Corgi vs The Hartford: How Do They Compare for Business Owner’s Policy?

Corgi's BOP has a 1 to 14 day turnaround; The Hartford offers an online quote, reports an average $1,687 a year, and lets you add workers' comp, professional liability or commercial auto.

The Hartford gives you the fuller BOP, with business income built in and an online or phone quote. Corgi's BOP names only general liability and property and takes 1–14 days to quote. ^2,¹

What Are the Key Differences Between Corgi and The Hartford Business Owner’s Policy?

Lost Income Cover and Price Up Front

If a fire shuts your office for a month, The Hartford's BOP pays lost income as well as the property damage and liability. Corgi's listing names only general liability and property, so you'd need to ask whether lost income is covered. The Hartford also gives a price anchor: it estimates an average of $1,687 a year. Corgi publishes no premium. Choose The Hartford if you want lost-income cover and a quote today; choose Corgi if you already buy other lines there and can wait up to two weeks. ² ¹

Add-Ons Outside the Bundle

The Hartford sells workers' compensation, professional liability, commercial auto and data breach as separate add-ons. Corgi doesn't say what it will attach to its BOP, so ask when you apply. ² ¹

What Should You Confirm in Corgi and The Hartford Business Owner’s Policy Quotes?

Ask Corgi whether business income is on its form. ¹
Ask both which insurer issues the policy; The Hartford doesn't name the subsidiary, and Corgi doesn't name an insurer. ³ ¹
Get limits, deductibles and premium in writing from both; treat The Hartford's $1,687 as an average, not your price. ² ¹

Corgi vs The Hartford Business Owner’s Policy Compared

Corgi vs The Hartford: Business Owner’s Policy: documented features by provider

Criteria	Corgi Business Owners Policy (BOP)	The Hartford Business Owner's Policy (BOP)
How to Apply	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. ¹Company-reported. Homepage badge language only; the reviewed sources do not describe the actual BOP application steps or underwriting requirements.	The Hartford offers an online quote flow for a BOP, described as customizable by adding coverages; buyers can also call a listed phone number to start a quote. ²Company-reported. BOP product page as read 2026-09-23. Quote availability observed without completing a purchase.
Coverage Features	Corgi describes its BOP as combining general liability and commercial property coverage into a single policy, designed for small and growing businesses. ¹Company-reported. One-line homepage product description; no policy form, limits, exclusions or endorsement list is published for this line.	The Hartford says a BOP does not itself include workers' compensation, professional liability, commercial auto or data breach coverage, but these can be added on top of the base policy, along with off-premises utility business-income coverage. ²Company-reported. BOP product page as read 2026-09-23.
Role in This Line	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. ¹Company-reported. Homepage coverage catalog as read on 2026-09-23. No dedicated BOP product page was found on corgi.insure or its sitemap.	The Hartford's BOP bundles commercial property insurance, general liability insurance and business income (interruption) coverage into one policy, rather than requiring three separate policies. ²Company-reported. BOP product page as read 2026-09-23.