Corgi vs Harper: How Do They Compare for Business Insurance?

Technology startups can compare Corgi packages for pre-seed/seed, Series A and growth stages, or ask about a custom option. ^2,3,6,15Company-reported. Company website positioning and package names; named customer stories on the customers page are testimonials, not a verified book of business.

Small businesses in offices, retail, restaurants, personal services, self-storage, wholesale, community associations or rental properties may have a new Corgi option; its August 2026 filing announcement says state and product availability differ. ⁹Company-reported. Company-announced admitted-carrier appetite. Filing a product is not the same as confirmed availability in a given state.

Businesses in hard-to-place industries can ask Harper for broker help; its listed specialties include contracting, restaurants, auto, care, manufacturing and transportation. ^31,36Company-reported. Examples of advertised appetite, not a verified customer census or eligibility guarantee.

Startup packages can combine general liability, D&O, Tech E&O, cyber, media, employment practices, fiduciary and hired/non-owned auto; Corgi also offers a Tech & AI Liability module. ^2,8,10Company-reported. Website product labels and package descriptions. Labels are not equivalent coverage, and website summaries are not policy wording.

If you need D&O, Corgi’s example shows claims-made protection for directors, officers and the company under form CORG-DO-0100, issued by Technology Risk Retention Group. The example puts defense costs inside the limit and has a $25,000 per-claim retention; your policy controls. ⁵Company-reported. Public product-page summary last reviewed 24 April 2026 on the page itself; illustrative limits and retentions may differ from a buyer’s policy.

A package that includes property needs another insurer if its liability policy uses a risk retention group, because such groups can write business liability but not property coverage. ^19,21Verified. Statutory limit on what an RRG may write. It does not by itself prove which Corgi product sits on which paper.

If you need life or health insurance, look elsewhere for now: Harper’s privacy policy says it does not currently offer either, and its Georgia life qualification does not establish a life product. ^26,27Company-reported. Privacy section 2, information not intentionally collected; Georgia agency qualification independently checked. Distinguishes licensing authority from the company’s current product offering.

Businesses can ask Harper about general and professional liability, property, auto, cyber, garage, umbrella, bonds, workers’ compensation, equipment, liquor, malpractice, product liability and BOP; the BOP may combine property and liability. ^24,30Company-reported. Advertised product categories across the current homepage, directory and intake. No conclusion that all lines are available together, from one insurer, or in every jurisdiction.

Security firms can ask about liability for guard actions or professional negligence plus equipment and vehicles; Harper’s page does not name the insurer or policy wording for a specific operation. ³⁴Company-reported. Company industry appetite. No adoption of the page’s broad claims about standard-policy exclusions or satisfaction of licensing requirements.

Businesses needing license, permit, contract, dealer, court or fiduciary bonds can approach Harper; review the indemnity agreement because the buyer may have to repay the bond company for claims it pays. ³⁵Company-reported. Company product description. No blanket interpretation of a specific bond or personal guarantee.

Ask for the insurer-specific forms and endorsements before comparing prices; reviewed product pages are summaries and do not establish shared limits, deductibles or exclusions. ^30,32,34Not found in reviewed sources. Scoped search of current coverage directory and representative product/industry pages. No issued policy or private quote reviewed. Absence of a specimen in these sources is not absence of available coverage.

You can apply online or book a specialist call, and Corgi says eligible applicants may quote in minutes and buy the same day; confirm in writing whether coverage starts at policy issuance/payment or under a binder and the effective date. ^2,1Company-reported. Company website process claims and Binding Authority and Policy Issuance disclosure, rechecked on 15 September 2026. The disclosure's first paragraph requires policy issuance and payment, while its next paragraph describes temporary binder coverage; this record does not resolve which conditions apply to a particular placement. Quote speed is not independently verified and is not the same as coverage being in force. A self-serve path is not evidence of zero producer commissions or fees.

You can request a quote by providing business, revenue, state, operations and coverage details; the form starts an inquiry and does not show a premium or issued policy. ²⁴Company-reported. Browser inspection of the blank homepage footer form. No data entered or submitted, so later application, quote, payment and binding screens were not tested.

Harper says its internal Hub software helps staff complete forms, identify markets and manage client communication; the launch announcement describes greater automation as a future direction. ²⁹Company-reported. Founder-authored description hosted by the accelerator; not independent verification of automation quality or a buyer-facing software subscription.

Harper says AI extracts document details, drafts messages and organizes follow-up, while licensed staff and carriers review eligibility and binding decisions; automated marketing does not mean a machine approves coverage alone. ²⁶Company-reported. Privacy sections 3 and 8; stated controls only. No audit of model accuracy, staff review or underwriting delegation.

Before uploading sensitive records, understand how Harper uses them: its privacy policy says applications and loss data help train Harper’s models, while enterprise AI vendors say they do not train foundation models on customer data. ²⁶Company-reported. Sections 2, 7 and 8. Company-reported data handling, not an independent privacy or security certification.

Do not rely on a text message to start or change coverage: Harper’s terms require written confirmation from Harper and the insurer, and text quotes remain subject to underwriting. ²⁵Company-reported. Section 11, effective August 24, 2026. Does not establish a particular insurer’s required payment or signing sequence.

Harper advertises a 24–48-hour placement time, but it is a company estimate rather than a deadline; ask what approvals and documents remain before relying on a start date. ³⁶Company-reported. February 26, 2026 marketing claim, not independently measured. Current homepage refers to same-week answers, a different milestone; neither is a binding service-level guarantee.

You can add or upgrade policies through Corgi’s dashboard as funding, hiring or contract needs change; renewal and cancellation remain subject to your policy and state rules. ^2,1Company-reported. Company description of post-bind servicing and cancellation. Actual endorsement terms remain in the policy. This does not establish a specific renewal guarantee or a finding that renewals are unavailable.

Harper says it can classify payroll by employees’ duties and prepare premium-audit information for workers’ compensation; audits can change the premium, and this is not a guarantee that cost stays fixed. ^33,41Company-reported. Public payroll and audit service description; not independently tested, and state employee thresholds are deliberately not generalized.

If another agent refers you, confirm who will be your ongoing contact: Harper says it owns the account and handles placement, service, renewals and claims, while the referring agent has no service duties. ^38,37Company-reported. Distinct advertised programs; not assumed contradictory or contractually identical. Account ownership is the program’s language, not a finding that a buyer cannot change brokers.

Harper’s portal advertises policy, certificate, payment and application-status access; customers need an invitation and should ask support about features available after sign-in. ³⁹Company-reported. Public entry page viewed and captured without authenticating, requesting an invitation or supplying contact information.

Harper describes policy reviews and renewal reminders, but not a guaranteed renewal price or a commitment to shop every policy; agree on the renewal plan with your team. ^40,25Company-reported. Company service statements; no customer service agreement or renewal proposal inspected.

Ask for the commission or customer fee on your policy because Corgi Insurance Services may receive either from you or the insurer. ¹Company-reported. Producer compensation disclosure. Website, self-serve, or other direct distribution is not a finding of zero commissions or fees. Specific amounts were not published in the reviewed sources.

Corgi gives annual price examples of $2,000–$5,000 for eligible pre-seed/seed startups and $5,000–$15,000 for Series A; your quote depends on risk, state, coverage and limits. ^2,6,7Company-reported. Company-reported ranges and a marketing savings claim, not comparable quotes. They are not premiums for a defined risk, limit, retention, or policy period. “Underwrites directly” is not a finding of zero producer commissions or fees, and no public methodology for the 30 percent figure was found.

A licensed referral agent may receive 50% of Harper’s commission 60 days after settlement, according to Harper Partners; this is a share of commission, not a discount on your premium. ³⁸Company-reported. Current licensed-agent referral program only. Illustrative dollar amounts not treated as fee quotes; cancellation/nonpayment clawbacks apply. No implication that Spot participates.

Get premium, taxes, fees and financing charges itemized because reviewed Harper pages do not disclose buyer fees or account-specific commission rates; a free partner signup does not mean insurance is fee-free. ^38,40,32,25Not publicly disclosed. Reviewed referral terms, pricing-transparency article, GL cost FAQ and messaging terms. No hidden fees is marketing, not a zero-fee promise; SMS cost statement applies only to messages.