Corgi vs 
Heffernan Insurance Brokers: How Do They Compare for Cargo and Transit Insurance?
Heffernan Insurance Brokers runs a marine cargo program for freight forwarders and customs brokers with in-house underwriting authority; Corgi offers per-load cargo for trucking operators, bound one haul at a time.
Corgi fits trucking operators who need a certificate for a single haul; Heffernan fits freight forwarders and customs brokers seeking a cargo claims team and shipment portal. 1,2,3,4
What Are the Key Differences Between Corgi and Heffernan Insurance Brokers Cargo and Transit Insurance?
Per-Load Trucking Cover Versus a Forwarder Cargo Program
Corgi’s cargo product is per-load contractual liability coverage for trucking operators, offered on trucking.corgi.insure rather than its startup site. Heffernan runs a specialty marine cargo program for freight forwarders and logistics companies that it says carries in-house underwriting authority and a dedicated claims division with authority to adjust, settle and issue payments. Heffernan’s reviewed pages do not disclose the legal arrangement with its carrier partners. 1 2 3
Coverage Lists
Heffernan’s cargo program lists general merchandise logistics, household goods logistics, marine cargo legal liability, errors and omissions, surety bonds and special-projects coverage, and its transportation practice lists motor truck cargo plus brokerage liability and contingent cargo. Corgi says the per-load product can replace or supplement an annual cargo policy; the reviewed metadata does not list those Heffernan coverage options. Heffernan markets the cargo program to freight forwarders, customs brokers, import/export operators and movers, and its transportation practice to trucking, final-mile, couriers, fuel haulers and towing; Corgi describes the product for trucking operators. 3 4 1
How You Buy
Corgi advertises that a trucking operator can quote, bind and get a certificate of insurance in minutes. Heffernan's existing cargo policyholders manage shipments and claims through an online portal; new buyers request a quote or consultation, or call the cargo claims number. 1 3
What Should You Confirm in Corgi and Heffernan Insurance Brokers Cargo and Transit Insurance Quotes?
- Ask Corgi whether the per-load product is replacing or supplementing an annual cargo policy. 1
- Ask Heffernan whether the quote is the marine cargo program or motor truck cargo from the transportation practice. 3 4
- Ask Heffernan who has authority to adjust, settle and issue payment on a cargo claim. 3
- Get the issuing insurer from both quotes. 1 3
Corgi vs Heffernan Insurance Brokers Cargo and Transit Compared
Corgi vs Heffernan Insurance Brokers: Cargo and Transit Insurance: documented features by provider
| Criteria | Corgi Trucking Per-Load Cargo Insurance | Heffernan Marine Cargo and Transportation Insurance Programs |
|---|---|---|
| How to Apply | Corgi advertises that a trucking operator can quote, bind and get a certificate of insurance (COI) for per-load cargo coverage in minutes. 1Company-reported. Marketing claim from page metadata; quote speed is not independently verified and is not the same as coverage being bound for a specific load. | Existing cargo policyholders manage shipments and claims through an online portal login; new buyers reach the program through a Request a Quote or Request a Consultation contact route, or by calling the number listed for the cargo claims team. 3Company-reported. Marine Cargo page's portal sign-in and consultation-request sections. |
| Coverage Features | Corgi says the per-load cargo product can replace or supplement a trucking operator's existing annual cargo policy, implying it is meant for single-haul or overflow coverage rather than as a standalone annual policy. 1Company-reported. Page metadata for trucking.corgi.insure/insurance/per-load-cargo; specific covered perils, commodity exclusions and per-load limits were not accessible in the reviewed page content. | Heffernan's cargo program lists general merchandise logistics, household goods logistics, marine cargo legal liability, errors and omissions, surety bonds and special-projects coverage. Its transportation practice separately lists motor truck cargo and brokerage liability and contingent cargo among its exclusive and sponsored products for trucking and logistics clients. 3,4Company-reported. Marine Cargo 'Coverage Options' list and Transportation 'exclusive and sponsored products' list; exclusions and policy wording are not published. |
| Role in This Line | Corgi's cargo insurance for trucking operators is a per-load product (contractual liability cargo coverage bound one haul at a time) offered on trucking.corgi.insure, a separate site from the startup-insurance product pages on corgi.insure. 1,2Company-reported. Page metadata and site structure as observed on 2026-09-23. The trucking site is a JavaScript-rendered application; the reviewed pages returned only page metadata, not the full body content. | Heffernan runs a specialty marine cargo program for freight forwarders and logistics companies that it says carries in-house underwriting authority and a dedicated claims division with authority to adjust, settle and issue payments directly. That is a broader, program-administrator-style role than ordinary brokerage, and is specific to this cargo program rather than Heffernan's general business insurance brokerage. 3Company-reported. Marine Cargo page's 'What Sets Our Programs Apart' section. Does not establish that Heffernan is a licensed carrier or MGA for this program; the exact legal arrangement with its carrier partners was not disclosed. |
