--- title: "Corgi vs The Hartford" description: "How Corgi’s stage-based startup packages and risk-retention-group paper differ from The Hartford’s insurer-group small-business and SaaS catalogue." canonical: "https://spot.insure/compare/corgi-vs-the-hartford" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Corgi", "The Hartford"] --- [Human-readable page](https://spot.insure/compare/corgi-vs-the-hartford) # Corgi vs The Hartford How Corgi’s stage-based startup packages and risk-retention-group paper differ from The Hartford’s insurer-group small-business and SaaS catalogue. ## Research Scope and Use Use this comparison to evaluate Corgi and The Hartford against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights Corgi is a technology-startup agency that packages liability lines, often through Technology Risk Retention Group. The Hartford is an insurer group that markets SaaS and other small-business policies, typically starting from a business owner’s policy, written by its own subsidiaries. [2](https://www.corgi.insure "Corgi Insurance homepage") [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [23](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [26](https://www.thehartford.com/legal-notice "Legal Notice") ## Introduction A pre-seed software-as-a-service team that needs directors and officers (D&O), technology errors and omissions (E&O) and cyber in one conversation is looking at a startup packager versus a traditional insurer that still sells property and workers’ compensation on its own paper. These are substitutes only if the same writing companies, forms and property lines can actually be bound for the locations you operate. [2](https://www.corgi.insure "Corgi Insurance homepage") [23](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") ## Documented Provider Strengths ### Corgi - Stage-based packages give technology startups a starting point from pre-seed through growth, with a custom option. [2](https://www.corgi.insure "Corgi Insurance homepage") [3](https://www.corgi.insure/about "About Corgi") [6](https://www.corgi.insure/customers "Customer Success Stories") [15](https://www.ycombinator.com/companies/corgi-insurance "Corgi Insurance company profile") (Evidence: Company-reported; scope: Company website positioning and package names; named customer stories on the customers page are testimonials, not a verified book of business.; verified: 2026-09-15.) - Corgi says customers can add or upgrade policies through its dashboard as funding, hiring and contract requirements change. [2](https://www.corgi.insure "Corgi Insurance homepage") [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") (Evidence: Company-reported; scope: 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.; verified: 2026-09-15.) ### The Hartford - The Hartford designs small-business packages for SaaS and other software companies, typically starting from a business owner’s policy. [23](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [24](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [46](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [45](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Company-reported; scope: Company marketing pages reviewed 16 September 2026. Marketing a SaaS page is not a finding that every software company is eligible.; verified: 2026-09-16.) - Small-business buyers can start an online quote-and-buy flow or call, or use an independent Hartford agent; commercial auto is not sold on that self-serve path. [24](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [23](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [30](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [29](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [39](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [41](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Public quote portal viewed without submitting an application on 16 September 2026. Quote speed and binding are not independently verified and are not the same as coverage in force.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | Corgi | The Hartford | | --- | --- | --- | | Business owner’s policy | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed [31](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") [23](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Cargo and transit | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Not listed | | Commercial auto | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed [39](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [23](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Commercial property | Not listed | Listed [33](https://www.thehartford.com/commercial-property-insurance "Commercial Property Insurance") [23](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Crime | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed [41](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | Cyber liability | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed [35](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [23](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Directors and officers | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed [41](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [42](https://www.thehartford.com/commercial-insurance-agents/resources-directors-officers "Directors and Officers Liability Insurance") | | Employee health and benefits | Not listed | Listed [46](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") | | Employment practices liability | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed [38](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [23](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Fiduciary liability | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed [41](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | General liability | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed [32](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") [23](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | | Hired and non-owned auto | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed [40](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [39](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") | | Kidnap and ransom | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed [41](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | Liquor liability | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Not listed | | Management liability | Not listed | Listed [41](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") | | Media liability | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Not listed | | Medical malpractice | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Not listed | | Professional liability / E&O | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed [37](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") | | Representations and warranties | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Not listed | | Technology errors and omissions | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed [36](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [35](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") | | Tools, equipment and inland marine | Not listed | Listed [45](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") | | Umbrella and excess liability | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed [43](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [44](https://www.thehartford.com/business-insurance/what-does-business-insurance-cover "Business Insurance Coverage") | | Workers’ compensation | Listed [2](https://www.corgi.insure "Corgi Insurance homepage") | Listed [34](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [23](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between Corgi and the Hartford ### Agency Packages Versus Insurer Subsidiaries Corgi Insurance Services, Inc. is the licensed agency that sells and administers Corgi policies; the insurer named on the policy provides the coverage. The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite; independent agents, brokers and Hartford employees distribute those products, and the brand name is not itself the insurer. Corgi’s value in this pair is coordinating a startup package and naming that insurer. Hartford’s value is that its Legal Notice lists the affiliates that may issue. Neither structure tells you which legal name will appear on a California declarations page until you have a quote. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [2](https://www.corgi.insure "Corgi Insurance homepage") [26](https://www.thehartford.com/legal-notice "Legal Notice") [29](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") ### Liability Packages, Property and California EPL Corgi markets combined general liability, D&O, technology E&O, cyber, media, employment practices, fiduciary and hired/non-owned auto, plus a Tech & AI Liability module. Federal RRG rules mean a risk-retention-group policy cannot supply property; any property or similar line needs another insurer. [2](https://www.corgi.insure "Corgi Insurance homepage") [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") The Hartford’s SaaS page starts with a BOP that includes commercial property and business income, then lists workers’ compensation, data-breach and commercial auto add-ons, with FailSafe technology E&O as a separate product. Built-in employment-practices coverage is expressly not part of the described BOP program in California. A Bay Area buyer who needs EPL and D&O therefore cannot treat Hartford’s BOP marketing as answering Corgi’s package list. [23](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [38](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [36](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") ### Paper Type and Guaranty-Fund Treatment Corgi identifies Technology Risk Retention Group as a primary underwriting entity, notes it has no AM Best rating, and discloses that RRG policies are outside state guaranty funds. It also says admitted affiliated or partner carriers rated A- or better may be available when a customer requires admitted paper. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [9](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") Hartford Fire Insurance Company is independently listed by California’s regulator as an authorized property-and-casualty insurer (NAIC 19682). Authorization still does not assign Hartford Fire to every SaaS or technology E&O policy. Ask each quote to name the writing company and whether the form is admitted, surplus or RRG. [50](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile "Hartford Fire Insurance Company") [26](https://www.thehartford.com/legal-notice "Legal Notice") ### How You Buy and What You Pay Besides Premium Corgi offers a self-serve path and a specialist call. It publishes company claims of minute quotes and same-day purchase, plus typical price bands for early-stage packages. Those are Corgi’s marketing statements, not a promised bind time for every applicant. Binding conditions in its disclosures need to be read against any binder language. [2](https://www.corgi.insure "Corgi Insurance homepage") [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") The Hartford’s small-business portal is a quote-and-buy flow you can complete without an agent, though commercial auto is routed off that path. Its compensation page describes commissions to independent producers; it does not publish your premium. Corgi’s listed bands are not a Hartford quote. [30](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [39](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [47](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") ## What to Confirm in Quotes - **Writing company and paper:** RRG versus admitted partner on the Corgi side; which Hartford subsidiary and whether FailSafe is on the online path. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [26](https://www.thehartford.com/legal-notice "Legal Notice") - **Property, WC and California EPL:** whether Corgi uses a second insurer for property, and whether Hartford will quote EPL, D&O and tech E&O for a California SaaS risk. [38](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [2](https://www.corgi.insure "Corgi Insurance homepage") - **Binding and price:** Corgi binder versus issued policy; Hartford payment and producer fees; match limits and retroactive dates rather than package names. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [47](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") ## Service Comparison Corgi vs The Hartford: documented services and availability. | Criteria | Corgi | The Hartford | | --- | --- | --- | | Business role | Corgi Insurance Services, Inc. is the licensed agency that sells and administers Corgi policies. The insurer named in your policy provides the coverage. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [2](https://www.corgi.insure "Corgi Insurance homepage") [4](https://www.corgi.insure/broker-licenses "Insurance Producer Licenses") (Evidence: Company-reported; scope: 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.; verified: 2026-09-15.) | The Hartford is the brand of The Hartford Insurance Group, Inc., a financial holding company whose subsidiaries underwrite property-and-casualty insurance, employee benefits and other financial products. Independent agents and brokers, and Hartford employees who sell insurance, distribute those products. The brand is not itself the insurer on a policy. [26](https://www.thehartford.com/legal-notice "Legal Notice") [47](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") [43](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [29](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") (Evidence: Company-reported; scope: Group legal-notice and producer-compensation disclosures as of 16 September 2026. The issuing company and any producer of record still have to be read from a quote or policy.; verified: 2026-09-16.) | | Coverage lines | Corgi’s startup packages combine general liability, directors and officers, technology errors and omissions, cyber, media, employment practices, fiduciary, and hired and non-owned auto coverage. Its technology offering includes a Tech & AI Liability module. [2](https://www.corgi.insure "Corgi Insurance homepage") [8](https://www.corgi.insure/ai "Insurance for AI, Built for Model Risk") [10](https://www.prnewswire.com/news-releases/corgi-insurance-raises-108-million-receives-regulatory-approval-to-launch-the-first-full-stack-insurance-carrier-for-startups-302657727.html "Corgi Insurance Raises $108 Million, Receives Regulatory Approval to Launch the First Full-Stack Insurance Carrier for Startups") (Evidence: Company-reported; scope: Website product labels and package descriptions. Labels are not equivalent coverage, and website summaries are not policy wording.; verified: 2026-09-15.)

Corgi’s D&O page describes claims-made coverage for directors, officers, and the company under form CORG-DO-0100, issued by Technology Risk Retention Group. The example has defense costs within the policy limit and a $25,000 per-claim retention—the portion of a claim you pay. Your quote and policy set the actual terms. [5](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Public product-page summary last reviewed 24 April 2026 on the page itself; illustrative limits and retentions may differ from a buyer’s policy.; verified: 2026-09-15.)

Risk retention groups can write business liability insurance for their members. They cannot provide other types of insurance, such as property coverage, so a package with those products needs another insurer. [19](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section3901&num=0&edition=prelim "15 U.S.C. § 3901 — Definitions") [21](https://www.azleg.gov/ars/20/02402.htm "Arizona Revised Statutes § 20-2402") (Evidence: Verified; scope: Statutory limit on what an RRG may write. It does not by itself prove which Corgi product sits on which paper.; verified: 2026-09-15.) | Documented Hartford offerings for businesses include a business owner’s policy (general liability, commercial property and business income), stand-alone general liability and commercial property, workers’ compensation, cyber (including BOP data-breach add-ons, CyberChoice First Response and FailSafe Technology E&O), miscellaneous professional liability, employment practices liability, commercial auto and hired/non-owned auto, management-liability packages (Private Choice Premier: directors and officers, EPL, fiduciary, crime, kidnap and ransom), commercial umbrella, employee benefits, and inland marine for midsize and large accounts. Actual forms, limits and availability vary by product, state and underwriting. [23](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [31](https://www.thehartford.com/business-owners-policy "Business Owner’s Policy (BOP) Insurance") [35](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [36](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance | Technology E&O") [37](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [38](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") [39](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [40](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto "Hired and Non-Owned Vehicle Insurance | HNOA") [41](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [43](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [46](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [45](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Company-reported; scope: Product and service pages reviewed 16 September 2026. Educational FAQs were not used as the sole proof of an offering. Marketing lists are not specimen policy wording.; verified: 2026-09-16.)

The Hartford’s employment-practices page states there is no built-in EPL coverage in California, Minnesota, North Dakota or New York, and that the EPL program described on that page does not apply to EPL coverage written in California. Coverages also vary by state and class. [38](https://www.thehartford.com/employment-practices-insurance "Employment Practices Liability Insurance | EPL Insurance") (Evidence: Company-reported; scope: Company footnotes on the EPLI page, last updated 26 November 2025, rechecked 16 September 2026. This does not establish whether a California buyer can buy stand-alone or differently structured EPL.; verified: 2026-09-16.) | | Access to insurers | Corgi uses affiliated and partner insurers. Your policy names the insurer and claims administrator for your coverage. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") (Evidence: Company-reported; scope: Company disclosure of variable issuing paper. Do not treat the Corgi brand, the producer, or any one carrier as the insurer on every policy.; verified: 2026-09-15.)

Technology Risk Retention Group, Inc. appears in the NAIC company listing as Arizona-domiciled property and casualty company code 17763 (listed as TECHNOLOGY RRG INC). Corgi’s disclaimers call TRRG the group’s primary underwriting entity and a risk retention group organized under the Liability Risk Retention Act. The same Carrier Financial Strength paragraph describes TRRG as federally chartered and operating under federal prudential oversight; that wording is company language and is not adopted here as a legal conclusion. [17](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [3](https://www.corgi.insure/about "About Corgi") [2](https://www.corgi.insure "Corgi Insurance homepage") [18](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups") [19](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section3901&num=0&edition=prelim "15 U.S.C. § 3901 — Definitions") (Evidence: Company-reported; scope: Entity identity and Arizona domicile are supported by the NAIC listing. Which Corgi products currently issue on TRRG paper is company-described and can vary by account. NAIC and the Liability Risk Retention Act describe RRGs as state-chartered or state-licensed liability insurers with domiciliary-state regulation of formation and operation.; verified: 2026-09-15.)

A risk retention group is a member-owned liability insurer licensed in its home state. Federal law lets it operate in other states through registration. Members must have similar or related business risks. [18](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups") [19](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section3901&num=0&edition=prelim "15 U.S.C. § 3901 — Definitions") [21](https://www.azleg.gov/ars/20/02402.htm "Arizona Revised Statutes § 20-2402") (Evidence: Verified; scope: General RRG charter, membership, and oversight from current NAIC topic material last updated 13 October 2025 and the cited statutes. This is not a statement of TRRG’s surplus, a federal charter, or of which Corgi products currently issue on TRRG paper. The reviewed sources do not describe voting, dividend, or assessment rights for a Corgi policyholder in practice.; verified: 2026-09-15.)

For customers who need an admitted insurer, Corgi says it can use affiliated or partner carriers rated A- or better by AM Best. Options depend on the state, coverage, and business. Eligible admitted policies may have state guaranty-association protection, subject to that state’s limits. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [3](https://www.corgi.insure/about "About Corgi") [2](https://www.corgi.insure "Corgi Insurance homepage") [9](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") (Evidence: Company-reported; scope: Company description of an alternative placement path. It is not a guarantee that a given account will receive A- admitted paper, not an AM Best rating of TRRG or of Corgi Insurance Company, Inc., and not a blanket guarantee of guaranty-association payment. Guaranty-association language does not apply to risk retention group policies.; verified: 2026-09-15.)

Corgi says Technology Risk Retention Group does not have an AM Best rating. A financial-strength rating and admitted status are separate things. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [5](https://www.corgi.insure/directors-and-officers "Directors & Officers (D&O) Insurance for Startups") (Evidence: Company-reported; scope: Company statement about TRRG. Admitted status, an AM Best rating, and financial condition are separate facts. This profile does not assign a financial-strength grade to TRRG.; verified: 2026-09-15.)

Corgi Insurance Company’s August 2026 launch announcement did not give a financial-strength rating or a complete list of licensed states. Confirm both if they are requirements for your business. [9](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [22](https://www.insurancebusinessmag.com/us/news/breaking-news/corgi-built-its-name-insuring-ai-startups--its-new-carrier-targets-dry-cleaners-salons-and-more-587646.aspx "Corgi built its name insuring AI startups. Its new carrier targets dry cleaners, salons and more") (Evidence: Not found in reviewed sources; scope: Reviewed public sources as of 15 September 2026. Not finding a published rating is not a finding that the company has no rating, no capital, or no authorization.; verified: 2026-09-15.)

Policies issued by a risk retention group are not covered by state insurance guaranty funds. Corgi includes this notice for policies issued by Technology Risk Retention Group. [20](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section3902&num=0&edition=prelim "15 U.S.C. § 3902 — Risk retention groups") [2](https://www.corgi.insure "Corgi Insurance homepage") [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") (Evidence: Verified; scope: RRG policies. This is a statutory qualification, not a prediction of insolvency, and it is not a statement about admitted policies.; verified: 2026-09-15.)

Corgi says its insurers may share risk with reinsurers, while the insurer on your policy remains responsible for claims. Its public disclosures do not name the current reinsurers or their contract terms. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [14](https://kindredventures.com/announcement/corgi-rebuilding-insurance-with-ai/ "Corgi: Rebuilding Insurance with AI") (Evidence: Not publicly disclosed; scope: Public disclosures as of 15 September 2026. Not identifying a named panel is not a finding that there is no reinsurance.; verified: 2026-09-15.) | Coverages described on Hartford sites may be offered by one or more property-and-casualty subsidiaries listed in the Legal Notice. Hartford Fire Insurance Company (NAIC 19682) is authorized in all U.S. states and the District of Columbia according to that notice, and California CDI independently confirms its California authorization. Employee-benefits pages also name Hartford Life and Accident Insurance Company. The reviewed sources do not identify the writing company that would appear on a specific SaaS, BOP or technology E&O policy. [26](https://www.thehartford.com/legal-notice "Legal Notice") [43](https://www.thehartford.com/commercial-insurance "Commercial Insurance") [32](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") [46](https://www.thehartford.com/employee-benefits "Employee Benefits Insurance") [50](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile "Hartford Fire Insurance Company") (Evidence: Company-reported; scope: Legal notice writing-company table as of 31 December 2025, rechecked 16 September 2026, plus CDI verification for Hartford Fire only. Other affiliates were not each re-checked at a state regulator.; verified: 2026-09-16.) | | Application process | You can apply online or book a call with a Corgi specialist. Corgi says eligible applicants can get a quote in minutes and buy coverage the same day. Its disclosures describe both an issued-policy-and-payment condition and temporary coverage under a written binder. Confirm the applicable conditions and effective date in writing. [2](https://www.corgi.insure "Corgi Insurance homepage") [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") (Evidence: Company-reported; scope: 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.; verified: 2026-09-15.) | The Hartford says eligible small-business buyers can get a free quote online in minutes or by phone, and can also buy through independent agents. Its public quote-and-buy portal shows steps from Basics through Payment and Confirmation. It also says buyers can purchase without an agent. Commercial auto for small businesses is not currently offered on that online path and may be quoted through a local agency or Tivly. Management-liability pages direct buyers to find a local agent. [24](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [23](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [30](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp "Small Business Insurance Quote") [29](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [39](https://www.thehartford.com/commercial-auto-insurance "Commercial Auto Insurance Coverage") [41](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Public quote portal viewed without submitting an application on 16 September 2026. Quote speed and binding are not independently verified and are not the same as coverage in force.; verified: 2026-09-16.) | | Fees and compensation | Corgi Insurance Services may receive commissions or fees from the insurer or the customer. You can ask for the type and amount of compensation on your policy. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") (Evidence: Company-reported; scope: 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.; verified: 2026-09-15.)

Corgi lists typical annual prices of $2,000–$5,000 for eligible pre-seed and seed startups and $5,000–$15,000 for Series A companies. Your price depends on the business, state, coverage, limits, and other underwriting details. [2](https://www.corgi.insure "Corgi Insurance homepage") [6](https://www.corgi.insure/customers "Customer Success Stories") [7](https://www.corgi.insure/partnerships "Partnerships") (Evidence: Company-reported; scope: 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.; verified: 2026-09-15.) | The Hartford discloses that it pays independent producers base commissions (a percentage of premium or a fixed amount per policy), and may also pay contingent or supplemental commissions, fees for services, delegated-underwriting compensation and other benefits. Employees who sell insurance may receive extra compensation beyond salary. Producers may charge their own customer fees that are not Hartford premium. The reviewed pages do not publish the commission rate or any Hartford-charged service fee that would apply to a particular buyer’s policy. Published “average premiums” are company-reported estimates, not quotes. [47](https://www.thehartford.com/producer-compensation "Producer Compensation Property & Casualty") [29](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent") [24](https://www.thehartford.com/business-insurance "Small Business Insurance | Get a Quote") [23](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") (Evidence: Company-reported; scope: Producer compensation disclosure and product-page premium footnotes as of 16 September 2026. Missing a fee schedule is not a finding of zero buyer cost beyond premium.; verified: 2026-09-16.) | ## Related Reading - [What Is Corgi Insurance?](https://spot.insure/insurance-providers/corgi) - [What Is The Hartford?](https://spot.insure/insurance-providers/the-hartford) ## Related Comparisons - [Alliance Risk vs Corgi](https://spot.insure/compare/alliance-risk-vs-corgi) - [Alliance Risk vs The Hartford](https://spot.insure/compare/alliance-risk-vs-the-hartford) - [Amelia Risk vs Corgi](https://spot.insure/compare/amelia-risk-vs-corgi) - [Amelia Risk vs The Hartford](https://spot.insure/compare/amelia-risk-vs-the-hartford) - [Armilla vs Corgi](https://spot.insure/compare/armilla-vs-corgi) - [Armilla vs The Hartford](https://spot.insure/compare/armilla-vs-the-hartford) - [At-Bay vs Corgi Insurance](https://spot.insure/compare/at-bay-vs-corgi) - [At-Bay vs The Hartford](https://spot.insure/compare/at-bay-vs-the-hartford) - [Beazley vs Corgi](https://spot.insure/compare/beazley-vs-corgi) - [Beazley vs The Hartford](https://spot.insure/compare/beazley-vs-the-hartford) - [CFC vs Corgi](https://spot.insure/compare/cfc-vs-corgi) - [CFC vs The Hartford](https://spot.insure/compare/cfc-vs-the-hartford) - [Chubb vs Corgi](https://spot.insure/compare/chubb-vs-corgi) - [Chubb vs The Hartford](https://spot.insure/compare/chubb-vs-the-hartford) - [Coalition vs Corgi](https://spot.insure/compare/coalition-vs-corgi) - [Coalition vs The Hartford](https://spot.insure/compare/coalition-vs-the-hartford) - [Corgi vs Coterie Insurance](https://spot.insure/compare/corgi-vs-coterie) - [Corgi vs Coverdash](https://spot.insure/compare/corgi-vs-coverdash) - [Corgi vs Cowbell](https://spot.insure/compare/corgi-vs-cowbell) - [Corgi vs Embroker](https://spot.insure/compare/corgi-vs-embroker) - [Corgi vs Founder Shield](https://spot.insure/compare/corgi-vs-foundershield) - [Corgi vs Gallagher](https://spot.insure/compare/corgi-vs-gallagher) - [Corgi vs Harper](https://spot.insure/compare/corgi-vs-harper) - [Corgi vs Heffernan](https://spot.insure/compare/corgi-vs-heffernan) - [Corgi vs Hiscox](https://spot.insure/compare/corgi-vs-hiscox) - [Corgi vs HUB International](https://spot.insure/compare/corgi-vs-hub-international) - [Corgi vs Kinro](https://spot.insure/compare/corgi-vs-kinro) - [Corgi vs Layr](https://spot.insure/compare/corgi-vs-layr) - [Corgi vs Lockton](https://spot.insure/compare/corgi-vs-lockton) - [Corgi vs Marsh](https://spot.insure/compare/corgi-vs-marsh) - [Corgi vs Mylo](https://spot.insure/compare/corgi-vs-mylo) - [Corgi vs Newfront](https://spot.insure/compare/corgi-vs-newfront) - [Corgi vs ERGO NEXT Insurance](https://spot.insure/compare/corgi-vs-next-insurance) - [Corgi vs Pie Insurance](https://spot.insure/compare/corgi-vs-pie-insurance) - [Corgi vs Relm Insurance](https://spot.insure/compare/corgi-vs-relm) - [Corgi vs Resilience](https://spot.insure/compare/corgi-vs-resilience) - [Corgi vs RiskCube](https://spot.insure/compare/corgi-vs-riskcube) - [Corgi vs Risklytics Insurance](https://spot.insure/compare/corgi-vs-risklytics) - [Corgi vs StartupInsurance.ai](https://spot.insure/compare/corgi-vs-startupinsurance) - [Corgi vs TechInsurance](https://spot.insure/compare/corgi-vs-techinsurance) - [Corgi vs Travelers Insurance](https://spot.insure/compare/corgi-vs-travelers) - [Corgi vs USI](https://spot.insure/compare/corgi-vs-usi) - [Corgi vs Vouch](https://spot.insure/compare/corgi-vs-vouch) - [Corgi vs WithCoverage](https://spot.insure/compare/corgi-vs-withcoverage) - [Coterie Insurance vs The Hartford](https://spot.insure/compare/coterie-vs-the-hartford) - [Coverdash vs The Hartford](https://spot.insure/compare/coverdash-vs-the-hartford) - [Cowbell vs The Hartford](https://spot.insure/compare/cowbell-vs-the-hartford) - [Embroker vs The Hartford](https://spot.insure/compare/embroker-vs-the-hartford) - [Founder Shield vs The Hartford](https://spot.insure/compare/foundershield-vs-the-hartford) - [Gallagher vs The Hartford](https://spot.insure/compare/gallagher-vs-the-hartford) - [Harper vs The Hartford](https://spot.insure/compare/harper-vs-the-hartford) - [Heffernan vs The Hartford](https://spot.insure/compare/heffernan-vs-the-hartford) - [Hiscox vs The Hartford](https://spot.insure/compare/hiscox-vs-the-hartford) - [HUB International vs The Hartford](https://spot.insure/compare/hub-international-vs-the-hartford) - [Kinro vs The Hartford](https://spot.insure/compare/kinro-vs-the-hartford) - [Layr vs The Hartford](https://spot.insure/compare/layr-vs-the-hartford) - [Lockton vs The Hartford](https://spot.insure/compare/lockton-vs-the-hartford) - [Marsh vs The Hartford](https://spot.insure/compare/marsh-vs-the-hartford) - [Mylo vs The Hartford](https://spot.insure/compare/mylo-vs-the-hartford) - [Newfront vs The Hartford](https://spot.insure/compare/newfront-vs-the-hartford) - [ERGO NEXT Insurance vs The Hartford](https://spot.insure/compare/next-insurance-vs-the-hartford) - [Pie Insurance vs The Hartford](https://spot.insure/compare/pie-insurance-vs-the-hartford) - [Relm vs The Hartford](https://spot.insure/compare/relm-vs-the-hartford) - [Resilience vs The Hartford](https://spot.insure/compare/resilience-vs-the-hartford) - [RiskCube vs The Hartford](https://spot.insure/compare/riskcube-vs-the-hartford) - [Risklytics vs The Hartford](https://spot.insure/compare/risklytics-vs-the-hartford) - [StartupInsurance.ai vs The Hartford](https://spot.insure/compare/startupinsurance-vs-the-hartford) - [TechInsurance vs The Hartford](https://spot.insure/compare/techinsurance-vs-the-hartford) - [The Hartford vs Travelers Insurance](https://spot.insure/compare/the-hartford-vs-travelers) - [The Hartford vs USI](https://spot.insure/compare/the-hartford-vs-usi) - [The Hartford vs Vouch](https://spot.insure/compare/the-hartford-vs-vouch) - [The Hartford vs WithCoverage](https://spot.insure/compare/the-hartford-vs-withcoverage) ## Sources ### [Corgi Official Website](https://www.corgi.insure) 1. [Disclaimers & Licensing](https://www.corgi.insure/disclaimers). Corgi Insurance Services, Inc.; Carrier Financial Strength (including “federally chartered” and “federal prudential oversight” wording); About Corgi; Licensing; Premium and Payment Disclosures (producer commissions, fees, or other consideration, amounts available on request); Binding Authority and Policy Issuance. Page last updated 04/05/26.. Accessed 2026-09-15. 2. [Corgi Insurance homepage](https://www.corgi.insure). Corgi Insurance Services, Inc.; Product packages; Self-Serve (apply, get quoted in minutes, bind same-day) and Book a Demo paths; FAQ on cost, claims, and binding; footer entity notices. Accessed 2026-09-15. 3. [About Corgi](https://www.corgi.insure/about). Corgi Insurance Services, Inc.; Company description; Federally Regulated, A-Rated Admitted Access, and Licensed Nationwide sections. Accessed 2026-09-15. 4. [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses). Corgi Insurance Services, Inc.; State-by-state producer license table for Corgi Insurance Services, Inc.. Accessed 2026-09-15. 5. [Directors & Officers (D&O) Insurance for Startups](https://www.corgi.insure/directors-and-officers). Corgi Insurance Services, Inc.; Form CORG-DO-0100 coverage summary; policy notes stating TRRG underwrites the D&O coverage part; footer identifying Corgi Insurance Company, Inc. NAIC 17989. Accessed 2026-09-15. 6. [Customer Success Stories](https://www.corgi.insure/customers). Corgi Insurance Services, Inc.; Page heading and named technology-company testimonials; cost FAQ. Accessed 2026-09-15. 7. [Partnerships](https://www.corgi.insure/partnerships). Corgi Insurance Services, Inc.; Direct Underwriting savings claim; partner-page process; onboarding-to-claims handling claim. Accessed 2026-09-15. 8. [Insurance for AI, Built for Model Risk](https://www.corgi.insure/ai). Corgi Insurance Services, Inc.; Tech & AI Liability product description and related AI-risk FAQ. Accessed 2026-09-15. 9. [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. 10. [Corgi Insurance Raises $108 Million, Receives Regulatory Approval to Launch the First Full-Stack Insurance Carrier for Startups](https://www.prnewswire.com/news-releases/corgi-insurance-raises-108-million-receives-regulatory-approval-to-launch-the-first-full-stack-insurance-carrier-for-startups-302657727.html). PR Newswire (Corgi press release); 9 January 2026 funding announcement; listed startup coverage lines; company-reported ARR figure. Accessed 2026-09-15. 11. [Corgi Reaches $2.6B Valuation With $106M Series B1 Three Weeks After $160M Unicorn Round](https://www.prnewswire.com/news-releases/corgi-reaches-2-6b-valuation-with-106m-series-b1-three-weeks-after-160m-unicorn-round-302784796.html). PR Newswire (Corgi press release); 28 May 2026 company statement of $378 million total funding and planned vertical expansion. Accessed 2026-09-15. 12. [Corgi Insurance Launches Corgi Claims, the AI-Native TPA](https://www.prnewswire.com/news-releases/corgi-insurance-launches-corgi-claims-the-ai-native-tpa-302813039.html). PR Newswire (Corgi press release); 29 June 2026 launch of Corgi Claims as a TPA; disclaimer that claims services are provided through licensed subsidiaries and affiliates. Accessed 2026-09-15. 13. [Corgi Insurance and Silicon Valley Bank Partner to Connect Clients to Preferred Coverage Solutions](https://www.prnewswire.com/news-releases/corgi-insurance-and-silicon-valley-bank-partner-to-connect-clients-to-preferred-coverage-solutions-302803621.html). PR Newswire (Corgi and Silicon Valley Bank press release); 17 June 2026 partnership announcement for SVB client access to Corgi products. Accessed 2026-09-15. 14. [Corgi: Rebuilding Insurance with AI](https://kindredventures.com/announcement/corgi-rebuilding-insurance-with-ai/). Kindred Ventures; 8 January 2026 investor announcement describing Corgi as a full-stack carrier with a captive reinsurer; company-reported 40,000+ policyholders across 49 states. Accessed 2026-09-15. 15. [Corgi Insurance company profile](https://www.ycombinator.com/companies/corgi-insurance). Y Combinator; Summer 2024 batch; San Francisco location; 2024 founding; team size 250; description as a full-stack insurance carrier for startups. Accessed 2026-09-15. 16. [Registered Federal Risk Retention Groups](https://dbr.ri.gov/sites/g/files/xkgbur696/files/2026-01/Registered_Federal_Risk_Retention_Groups.pdf). Rhode Island Department of Business Regulation; Report date 23 June 2026; registration entry for Technology Risk Retention Group, Inc., NAIC 17763, 425 Bush St., San Francisco, CA 94108. Document title uses “Federal”; that is the state’s list label, not TRRG’s charter type.. Accessed 2026-09-15. 17. [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. 18. [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. 19. [15 U.S.C. § 3901 — Definitions](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section3901&num=0&edition=prelim). U.S. House Office of the Law Revision Counsel; Liability Risk Retention Act definitions of liability and risk retention group, including state charter, member-ownership, and liability-only activity limits. Accessed 2026-09-15. 20. [15 U.S.C. § 3902 — Risk retention groups](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section3902&num=0&edition=prelim). U.S. House Office of the Law Revision Counsel; Non-domicile state registration and policy notice requirements; exemption from state insurance insolvency guaranty associations. Accessed 2026-09-15. 21. [Arizona Revised Statutes § 20-2402](https://www.azleg.gov/ars/20/02402.htm). Arizona Legislature; Risk retention groups chartered and licensed in Arizona may write only liability insurance under that chapter. Accessed 2026-09-15. 22. [Corgi built its name insuring AI startups. Its new carrier targets dry cleaners, salons and more](https://www.insurancebusinessmag.com/us/news/breaking-news/corgi-built-its-name-insuring-ai-startups--its-new-carrier-targets-dry-cleaners-salons-and-more-587646.aspx). Insurance Business; 27 August 2026 report identifying Technology Risk Retention Group as an Arizona-chartered RRG and noting that the admitted-carrier announcement does not specify domicile, licensed states, or rating status. Accessed 2026-09-15. ### [The Hartford Official Website](https://www.thehartford.com) 23. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); BOP contents; add-ons (workers’ compensation, data breach, commercial auto); cyber, EPLI, technology professional liability mentions; online quote claim; company-reported industry-average premiums footnote. Accessed 2026-09-16. 24. [Small Business Insurance | Get a Quote](https://www.thehartford.com/business-insurance). The Hartford; Small-business positioning; BOP package; product list including professional liability, cyber, EPLI, commercial auto; quote in minutes and COI 24/7; phone 855-487-0783; availability footnote that products are not available in all states or for all businesses. Accessed 2026-09-16. 25. [California Business Insurance](https://www.thehartford.com/business-insurance/california). The Hartford; Coverages marketed for California (BOP, general liability, workers’ compensation, commercial auto, commercial property, professional liability); statement that California buyers can get a quote online or by phone; company-reported California customer averages. Accessed 2026-09-16. 26. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16. 27. [The Hartford Announces First Quarter 2025 Financial Results](https://ir.thehartford.com/news/news-details/2025/The-Hartford-Announces-First-Quarter-2025-Financial-Results/default.aspx). The Hartford; Boilerplate: The Hartford Insurance Group, Inc. (formerly Hartford Financial Services Group, Inc.), NYSE: HIG, operates through subsidiaries under the brand The Hartford, headquartered in Hartford, Connecticut. Accessed 2026-09-16. 28. [About Us](https://www.thehartford.com/about-us). The Hartford; Property and casualty insurance, group benefits and mutual funds positioning; more than 200 years of operation. Accessed 2026-09-16. 29. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16. 30. [Small Business Insurance Quote](https://quotesmallbusiness.thehartford.com/quote-and-buy/quote-oqp). The Hartford; Public first screen: business-status and structure questions; steps labeled Basics, Coverages, Details, Price, Review, Payment and Confirmation; help phone 1-855-431-1252 (M–F 8am–8pm ET). Viewed without submitting an application. Accessed 2026-09-16. 31. [Business Owner’s Policy (BOP) Insurance](https://www.thehartford.com/business-owners-policy). The Hartford; BOP contents (property, general liability, business income); optional add-ons including workers’ compensation, professional liability, commercial auto and cyber; last updated May 20, 2026; products-not-available-in-all-states footnote. Accessed 2026-09-16. 32. [General Liability Insurance](https://www.thehartford.com/general-liability-insurance). The Hartford; Stand-alone GL and BOP bundling; products-completed operations; technology-company example; last updated May 20, 2026; subsidiary-offering disclosure referencing the Legal Notice. Accessed 2026-09-16. 33. [Commercial Property Insurance](https://www.thehartford.com/commercial-property-insurance). The Hartford; Property and business-interruption descriptions; technology firms listed among common buyers; COI online; claims phone 800-327-3638; last updated August 13, 2025. Accessed 2026-09-16. 34. [Workers' Compensation Insurance Plans](https://www.thehartford.com/workers-compensation). The Hartford; State-requirement quiz noting some states require purchase from a state-run program rather than a private insurer; pay-as-you-go billing; My Workers’ Comp Connection portal; provider-network and pharmacy statements. Accessed 2026-09-16. 35. [Cyber Insurance for Small Businesses](https://www.thehartford.com/cyber-insurance). The Hartford; BOP-endorsed cyber versus CyberChoice First Response versus FailSafe Technology E&O; Cyber Center; FirstResponse hotline 800-370-0605; last updated March 10, 2026. Accessed 2026-09-16. 36. [Technology Errors and Omissions Insurance | Technology E&O](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; FailSafe Technology Liability Product Suite features including E&O, security, data privacy/network security, personal injury, intellectual property and media liability; software and SaaS-relevant buyer classes; last updated September 19, 2024. Accessed 2026-09-16. 37. [Professional Liability Insurance Coverage](https://www.thehartford.com/professional-liability-insurance). The Hartford; Miscellaneous professional liability and a listed Errors & Omissions Insurance for Technology Companies product; claims-made versus occurrence discussion; My Account COI requests; last updated May 4, 2026. Accessed 2026-09-16. 38. [Employment Practices Liability Insurance | EPL Insurance](https://www.thehartford.com/employment-practices-insurance). The Hartford; Hartford-provided EPLI; BOP inclusion claim; Private Choice Premier and Employers Premier Choice; footnotes that built-in EPL coverage is not available in California, Minnesota, North Dakota or New York and that the described EPL program does not apply to EPL written in California; last updated November 26, 2025. Accessed 2026-09-16. 39. [Commercial Auto Insurance Coverage](https://www.thehartford.com/commercial-auto-insurance). The Hartford; Statement that The Hartford does not currently offer this coverage online for small businesses and may route quotes through a local agency or Tivly; hired and non-owned auto description; last updated August 27, 2026. Accessed 2026-09-16. 40. [Hired and Non-Owned Vehicle Insurance | HNOA](https://www.thehartford.com/commercial-auto-insurance/hired-non-owned-auto). The Hartford; Hartford offering of hired and non-owned auto; liability-only limitations; last updated August 27, 2026. Accessed 2026-09-16. 41. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). The Hartford; Private Choice Premier package (D&O, EPL, fiduciary, crime, kidnap and ransom/extortion); option to add certain coverages to a BOP; instruction to find a local agent. Accessed 2026-09-16. 42. [Directors and Officers Liability Insurance](https://www.thehartford.com/commercial-insurance-agents/resources-directors-officers). The Hartford; Agent-facing D&O solutions for public companies, financial institutions, and private or nonprofit organizations via Private Choice Premier. Accessed 2026-09-16. 43. [Commercial Insurance](https://www.thehartford.com/commercial-insurance). The Hartford; Insurer self-description; optional commercial umbrella; about-10-minute quote claim; products not available in all states; coverages may be offered by one or more P&C subsidiaries listed in the Legal Notice. Accessed 2026-09-16. 44. [Business Insurance Coverage](https://www.thehartford.com/business-insurance/what-does-business-insurance-cover). The Hartford; Commercial umbrella, EPL, data breach and other coverage descriptions; last updated July 28, 2025; products-not-available-in-all-states footnote. Accessed 2026-09-16. 45. [Inland Marine Insurance Solutions](https://www.thehartford.com/inland-marine-insurance). The Hartford; Midsize and large inland-marine programs including technology equipment; Quick Quote submissions; premium-start statement for larger businesses. Accessed 2026-09-16. 46. [Employee Benefits Insurance](https://www.thehartford.com/employee-benefits). The Hartford; Employer income-protection and related benefits; footer naming Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company as underwriting companies. Accessed 2026-09-16. 47. [Producer Compensation Property & Casualty](https://www.thehartford.com/producer-compensation). The Hartford; Distribution through agents and brokers; base, contingent and supplemental commissions; employee sales compensation; surplus-lines brokers; producer-charged customer fees that are not Hartford premium. Accessed 2026-09-16. 48. [Insurance Claim Center](https://www.thehartford.com/claims). The Hartford; Phone and online reporting; online claim status; mobile app for claims, policy details and billing. Accessed 2026-09-16. 49. [General Liability Claims | File A Claim](https://www.thehartford.com/general-liability-insurance/claims). The Hartford; 24/7 phone 800-327-3636; online general-liability claim form; policy-type selector including cyber, employee benefits, property and workers’ compensation. Accessed 2026-09-16. 50. [Hartford Fire Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2664&event=companyProfile). California Department of Insurance; NAIC 19682; California Company ID 0085-1; authorized 01/07/1870; license status UNLIMITED-NORMAL; property and casualty; domicile Connecticut; authorized lines including liability, fire, workers’ compensation, automobile, surety and marine. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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-the-hartford.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)