 2026-09-24. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/corgi-vs-risklytics/workers-compensation.md)
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- [Public page index](https://spot.insure/llms.txt)