Corgi vs Heffernan Insurance Brokers Cargo and Transit Insurance

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. ^6,2Company-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. ¹⁰Company-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.

The reviewed page content does not name the insurer or underwriting entity for per-load cargo coverage; the trucking site's disclosures were not reachable without executing its client-side application. ⁶Not publicly disclosed. trucking.corgi.insure/insurance/per-load-cargo as fetched on 2026-09-23. Corgi's main-site disclaimers page names Corgi Insurance Company, Inc. and Technology Risk Retention Group, Inc. as underwriters for its startup product lines, but nothing in the reviewed sources ties that disclosure to the separately branded trucking product.

Heffernan says its cargo program has 'exclusive access to major insurance carriers' and that its transportation practice is 'appointed with top transportation carriers,' but neither page names a specific issuing insurer. ^10,11Not publicly disclosed. Checked the Marine Cargo and Transportation pages on 2026-09-23. The issuing insurer would appear on the quote and declarations.

Not described in the reviewed sources.

Heffernan markets its cargo program to freight forwarders, customs brokers, import/export operators and household-goods movers, and describes a global client base of logistics companies, forwarders and brokers. Its separate transportation practice serves trucking and logistics, final-mile delivery, couriers, fuel haulers, towing and moving and storage businesses. ^10,11Company-reported. Marine Cargo and Transportation page descriptions of target clients and subsectors.

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. ⁶Company-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. ^10,11Company-reported. Marine Cargo 'Coverage Options' list and Transportation 'exclusive and sponsored products' list; exclusions and policy wording are not published.

Not described in the reviewed sources.

Heffernan describes interactive online tools for remote declaration issuance and claim reporting, plus sales-tracking tools, for its cargo program. Its transportation practice separately lists fleet safety and training, a benchmarking system, medical triage and first aid, and a workers' compensation mod-reduction plan, along with a DOT compliance platform. ^10,11Company-reported. Marine Cargo 'Tools for Cargo Insurance' section and Transportation risk-management and safety-services lists.

Corgi advertises that a trucking operator can quote, bind and get a certificate of insurance (COI) for per-load cargo coverage in minutes. ⁶Company-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. ¹⁰Company-reported. Marine Cargo page's portal sign-in and consultation-request sections.