Corgi vs Heffernan Insurance Brokers: How Do They Compare for Business Owner’s Policy?

Corgi's BOP combines general liability and property for small and growing businesses with a 1 to 14 day turnaround; Heffernan Insurance Brokers arranges BOPs for small companies and says it will research custom packages for niche industries.

Neither is instant: Corgi quotes its GL-and-property BOP in 1–14 days, and Heffernan is a broker placing BOPs for businesses under 500 employees or $7 million in receipts. Heffernan is the better bet for construction, food, hospitality and other niches, since it will build a package for unlisted industries. ^1,²

What Are the Key Differences Between Corgi and Heffernan Insurance Brokers Business Owner’s Policy?

Who Qualifies and Who Helps You

Heffernan's small-business division serves everyone from home-based sole proprietors to growing companies, and lists construction, food, health care, hospitality, real estate, technology and transportation. As a broker rather than the insurer, it shops the policy for you. Corgi lists the BOP among its main policies for small and growing businesses but publishes no industry list or size test, so you won't know if you qualify until you apply. Choose Heffernan if you're in one of its listed industries or an unusual niche; choose Corgi if you want to start inside its own product catalogue. ¹ ²

Time to a Quote

Corgi groups its BOP with slower products marked 1–14 days, not instant quote, so don't count on same-day coverage for a lease signing. Heffernan says it will research a custom package for an industry it doesn't list, which also takes time. ² ¹

What the Package Contains

Corgi names general liability and commercial property. Heffernan describes a package of major property and liability risks without naming specific parts. ¹ ²

What Should You Confirm in Corgi and Heffernan Insurance Brokers Business Owner’s Policy Quotes?

Ask Heffernan which insurer issues the BOP. ²
Ask Corgi which insurer writes the BOP and whether business interruption is included. ¹
If your receipts are above $7 million, ask Heffernan how it would place the account. ²
Get limits and deductibles in writing; neither page publishes them. ¹ ²

Corgi vs Heffernan Insurance Brokers Business Owner’s Policy Compared

Corgi vs Heffernan Insurance Brokers: Business Owner’s Policy: documented features by provider

Criteria	Corgi Business Owners Policy (BOP)	Heffernan Business Owner's Policy (BOP)
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.	Heffernan describes a business owner's policy as a package that combines protection for a company's major property and liability risks in one bundle, assembling the basic coverages a business owner needs. ²Company-reported. Small Business Insurance page's coverage-type list. Specific insuring agreements and exclusions are not detailed there.
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.	Heffernan's small-business division arranges a business owner's policy (BOP) for small and growing companies as one of several coverages it places. Heffernan describes itself as the source businesses go to for insurance, not as the insurer. ²Company-reported. Small Business Insurance page description of the division and its BOP offering.