---
title: "Corgi vs Heffernan Insurance Brokers: Commercial Auto Insurance"
description: "Corgi targets truckers with MCS-90 and up to $1 million liability; Heffernan lists commercial auto among basic business coverages and offers broader claims and loss-control services."
canonical: "https://spot.insure/compare/corgi-vs-heffernan/commercial-auto"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "corgi-vs-heffernan"
provider-a: "corgi"
provider-b: "heffernan"
coverage-line: "commercial-auto"
---

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[Human-readable page](https://spot.insure/compare/corgi-vs-heffernan/commercial-auto)

## Agent Guide

**What this page is:** Focused comparison of Corgi and Heffernan Insurance Brokers for Commercial Auto Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Commercial Auto Insurance questions about Corgi versus Heffernan Insurance Brokers. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Corgi vs Heffernan Insurance Brokers for Commercial Auto Insurance: how do they differ?
- Which is better for Commercial Auto Insurance, Corgi or Heffernan Insurance Brokers?
- What does Corgi or Heffernan Insurance Brokers publish about Commercial Auto Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Commercial Auto Insurance. Providers: Corgi and Heffernan Insurance Brokers.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [Corgi vs Heffernan Insurance Brokers](https://spot.insure/compare/corgi-vs-heffernan) — all coverage lines for this pair
- [Commercial Auto Insurance guide](https://spot.insure/coverage/commercial-auto) — how this coverage works
- [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile

# Corgi vs Heffernan Insurance Brokers: How Do They Compare for Commercial Auto Insurance?

Heffernan Insurance Brokers lists commercial auto among basic coverages and asks you to contact its brokers; Corgi sells trucking operators auto liability up to $1 million with an MCS-90 endorsement (a federal filing for motor carriers).

Corgi publishes trucking-specific MCS-90 and limits; Heffernan lists auto in its broader business program without line-specific terms.

## Corgi vs Heffernan Insurance Brokers Commercial Auto Insurance Summary

Corgi targets truckers with MCS-90 and up to $1 million liability; Heffernan lists commercial auto among basic business coverages and offers broader claims and loss-control services. [1](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

## What Are the Key Differences Between Corgi and Heffernan Insurance Brokers Commercial Auto Insurance?

### Trucking Terms vs. General Business Program

Heffernan’s business coverage page does not specify commercial-auto forms, limits or exclusions, so ask for a line-specific quote before comparing. Corgi’s trucking product lists MCS-90, required state filings at bind and self-insured retentions. [1](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

### 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. [1](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

### 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. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [1](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance")

## What Should You Confirm in Corgi and Heffernan Insurance Brokers Commercial Auto Insurance Quotes?

- Ask both which carrier issues the policy; Corgi and Heffernan leave the insurer unnamed on the reviewed pages. [1](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")
- Confirm Corgi’s limit and SIR, and ask Heffernan for liability and physical-damage figures the catalogue page does not publish. [1](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")
- If you need MCS-90 or state filings, ask Heffernan whether a placed policy includes them the way Corgi describes at bind. [1](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")
- Ask Heffernan which claims and loss-control services attach to an auto placement, since Corgi’s reviewed pages do not list them. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [1](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance")

## Corgi vs Heffernan Insurance Brokers Commercial Auto Compared

| Criteria | Corgi Trucking Commercial Auto Liability | Heffernan Commercial Auto Insurance Brokerage |
| --- | --- | --- |
| 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. [1](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") (Evidence: Company-reported; scope: 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. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Company-reported; scope: Business Insurance page's basic-coverages list, a single-line mention..) |
| 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. [1](https://trucking.corgi.insure/insurance/auto-liability "Commercial Auto Liability | Corgi Trucking Insurance") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: 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. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Company-reported; scope: Business Insurance page's basic-coverages list..) |

## About Corgi and Heffernan Insurance Brokers and Commercial Auto

- [Corgi company profile](https://spot.insure/insurance-providers/corgi) · [Corgi customer reviews](https://spot.insure/insurance-providers/corgi/reviews)
- [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/reviews)
- [What Is Commercial Auto Insurance?](https://spot.insure/coverage/commercial-auto)

## Related Pages for Corgi vs Heffernan Insurance Brokers Commercial Auto

- [Corgi vs Heffernan Insurance Brokers](https://spot.insure/compare/corgi-vs-heffernan): all coverage lines, business roles, service and claims.
- [What Is Commercial Auto Insurance?](https://spot.insure/coverage/commercial-auto): Commercial auto covers liability from vehicles used for work, with vehicle damage and employee personal or rented cars requiring separate quote checks.
- [Corgi Commercial Auto Insurance](https://spot.insure/insurance-providers/corgi/commercial-auto)
- [Heffernan Insurance Brokers Commercial Auto Insurance](https://spot.insure/insurance-providers/heffernan/commercial-auto)

## Sources for Corgi vs Heffernan Insurance Brokers

### Sources About Corgi

1. [Commercial Auto Liability | Corgi Trucking Insurance](https://trucking.corgi.insure/insurance/auto-liability). 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.
2. [Corgi Insurance: Startup Insurance, Quoted in Minutes](https://www.corgi.insure). 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.

### Sources About Heffernan Insurance Brokers

3. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). 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.

Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/corgi-vs-heffernan/commercial-auto.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)