Corgi vs Heffernan: Commercial Crime Insurance

What Are the Key Differences Between Corgi and Heffernan Insurance Brokers Crime Insurance?

Corgi’s startup form covers first-party losses at companies that move customer money; Heffernan limits its reviewed crime cover to home-care, home-health and hospice businesses and pairs it with an employee-dishonesty bond. Choose Corgi if you run a fintech, payroll company or marketplace moving customer funds; choose Heffernan if you run a home-care or hospice provider and can start the application at least 30 days before serving clients. [3] [5]

Named Form Versus Package Line Items

Corgi describes a standalone policy (form CORG-CRM-0100) bundling employee dishonesty, social engineering, computer fraud, funds-transfer fraud and forgery, on a discovery basis. Heffernan lists Crime – Third Party Theft and a separate Employee Dishonesty Bond among home-care coverages, without publishing insuring agreements. The reviewed Heffernan sources do not describe crime outside home care. [3] [5]

Published Illustration Versus Unpublished Bond Amounts

Corgi illustrates $1 million limits, a $10,000 retention and a common $250,000 social-engineering sublimit, and names possible underwriters in its disclaimers. Heffernan’s home-care page does not publish crime or bond amounts and does not name an insurer. [3] [4] [5]

Timing

Corgi says it can issue a binder the same day online. Heffernan tells home-care businesses to begin at least 30 days before working with clients and to request a rate quote because rates vary by state. [3] [5]

What Should You Confirm in Corgi and Heffernan Insurance Brokers Crime Insurance Quotes?

If you are not a home-care operator, Heffernan’s reviewed pages do not describe crime for your industry; Corgi’s page is still aimed at funds-moving startups. [5] [3]
Get Heffernan’s insurer and any employee-dishonesty bond amount. [5]
Confirm Corgi’s discovery trigger, social-engineering sublimit and issuing entity. [3] [4]
Compare third-party theft on Heffernan’s package with Corgi’s first-party money-stolen description. [5] [3]

Corgi targets fintechs, payroll firms and marketplaces moving customer funds, with an illustrative $1 million policy; Heffernan’s crime coverage is part of home-care, home-health and hospice packages.

Sources consulted

01
Commercial Insurance Guide
California Department of Insurance · Crime · accessed 2026-09-16
02
Social Engineering Fraud Insurance
Chubb · Opening; coverage highlights · accessed 2026-09-16
03
Crime & Fidelity Insurance for Startups
Corgi Insurance · What's Actually Inside Your Crime & Fidelity Policy (form CORG-CRM-0100); Anatomy of a $1M/$1M/$10K policy; Scenario notes; Industry Applicability & Compliance; FAQ · accessed 2026-09-23
04
Disclaimers
Corgi Insurance · Carrier Financial Strength: 'Coverage may be underwritten through affiliated or partner carriers, including Corgi Insurance Company, Inc. ... Certain coverages may also be underwritten by Technology Risk Retention Group, Inc.' · accessed 2026-09-23
05
Home Care Business Insurance
Heffernan Insurance Brokers · Insurance for Home Care Businesses, Home Health, and Hospices: covering all states and agency sizes; 'We offer comprehensive coverage for' list including Crime – Third Party Theft and Employee Dishonesty Bond; Home Care Insurance Cost for Start-ups; practice-leader contacts · accessed 2026-09-23
06
Crime Terms and Conditions
The Travelers Companies, Inc. · I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15 · accessed 2026-09-16
07
Crime Non-Financial Applications and Forms
Travelers · Opening paragraph; Sample Policy Forms · accessed 2026-09-16
08
Commercial Crime Coverage Application
Travelers Casualty and Surety Company of America · I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3 · accessed 2026-09-16

Crime coverage

Corgi

role: Corgi sells Crime & Fidelity as a standalone startup policy, describing it as first-party coverage that pays the company back when money (not data) is stolen through employee theft, social engineering, computer fraud, forgery or funds-transfer fraud. Product page for form CORG-CRM-0100, last reviewed by Corgi on April 24, 2026 per the page itself.company-reportedSource ↗
coverage: The standard policy bundles four insuring agreements: employee dishonesty, social engineering fraud (business email compromise), computer fraud, and funds transfer fraud, plus forgery and alteration of checks or drafts. Coverage summary for form CORG-CRM-0100; the illustrated scenarios are examples, not a guarantee of coverage for a specific claim, and the issued policy controls.company-reportedSource ↗
coverage: Social engineering fraud (business email compromise) is commonly sublimited to $250,000 against the $1 million policy aggregate, and Corgi conditions the sublimit on documented out-of-band verification controls for changes to vendor wire instructions. Product-page scenario notes and FAQ; the exact sublimit and required controls are underwriting-dependent and confirmed on the declarations page.company-reportedSource ↗
coverage: Corgi's Crime & Fidelity policy is written on a discovery basis, meaning coverage attaches when a loss is discovered during the policy period regardless of when the underlying dishonest act occurred, and it offers an optional discovery period of up to one year after termination to report a loss. Product-page glossary and FAQ description of form CORG-CRM-0100.company-reportedSource ↗
limits: Corgi's illustrative Crime & Fidelity structure shows a $1,000,000 per-occurrence and aggregate limit across its insuring agreements, with a $10,000 self-insured retention per occurrence. Illustrative policy structure on the product page ('Anatomy of a $1M / $1M / $10K Crime & Fidelity Policy'); actual limits and retentions appear on the declarations and Corgi says standard limits scale with payment volume for growth-stage and at-scale companies.company-reportedSource ↗
insurer: Corgi's disclaimers say coverage may be underwritten through affiliated or partner carriers, including Corgi Insurance Company, Inc. (an admitted carrier) or Technology Risk Retention Group, Inc.; the crime product page itself does not name which entity underwrites a given Crime & Fidelity policy. General carrier-financial-strength disclosure that applies across Corgi's product lines, not a crime-specific underwriter statement; your policy names the actual insurer.company-reportedSource ↗
application: Corgi says it can issue Crime & Fidelity coverage and a binder the same day, and offers instant quotes in under 10 minutes through its online application. FAQ marketing claims on the product page; quote and bind speed are not independently verified.company-reportedSource ↗
eligibility: Corgi positions Crime & Fidelity primarily for fintechs, payroll companies and marketplaces that move customer funds, noting it is frequently required by sponsor banks and Banking-as-a-Service (BaaS) partners before a fintech can go live. Industry-applicability section of the product page; other startups can also buy the policy, and eligibility for any given business depends on underwriting.company-reportedSource ↗

Heffernan Insurance Brokers

role: Heffernan arranges crime coverage, listed on its site as 'Crime – Third Party Theft,' as part of the insurance packages it builds for home care, home health and hospice businesses. This record only documents crime coverage in that home-care context; the reviewed sources do not describe a general commercial crime offering outside home care. Home Care Business Insurance page's coverage list.company-reportedSource ↗
eligibility: Heffernan markets this crime coverage to home health care and in-home health care providers, hospices, staffing agencies and registries, infusion therapy providers and personal care assistants, and says its home care programs cover all states and agency sizes. Home Care Business Insurance page's client-type and coverage-area descriptions; 'all states' is a company statement, not independently verified state-by-state licensing.company-reportedSource ↗
coverage: Heffernan lists 'Crime – Third Party Theft' and a separate 'Employee Dishonesty Bond' among the coverages in its home care package, alongside workers' compensation, general and professional liability, and cyber and identity theft coverage. Home Care Business Insurance page's coverage list; specific insuring agreements, exclusions and endorsements for the crime coverage are not published there.company-reportedSource ↗
services: Heffernan says its home care insurance specialists can walk clients through coverage and premium options, and it names a dedicated Home Care Practice Leader and regional practice leaders as points of contact. Home Care Business Insurance page's workers'-compensation guidance and practice-leader contact sections.company-reportedSource ↗
application: Heffernan tells home care businesses to begin the insurance application process at least 30 days before working with clients and to contact Heffernan for a free rate quote, since rates vary by state. Home Care Business Insurance page's cost-and-timing section.company-reportedSource ↗
limits: The home care page does not publish specific limits or bond amounts for the crime or employee dishonesty coverage; it discusses only general cost ranges for the overall home care insurance package. Checked the Home Care Business Insurance page on 2026-09-23.not-disclosedSource ↗
insurer: The home care page does not name the insurer that would issue the crime or employee dishonesty coverage. Checked the Home Care Business Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations.not-disclosedSource ↗