---
title: "Corgi vs Heffernan Insurance Brokers: Crime Insurance"
description: "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."
canonical: "https://spot.insure/compare/corgi-vs-heffernan/crime"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "corgi-vs-heffernan"
provider-a: "corgi"
provider-b: "heffernan"
coverage-line: "crime"
---

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

## Agent Guide

**What this page is:** Focused comparison of Corgi and Heffernan Insurance Brokers for Crime 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 Crime 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 Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Corgi or Heffernan Insurance Brokers?
- What does Corgi or Heffernan Insurance Brokers publish about Crime Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Crime 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
- [Crime Insurance guide](https://spot.insure/coverage/crime) — 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 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 startups moving customer funds; Heffernan lists crime and employee-dishonesty cover within home-care packages.

## Corgi vs Heffernan Insurance Brokers Crime Insurance Summary

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](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

## 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](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")


### 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](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

### 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](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [2](https://www.corgi.insure/disclaimers "Disclaimers") [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

### 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](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

## 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](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups")
- Get Heffernan’s insurer and any employee-dishonesty bond amount. [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")
- Confirm Corgi’s discovery trigger, social-engineering sublimit and issuing entity. [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [2](https://www.corgi.insure/disclaimers "Disclaimers")
- Compare third-party theft on Heffernan’s package with Corgi’s first-party money-stolen description. [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups")

## Corgi vs Heffernan Insurance Brokers Crime Insurance Compared

| 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. [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") (Evidence: Company-reported; scope: 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. [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") (Evidence: Company-reported; scope: 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. [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") (Evidence: Company-reported; scope: 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..)<br><br>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. [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") (Evidence: Company-reported; scope: Product-page scenario notes and FAQ; the exact sublimit and required controls are underwriting-dependent and confirmed on the declarations page..)<br><br>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. [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") (Evidence: Company-reported; scope: 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. [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") (Evidence: Company-reported; scope: 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. [3](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") (Evidence: Company-reported; scope: Home Care Business Insurance page's coverage list..) |

## About Corgi and Heffernan Insurance Brokers and Crime Insurance

- [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 Crime Insurance?](https://spot.insure/coverage/crime)

## Related Pages for Corgi vs Heffernan Insurance Brokers Crime Insurance

- [Corgi vs Heffernan Insurance Brokers](https://spot.insure/compare/corgi-vs-heffernan): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms.
- [Corgi Crime Insurance](https://spot.insure/insurance-providers/corgi/crime)
- [Heffernan Insurance Brokers Crime Insurance](https://spot.insure/insurance-providers/heffernan/crime)

## Sources for Corgi vs Heffernan Insurance Brokers Crime Insurance

### Sources About Corgi

1. [Crime & Fidelity Insurance for Startups](https://www.corgi.insure/crime). Corgi Insurance; What's Actually Inside Your Crime & Fidelity Policy (form CORG-CRM-0100); Anatomy of a $1M/$1M/$10K policy; Scenario notes; Industry Applicability & Compliance; FAQ. Accessed 2026-09-23.
2. [Disclaimers](https://www.corgi.insure/disclaimers). Corgi Insurance; Carrier Financial Strength: 'Coverage may be underwritten through affiliated or partner carriers, including Corgi Insurance Company, Inc. ... Certain coverages may also be underwritten by Technology Risk Retention Group, Inc.'. Accessed 2026-09-23.

### Sources About Heffernan Insurance Brokers

3. [Home Care Business Insurance](https://www.heffins.com/business-insurance/health-care/homecare/). Heffernan Insurance Brokers; Insurance for Home Care Businesses, Home Health, and Hospices: covering all states and agency sizes; 'We offer comprehensive coverage for' list including Crime – Third Party Theft and Employee Dishonesty Bond; Home Care Insurance Cost for Start-ups; practice-leader contacts. 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.

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