Corgi vs 
Heffernan Insurance Brokers: How Do They Compare for Crime Insurance?
Same-day proof of coverage is what Corgi says it can issue on its standalone startup crime policy; Heffernan Insurance Brokers arranges third-party-theft crime inside packages for home care and hospice businesses and offers a free rate quote.
Corgi targets fintechs, payroll firms and marketplaces moving customer funds, with an illustrative $1 million policy; Heffernan’s crime coverage is part of home-care, home-health and hospice packages. 1,3
What Are the Key Differences Between Corgi and Heffernan Insurance Brokers Crime Insurance?
Corgi’s startup form covers first-party losses at companies that move customer money; Heffernan limits its reviewed crime cover to home-care, home-health and hospice businesses and pairs it with an employee-dishonesty bond. Choose Corgi if you run a fintech, payroll company or marketplace moving customer funds; choose Heffernan if you run a home-care or hospice provider and can start the application at least 30 days before serving clients. 1 3
Named Form Versus Package Line Items
Corgi describes a standalone policy (form CORG-CRM-0100) bundling employee dishonesty, social engineering, computer fraud, funds-transfer fraud and forgery, on a discovery basis. Heffernan lists Crime – Third Party Theft and a separate Employee Dishonesty Bond among home-care coverages, without publishing insuring agreements. The reviewed Heffernan sources do not describe crime outside home care. 1 3
Published Illustration Versus Unpublished Bond Amounts
Corgi illustrates $1 million limits, a $10,000 retention and a common $250,000 social-engineering sublimit, and names possible underwriters in its disclaimers. Heffernan’s home-care page does not publish crime or bond amounts and does not name an insurer. 1 2 3
Timing
Corgi says it can issue a binder the same day online. Heffernan tells home-care businesses to begin at least 30 days before working with clients and to request a rate quote because rates vary by state. 1 3
What Should You Confirm in Corgi and Heffernan Insurance Brokers Crime Insurance Quotes?
- If you are not a home-care operator, Heffernan’s reviewed pages do not describe crime for your industry; Corgi’s page is still aimed at funds-moving startups. 3 1
- Get Heffernan’s insurer and any employee-dishonesty bond amount. 3
- Confirm Corgi’s discovery trigger, social-engineering sublimit and issuing entity. 1 2
- Compare third-party theft on Heffernan’s package with Corgi’s first-party money-stolen description. 3 1
Corgi vs Heffernan Insurance Brokers Crime Insurance Compared
Corgi vs Heffernan Insurance Brokers: Crime Insurance: documented features by provider
| Criteria | Corgi Crime & Fidelity | Heffernan Home Care Crime Insurance |
|---|---|---|
| Who It’s For | Corgi positions Crime & Fidelity primarily for fintechs, payroll companies and marketplaces that move customer funds, noting it is frequently required by sponsor banks and Banking-as-a-Service (BaaS) partners before a fintech can go live. 1Company-reported. Industry-applicability section of the product page; other startups can also buy the policy, and eligibility for any given business depends on underwriting. | Heffernan markets this crime coverage to home health care and in-home health care providers, hospices, staffing agencies and registries, infusion therapy providers and personal care assistants, and says its home care programs cover all states and agency sizes. 3Company-reported. Home Care Business Insurance page's client-type and coverage-area descriptions; 'all states' is a company statement, not independently verified state-by-state licensing. |
| How to Apply | Corgi says it can issue Crime & Fidelity coverage and a binder the same day, and offers instant quotes in under 10 minutes through its online application. 1Company-reported. FAQ marketing claims on the product page; quote and bind speed are not independently verified. | Heffernan tells home care businesses to begin the insurance application process at least 30 days before working with clients and to contact Heffernan for a free rate quote, since rates vary by state. 3Company-reported. Home Care Business Insurance page's cost-and-timing section. |
| Coverage Features | The standard policy bundles four insuring agreements: employee dishonesty, social engineering fraud (business email compromise), computer fraud, and funds transfer fraud, plus forgery and alteration of checks or drafts. 1Company-reported. Coverage summary for form CORG-CRM-0100; the illustrated scenarios are examples, not a guarantee of coverage for a specific claim, and the issued policy controls. Social engineering fraud (business email compromise) is commonly sublimited to $250,000 against the $1 million policy aggregate, and Corgi conditions the sublimit on out-of-band verification controls for changes to vendor wire instructions. 1Company-reported. Product-page scenario notes and FAQ; the exact sublimit and required controls are underwriting-dependent and confirmed on the declarations page. Corgi's Crime & Fidelity policy is written on a discovery basis, meaning coverage attaches when a loss is discovered during the policy period regardless of when the underlying dishonest act occurred, and it offers an optional discovery period of up to one year after termination to report a loss. 1Company-reported. Product-page glossary and FAQ description of form CORG-CRM-0100. | Heffernan lists 'Crime – Third Party Theft' and a separate 'Employee Dishonesty Bond' among the coverages in its home care package, alongside workers' compensation, general and professional liability, and cyber and identity theft coverage. 3Company-reported. Home Care Business Insurance page's coverage list; specific insuring agreements, exclusions and endorsements for the crime coverage are not published there. |
| Role in This Line | Corgi sells Crime & Fidelity as a standalone startup policy, describing it as first-party coverage that pays the company back when money (not data) is stolen through employee theft, social engineering, computer fraud, forgery or funds-transfer fraud. 1Company-reported. Product page for form CORG-CRM-0100, last reviewed by Corgi on April 24, 2026 per the page itself. | Heffernan arranges crime coverage, listed on its site as 'Crime – Third Party Theft,' as part of the insurance packages it builds for home care, home health and hospice businesses. This record only documents crime coverage in that home-care context; the reviewed sources do not describe a general commercial crime offering outside home care. 3Company-reported. Home Care Business Insurance page's coverage list. |
