Corgi vs Travelers Workers’ Compensation Insurance

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. ^2,6Company-reported. 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.

Travelers underwrites workers compensation insurance directly as a standalone line, separate from a business owner's policy, and says it also provides risk control and claim services alongside the policy rather than selling coverage alone. ¹⁰Company-reported. Workers-compensation product page, as read on 2026-09-23.

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. ¹Not publicly disclosed. 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.

A video transcript on the workers-compensation page is copyrighted to The Travelers Indemnity Company, which is consistent with that entity issuing workers compensation policies, though the page does not state that every workers-comp policy is issued by that entity rather than an affiliate. ¹⁰Company-reported. Video transcript credit on the workers-compensation page; not a policy-level disclosure of the issuing entity for a specific quote.

The catalog description targets employers generally rather than a specific industry, and does not mention any employee-count, payroll, or state threshold for eligibility. ^2,6Not publicly disclosed. Catalog description as of 2026-09-23; workers' compensation is state-mandated and rules vary by jurisdiction, which the reviewed pages do not address.

Travelers says nearly every state requires most businesses to carry workers compensation insurance, but that in monopolistic states employers must buy coverage from a state-run fund, or may self-insure using a third-party administrator, so Travelers workers compensation is not purchasable there through Travelers itself. ¹⁰Company-reported. Workers-compensation FAQ answer, 'Who needs workers compensation insurance?'; the page does not list which states are monopolistic.

Travelers markets workers compensation to both large, multi-state employers and small businesses, and says it maintains state-specific requirement information because coverage terms and required forms vary by jurisdiction. ¹⁰Company-reported. Large-business and small-business sections and the 'Workers compensation laws vary by state' section.

Corgi describes the product as providing benefits to employees for work-related injuries or illnesses, including medical expenses, lost wages, and rehabilitation costs. ^2,6Company-reported. One-sentence catalog description; no policy form, statutory-limits detail, monopolistic-state handling, or employer's-liability sublimit is published for this line.

Travelers says the policy covers employees' medical expenses and lost wages for job-related injuries and diseases, includes employers liability coverage for related lawsuits not covered by workers-comp law, and that employers in monopolistic states may add employers liability separately as stop-gap coverage. ¹⁰Company-reported. Product overview and 'What does workers comp cover?' FAQ; full inclusions and exclusions depend on the policy as issued and the applicable state.

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. ^2,6Not publicly disclosed. 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.

Not described in the reviewed sources.

The reviewed pages do not describe safety programs, return-to-work services, or claims-handling details specific to Worker's Compensation. ^2,6Not found in reviewed sources. Homepage and startup-insurance page as read on 2026-09-23.

Travelers reports internal outcome and cost-containment statistics for its workers-comp claim and risk-control programs, including 70% of injured employees returning to work within 30 days, a 40% decline in opioid use it attributes to its Early Severity Predictor tool, and access to a network of 2.3 million medical providers. ¹⁰Company-reported. Workers-compensation page statistics, sourced to Travelers internal data; these are company-reported outcomes, not independently verified.

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. ^2,6Company-reported. Homepage and startup-insurance page policy-card labeling.

Travelers directs buyers to contact a local Travelers agent to find a workers compensation policy, and separately notes pricing depends on business location, type of work, total payroll and claims history rather than a fixed rate. ¹⁰Company-reported. Workers-compensation FAQ answers 'How can I buy workers compensation insurance?' and 'What determines the cost of a workers compensation policy?'