Corgi vs Simply Business

Your Corgi policy’s named insurer provides coverage; Corgi Insurance Services, Inc. is the agency that sells and administers policies. ^1,2,4Company-reported. Distribution role and brand usage as of 15 September 2026. Producer licensing is not insurer authority, and group language does not make every group company the issuing insurer on a given policy.

Simply Business describes its U.S. service as an online commercial-insurance marketplace and licensed producer connecting business customers with insurers. Its June 30, 2026 Terms identify Simply Business, LLC and Harborway Insurance Agency, LLC d/b/a Harborway Insurance as licensed producers, with Harborway a Simply Business subsidiary; the Terms say Harborway policies are underwritten by Spinnaker Insurance Company. Other site policies are underwritten by third-party providers, so the selected issuer depends on the offer and policy. These roles and license statements are company-reported. The contact-page footer says Simply Business, LLC is licensed in all U.S. states and D.C.; for California it says the company operates under the name Simply Business Insurance Agency, LLC and displays License #0M20593. The footer also lists Colorado, New York, Pennsylvania and Texas operating names; it gives no other license identifiers. No regulator lookup was performed or required for this candidate. ^23,24,36,25Company-reported. U.S. commercial insurance distribution described by the company. Simply Business, LLC, Simply Business, Inc., Harborway Insurance Agency, LLC, the stated parent and each policy issuer are distinct. The Inc./LLC relationship remains unresolved.

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-reported. Company 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 company advertises online quotes and weekday phone access to licensed agents. Its Terms say a quote is not guaranteed and Simply Business cannot bind a risk without panel-member approval; a quote or online purchase path does not establish that every applicant can bind online. ^25,24Company-reported. Published U.S. quote and service channels. Binding depends on panel-member approval and the individual offer.

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-reported. Company 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.

Simply Business lists licensed-agent phone support Monday through Friday: sales 8 a.m.–8 p.m. Eastern Time and service 9 a.m.–6 p.m. These listed hours do not establish a response-time guarantee. ²⁵Company-reported. Hours displayed on the current U.S. contact page; no actual wait-time observation is implied.

The company describes account access for policy documents, certificates, account updates and adding coverage; help material routes some changes to an agent or insurer. Not every policy change is described as self-service. ^25,26,24Company-reported. Company-described post-purchase service paths; available tasks may depend on policy and insurer.

The Help Center FAQ says most customers opt into automatic renewal and gives 60-day notice and 30-day processing timing only for those who opt in. The same Help Center summary and June 30, 2026 Terms use broader automatic-renewal wording without the FAQ’s opt-in qualification. The public descriptions conflict; they do not establish which wording applies to every policy. ^26,24Conflicting sources. Company-published descriptions reviewed 2026-09-29. FAQ detail, Help Center summary and Terms are inconsistent; no buyer-specific policy notice was reviewed.

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-reported. Company 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.

The Terms say third-party insurers underwrite site policies and each provider handles claims on its own policies; the Help Center directs policyholders to identify and contact the insurer. This establishes a published route, not agency assistance after notice or claim outcomes. ^24,26Company-reported. General site-policy claim responsibility. Harborway/Spinnaker applies only to the named Harborway placement relationship.

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-reported. Company 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-reported. Company-announced admitted-carrier appetite. Filing a product is not the same as confirmed availability in a given state.

Simply Business says it serves small businesses and solopreneurs and lists examples such as contractors, cleaning businesses, LLCs and sole proprietors. These examples describe its stated audience, not guaranteed insurer eligibility or availability. ^23,28,24Company-reported. Company-described U.S. audience; eligibility varies by insurer, state and business details.

Ask for the commission or customer fee on your policy because Corgi Insurance Services may receive either from you or the insurer. ¹Company-reported. Producer 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-reported. Company-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.

The Terms say Simply Business receives commission or other compensation from or through panel members and that customers may also incur separate processing, administrative, service, installment or cancellation fees. They give no amount or placement-specific applicability; the Terms say charges are disclosed before purchase. ²⁴Company-reported. General disclosure dated 2026-06-30; no specific commission, fee schedule, premium or customer charge was reviewed.