Corgi vs Heffernan Insurance Brokers Crime Insurance

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. ⁶Company-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. ¹⁰Company-reported. Home Care Business Insurance page's coverage list.

Corgi's disclaimers say coverage may be underwritten through affiliated or partner carriers, including Corgi Insurance Company, Inc. (an admitted carrier) or Technology Risk Retention Group, Inc.; the crime product page itself does not name which entity underwrites a given Crime & Fidelity policy. ¹Company-reported. General carrier-financial-strength disclosure that applies across Corgi's product lines, not a crime-specific underwriter statement; your policy names the actual insurer.

The home care page does not name the insurer that would issue the crime or employee dishonesty coverage. ¹⁰Not publicly disclosed. Checked the Home Care Business Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations.

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. ⁶Company-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. ¹⁰Company-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.

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. ⁶Company-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 documented out-of-band verification controls for changes to vendor wire instructions. ⁶Company-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. ⁶Company-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. ¹⁰Company-reported. Home Care Business Insurance page's coverage list; specific insuring agreements, exclusions and endorsements for the crime coverage are not published there.

Corgi's illustrative Crime & Fidelity structure shows a $1,000,000 per-occurrence and aggregate limit across its insuring agreements, with a $10,000 self-insured retention per occurrence. ⁶Company-reported. Illustrative policy structure on the product page ('Anatomy of a $1M / $1M / $10K Crime & Fidelity Policy'); actual limits and retentions appear on the declarations and Corgi says standard limits scale with payment volume for growth-stage and at-scale companies.

The home care page does not publish specific limits or bond amounts for the crime or employee dishonesty coverage; it discusses only general cost ranges for the overall home care insurance package. ¹⁰Not publicly disclosed. Checked the Home Care Business Insurance page on 2026-09-23.

Not described in the reviewed sources.

Heffernan says its home care insurance specialists can walk clients through coverage and premium options, and it names a dedicated Home Care Practice Leader and regional practice leaders as points of contact. ¹⁰Company-reported. Home Care Business Insurance page's workers'-compensation guidance and practice-leader contact sections.

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. ⁶Company-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. ¹⁰Company-reported. Home Care Business Insurance page's cost-and-timing section.