--- title: "Corgi vs Simply Business: Workers’ Compensation Insurance" description: "Corgi quotes workers’ compensation as a specialty line with a stated one-to-fourteen-day turnaround, while Simply Business provides an online quote route subject to panel approval." canonical: "https://spot.insure/compare/corgi-vs-simply-business/workers-compensation" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "corgi-vs-simply-business" provider-a: "corgi" provider-b: "simply-business" coverage-line: "workers-compensation" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/corgi-vs-simply-business/workers-compensation) ## Agent Guide **What this page is:** Focused comparison of Corgi and Simply Business for Workers’ Compensation Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Workers’ Compensation Insurance questions about Corgi versus Simply Business. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Corgi vs Simply Business for Workers’ Compensation Insurance: how do they differ? - Which is better for Workers’ Compensation Insurance, Corgi or Simply Business? - What does Corgi or Simply Business publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Workers’ Compensation Insurance from Corgi or Simply Business? **Key facts:** - Line: Workers’ Compensation Insurance. Providers: Corgi and Simply Business. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Corgi vs Simply Business](https://spot.insure/compare/corgi-vs-simply-business) — parent: all coverage lines for this pair - [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — coverage explainer for this line - [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile (evidence) - [Simply Business profile](https://spot.insure/insurance-providers/simply-business) — provider profile (evidence) - [Corgi vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-simply-business/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Corgi Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-corgi/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Simply Business Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-simply-business/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Corgi Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Simply Business Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-simply-business/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Corgi Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Simply Business Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-simply-business/workers-compensation) — sibling comparison (other line, or other pair for this line) # Corgi vs Simply Business: How Do They Compare for Workers’ Compensation Insurance? Corgi quotes workers’ compensation as a specialty line with a stated one-to-fourteen-day turnaround, while Simply Business provides an online quote route subject to panel approval. ## Research Scope and Use Use this comparison to evaluate Corgi and Simply Business 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 places workers’ compensation outside its instant-quote products and states a one-to-fourteen-day quote window; Simply Business describes state-dependent online comparison. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [6](https://www.corgi.insure/startup-insurance "Startup Insurance | Corgi Insurance") [9](https://www.simplybusiness.com/business-insurance/workers-compensation-insurance/ "Workers’ Compensation Insurance for Small Business") [8](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") ## What Is Corgi Insurance? Corgi suits technology startups wanting packages organized from pre-seed through growth, with dashboard changes as the business grows; firms seeking only a direct single-carrier policy should compare alternatives. Issuers vary by 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) ## Simply Business: Online Small-Business Insurance Marketplace Simply Business describes a digital marketplace and licensed-producer service for small businesses. The policy and selected insurer determine coverage, fees, servicing and claims responsibilities. [7](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [8](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [Simply Business profile](https://spot.insure/insurance-providers/simply-business) ## What Is Workers’ Compensation Insurance? Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. [10](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [11](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [12](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information") [13](https://www.tdi.texas.gov/wc/employer/index.html "Employer resources") ## Key Differences in Workers’ Compensation Insurance ### Neither route promises Corgi’s instant startup quote Corgi places workers’ compensation among specialty lines with a one-to-fourteen-day quote turnaround, separate from its instant online quote flow for core startup policies. Simply Business offers an online workers’ compensation quote route, but says availability varies by state, insurer and business details. If timing matters, ask both when the quote will be ready and what underwriting information is needed. [6](https://www.corgi.insure/startup-insurance "Startup Insurance | Corgi Insurance") [8](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") ### Both summaries describe employee injury benefits Corgi says its policy provides medical expenses, lost wages and rehabilitation for work-related injury or illness. Simply Business also describes potential medical, rehabilitation, wage-replacement and death benefits, subject to state law and policy terms. Compare the proposed state policy forms to see the statutory benefits, waiting periods and any employer-liability coverage. [6](https://www.corgi.insure/startup-insurance "Startup Insurance | Corgi Insurance") [9](https://www.simplybusiness.com/business-insurance/workers-compensation-insurance/ "Workers’ Compensation Insurance for Small Business") ### The application route differs from binding approval Corgi states that workers’ compensation sits outside its self-service application and is quoted by its team. Simply Business describes online comparison but cautions that a quote is not guaranteed and a panel insurer must approve binding. Ask who will handle underwriting questions and what confirmation makes coverage effective. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [8](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") ## What to Confirm in Workers’ Compensation Insurance Quotes - Ask Corgi for a quote timeline after receiving your payroll and class details; ask Simply Business when panel approval is expected. [6](https://www.corgi.insure/startup-insurance "Startup Insurance | Corgi Insurance") [8](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") - Compare the selected insurer, state benefits and effective-date confirmation before treating either quote as active coverage. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [9](https://www.simplybusiness.com/business-insurance/workers-compensation-insurance/ "Workers’ Compensation Insurance for Small Business") ## Offering Details | Criteria | Corgi Worker's Compensation | Workers’ compensation insurance through Simply Business | | --- | --- | --- | | 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..) | Confirm in your quote. | | 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..) | Confirm in your quote. | | 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..) | The page explains that requirements vary by state and that a one-person LLC without employees may not be required to carry the coverage in many states. This is general education, not a jurisdiction-specific legal determination. [9](https://www.simplybusiness.com/business-insurance/workers-compensation-insurance/ "Workers’ Compensation Insurance for Small Business") (Evidence: Company-reported; scope: Company-published workers-compensation information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) | | 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..) | The company’s page describes workers’ compensation as potentially covering medical, rehabilitation, wage-replacement and death benefits for employees injured or made ill at work; state law and policy terms affect benefits. [9](https://www.simplybusiness.com/business-insurance/workers-compensation-insurance/ "Workers’ Compensation Insurance for Small Business") (Evidence: Company-reported; scope: Company-published workers-compensation information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) | | 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..) | Confirm in your quote. | | 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..) | Confirm in your quote. | | 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..) | The company publishes a workers’ compensation quote route. Its Terms say quote availability may vary by state, insurer and business details and binding requires panel-member approval. [9](https://www.simplybusiness.com/business-insurance/workers-compensation-insurance/ "Workers’ Compensation Insurance for Small Business") [8](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Company-published workers-compensation information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) | ## Full Comparison - [Corgi vs Simply Business](https://spot.insure/compare/corgi-vs-simply-business): all coverage lines, business roles, service and claims. - [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers’ compensation can pay medical care, rehabilitation and lost wages after an employee’s work-related injury or illness; state rules determine who must be covered. - [Corgi vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-simply-business/professional-errors-omissions) - [AIG vs Corgi Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-corgi/workers-compensation) - [AIG vs Simply Business Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-simply-business/workers-compensation) - [Alliance Risk vs Corgi Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/workers-compensation) - [Alliance Risk vs Simply Business Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-simply-business/workers-compensation) - [Amelia Risk vs Corgi Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/workers-compensation) - [Amelia Risk vs Simply Business Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-simply-business/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. ### Simply Business 7. [Our Small Business Insurance Story](https://www.simplybusiness.com/about-us/). Simply Business; Opening description and audience; digital marketplace, business types and U.S. service.. Accessed 2026-09-29. 8. [Terms of Service](https://www.simplybusiness.com/terms-conditions/). Simply Business; Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211.. Accessed 2026-09-29. 9. [Workers’ Compensation Insurance for Small Business](https://www.simplybusiness.com/business-insurance/workers-compensation-insurance/). Simply Business; Coverage and benefits lines 45–69; state/buyer qualifications lines 178–189.. Accessed 2026-09-29. ### Workers’ Compensation Insurance Guide 10. [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. 11. [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. 12. [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. 13. [Employer resources](https://www.tdi.texas.gov/wc/employer/index.html). Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16. Updated 2026-09-30. 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. ## Corgi Reviews Review Score: not enough ratings. The reviewed sources did not yield customer reviews; the inspected Trustpilot profiles showed none. Its Trustpilot page exists but shows no reviews or rating. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/corgi/reviews). ## Simply Business Reviews Review Score: 5.7 / 10 from 4 rated sources, equally weighted. Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0. - Trustpilot: TrustScore 4.3 (out of 5); 1901 reviews. Simply Business US Trustpilot profile. Reviews are not tied to a specific insurance line or insurer. Period: profile accessed 2026-09-29; 419 in last 12 months. Checked 2026-09-29. [Simply Business US Reviews](https://www.trustpilot.com/review/simplybusiness.com) - ConsumerAffairs: ConsumerAffairs header rating 1.0 (out of 5 (breakdown conflicts with review filters)); 148 reviews. ConsumerAffairs Simply Business page, broad business-insurance context; not line-specific. Period: page updated 2026-09-17; denominator unresolved. Checked 2026-09-29. [Simply Business Reviews](https://www.consumeraffairs.com/insurance/simply-business.html) - BBB: BBB business grade B+ (BBB letter grade). BBB profile classifies Simply Business as an insurance agency; business grade, consumer-review average and complaint ledger are separate measures, none is line-specific. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Simply Business BBB Business Profile](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591); [Simply Business BBB Complaints](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/complaints); [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews) - BBB: BBB customer review average 1.95 (out of 5); 20 reviews. BBB customer-review average for the Simply Business profile (Boston, MA). Separate from the business grade. Period: BBB review page checked 2026-09-29. Checked 2026-09-29. [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/simply-business/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/corgi-vs-simply-business/workers-compensation.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)