Corgi vs 
Heffernan Insurance Brokers Commercial Auto Insurance
Corgi sells trucking auto liability with MCS-90 and published $1M limits; Heffernan lists commercial auto as a brokered basic coverage.
What Is Corgi Insurance?
Corgi Insurance sells commercial coverage to technology startups through stage-based packages (pre-seed and seed, Series A, and growth stage) that combine general liability, directors and officers, technology E&O, cyber, and related lines, alongside a growing small-business product line for other industries. Coverage may be issued by Corgi’s own risk retention group, an affiliated admitted carrier, or a partner insurer, so the issuing entity and available protections depend on the specific product and state. 1,2,3,4,5
What Is Heffernan Insurance Brokers?
Heffernan Insurance Brokers is an independent, Walnut Creek–headquartered retail brokerage that arranges business insurance, employee benefits, and related services. Its technology practice markets to mid- and late-stage companies, including venture-funded and pre-IPO firms. 7,8,9
What Is Commercial Auto Insurance?
Commercial auto insurance addresses liability and vehicle-damage exposures from vehicles used in business. 10
Key Differences in Commercial Auto Insurance
Product Versus Broker Catalogue
Corgi hosts a named trucking commercial auto liability product apart from its startup insurance pages. Heffernan lists commercial auto as one of the basic business coverages it arranges, next to general liability, property, and workers’ compensation, and says it places those lines with carriers rather than underwriting them. Neither reviewed source names the insurer that would issue your auto policy. 6 2 9
What Is Spelled Out on the Line
Corgi’s page metadata describes MCS-90, required state filings at bind, and liability limits up to $1 million with SIR options. Heffernan’s business insurance page names the line without insuring agreements, limits, or exclusions. Heffernan’s reviewed page does not describe motor-carrier filings. 6 9
Services and How You Start
Heffernan says buyers of its business insurance, including commercial auto, can use claims services, loss control, HR consulting, and risk management. Corgi’s reviewed trucking pages do not describe those program services. Heffernan directs you to contact the firm; Corgi’s trucking product is presented on a dedicated auto-liability URL rather than a general contact prompt. 9 6
What to Confirm in Commercial Auto Insurance Quotes
- Ask both which carrier issues the policy; Corgi and Heffernan leave the insurer unnamed on the reviewed pages. 6 9
- Confirm Corgi’s limit and SIR, and ask Heffernan for liability and physical-damage figures the catalogue page does not publish. 6 9
- If you need MCS-90 or state filings, ask Heffernan whether a placed policy includes them the way Corgi describes at bind. 6 9
- Ask Heffernan which claims and loss-control services attach to an auto placement, since Corgi’s reviewed pages do not list them. 9 6
Offering Details
Corgi vs Heffernan Insurance Brokers Commercial Auto Insurance: documented features by provider
| Criteria | Corgi Trucking Commercial Auto Liability | Heffernan Commercial Auto Insurance Brokerage |
|---|---|---|
| Role in This Line | Corgi's commercial auto liability product for trucking operators is hosted on a separate site, trucking.corgi.insure, distinct from the startup-insurance product pages on corgi.insure that carry CGL, D&O, Cyber and the other startup modules. 6,2Company-reported. Site structure as observed on 2026-09-23. The trucking site is a JavaScript-rendered application; the reviewed pages returned only page metadata (title and description) without executing client-side rendering, so no further page content was reviewed. | Heffernan lists commercial auto insurance among the basic business-insurance coverages it arranges, alongside general liability, commercial property and workers' compensation. As a broker, it places this coverage with insurance carriers rather than underwriting it itself. 9Company-reported. Business Insurance page's basic-coverages list. |
| Issuing Insurer | The reviewed page content does not name the insurer or underwriting entity for commercial auto liability; the trucking site's disclosures were not reachable without executing its client-side application. 6Not publicly disclosed. trucking.corgi.insure/insurance/auto-liability 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. | No insurer is named for commercial auto on the reviewed page; the issuing carrier would appear on the quote and declarations. 9Not publicly disclosed. Checked the Business Insurance page on 2026-09-23. |
| Coverage Features | Corgi describes the product as commercial auto liability insurance for trucking operators that includes an MCS-90 endorsement (a federal financial-responsibility filing for motor carriers) and handles required state filings issued at bind. 6Company-reported. Page metadata for trucking.corgi.insure/insurance/auto-liability; the underlying policy form, named insured requirements and exclusions were not accessible in the reviewed page content. | The business insurance page lists commercial auto as one of the basic coverages Heffernan can provide, without describing specific insuring agreements, limits or exclusions for the line. 9Company-reported. Business Insurance page's basic-coverages list, a single-line mention. |
| Limits and Retentions | Corgi advertises commercial auto liability limits up to $1 million, with self-insured retention (SIR) options. 6Company-reported. Page metadata only; the specific limit tiers, minimum/maximum SIR amounts and how they vary by fleet were not accessible in the reviewed page content. | The business insurance page does not publish limits, deductibles or premium ranges for commercial auto coverage. 9Not publicly disclosed. Checked the Business Insurance page on 2026-09-23. |
| Risk Services | Not described in the reviewed sources. | Heffernan says clients arranging its business insurance coverages, including commercial auto, get access to its claims services, loss control, HR consulting, and risk management and assessment services. 9Company-reported. Business Insurance page's services paragraph, described at the whole business-insurance-program level rather than specific to commercial auto. |
| How to Apply | Not described in the reviewed sources. | The page's call to action directs buyers to contact Heffernan Insurance Brokers directly to find out what it can do for their business, including commercial auto. No separate online quoting flow specific to commercial auto is described. 9Company-reported. Business Insurance page contact call to action. |
Full Comparison
More Corgi vs Heffernan Insurance Brokers Comparisons
Other Commercial Auto Insurance Comparisons
Sources
Corgi
- Disclaimers & Licensing. Corgi Insurance Services, Inc.; Carrier Financial Strength (including “federally chartered” and “federal prudential oversight” wording); About Corgi; Licensing; Premium and Payment Disclosures (producer commissions, fees, or other consideration, amounts available on request); Binding Authority and Policy Issuance; page last updated 04/05/26. Accessed 2026-09-15.
- Corgi Insurance: Startup Insurance, Quoted in Minutes. Corgi Insurance; Site-wide navigation link to trucking.corgi.insure, the separate trucking-insurance property that hosts the Auto Liability and Per-Load Cargo product pages. Accessed 2026-09-23.
- Corgi Insurance Launches Admitted Insurance Carrier. PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
- NAIC Listing of Companies. National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
- Insurance Topics: Risk Retention Groups. National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15.
- Commercial Auto Liability | Corgi Trucking Insurance. Corgi Trucking (trucking.corgi.insure); Page title and meta/OpenGraph description: 'Commercial auto liability insurance for trucking operators, with limits up to $1M, SIR options, MCS-90, and required state filings issued at bind.'. Accessed 2026-09-23.
Heffernan Insurance Brokers
- Our Story. Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
- Technology Company Insurance. Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why Heffernan broker history; Joseph Talmadge practice leader; FAQ. Accessed 2026-09-16.
- Heffernan Business Insurance Brokerage. Heffernan Insurance Brokers; Forward-Thinking Business Insurance for 21st Century Exposures: basic coverages including general liability, commercial property, commercial auto, workers' compensation and global/foreign exposures; claims services, loss control, HR consulting and risk management and assessment services; alternative risk arrangements. Accessed 2026-09-23.
Commercial Auto Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Commercial Automobile: Coverage, Classification and Limits. Accessed 2026-09-16.
