Corgi vs Heffernan Insurance Brokers: How Do They Compare for Cyber Insurance?

Heffernan Insurance Brokers shops several carriers and describes first-party costs like data recovery and notification; Corgi's standard cyber is third-party only, with ransomware by endorsement.

Heffernan maintains a cyber risk team that assesses exposure, shops the market, and guides selection, describing data recovery, legal fees, and notification. Corgi's standard form covers third-party claims only and prices those first-party costs as endorsements. ^4,¹

What Are the Key Differences Between Corgi and Heffernan Insurance Brokers Cyber Insurance?

An Advisor Who Shops Versus a Form You Quote Online

Heffernan says it maintains a cyber risk team that determines exposure, shops the market, presents options, and guides selection, then arranges the policy with insurers. Corgi sells a named form you can quote online. The standard Corgi grant is third-party network and privacy liability; data recovery, ransomware, interruption, and funds-transfer fraud are endorsements. Choose Heffernan if you want a brokered market search after an exposure review; choose Corgi if you want to start online and will add first-party endorsements. ⁴ ¹

The standard policy covers third-party network security and privacy liability claims only. Breach response, ransomware, business interruption and funds transfer fraud are available as endorsements. ¹Company-reported. Coverage summary for form CORG-CY-0100; endorsement availability varies by jurisdiction and underwriting.

What Each Page Says You Get After a Breach

Heffernan describes arranged policies covering data recovery, legal fees, notification, and interruption, plus access to IT forensics specialists and PR advisors. Corgi illustrates $1 million per claim and $2 million aggregate with a $10,000 retention, claims-made with defense inside the limit. Heffernan publishes no limits and does not name the insurer; its FAQ only cites a market premium range of a few hundred to several thousand dollars a year. ⁴ ¹

What Should You Confirm in Corgi and Heffernan Insurance Brokers Cyber Insurance Quotes?

Ask Heffernan which insurers it would approach and what limits they offered. ⁴
Ask Corgi which endorsements are priced. ¹
Confirm whether Heffernan's forensics and PR access is part of the policy or a separate vendor panel. ⁴

Corgi vs Heffernan Insurance Brokers Cyber Insurance Compared

Corgi vs Heffernan Insurance Brokers: Cyber Insurance: documented features by provider

Criteria	Corgi Cyber Liability	Heffernan Cyber Security Insurance Brokerage
How to Apply	You can request a cyber quote online through Corgi. ¹Company-reported. Product page quote call to action.	Heffernan's FAQ says getting cyber insurance starts with assessing your business's data types and cybersecurity measures, then working with an experienced broker to obtain and compare quotes from multiple providers. ⁴Company-reported. Cyber Security Insurance page's 'How Do I Get Cyber Insurance?' FAQ answer.
Coverage Features	The standard policy covers third-party network security and privacy liability claims only. Breach response, ransomware, business interruption and funds transfer fraud are available as endorsements. ¹Company-reported. Coverage summary for form CORG-CY-0100; endorsement availability varies by jurisdiction and underwriting. Regulatory investigations, fines and penalties are excluded from the standard policy. Corgi says regulatory coverage may be added by endorsement where legally insurable. ¹Company-reported. Scenario notes for form CORG-CY-0100. The policy is claims-made, with defense costs inside the limit, so legal spending reduces the amount left for settlements. ¹Company-reported. Scenario notes for form CORG-CY-0100.	Heffernan describes cyber policies it arranges as covering costs from a cyber incident, such as data recovery, legal fees, notification expenses and business interruption, and says a policy can also provide access to incident-response experts, including IT forensics specialists and public relations advisors. ⁴Company-reported. Cyber Security Insurance page's coverage description and FAQ; specific insuring agreements, sublimits and exclusions depend on the policy form selected.
Role in This Line	Corgi sells cyber liability as a standalone policy and inside its startup packages, starting with the pre-seed and seed package. ^2,¹Company-reported. Homepage package contents and the cyber liability product page.	Heffernan says it maintains a cyber risk team with expertise in determining a client's cyber exposure, shopping the market, presenting options and guiding the selection of coverage. It arranges the policy with insurance carriers rather than underwriting cyber coverage itself. ⁴Company-reported. Cyber Security Insurance page's description of the cyber risk team.

Criteria

Corgi Cyber Liability

Heffernan Cyber Security Insurance Brokerage

How to Apply

You can request a cyber quote online through Corgi. ¹Company-reported. Product page quote call to action.

Heffernan's FAQ says getting cyber insurance starts with assessing your business's data types and cybersecurity measures, then working with an experienced broker to obtain and compare quotes from multiple providers. ⁴Company-reported. Cyber Security Insurance page's 'How Do I Get Cyber Insurance?' FAQ answer.

Coverage Features

Regulatory investigations, fines and penalties are excluded from the standard policy. Corgi says regulatory coverage may be added by endorsement where legally insurable. ¹Company-reported. Scenario notes for form CORG-CY-0100.

The policy is claims-made, with defense costs inside the limit, so legal spending reduces the amount left for settlements. ¹Company-reported. Scenario notes for form CORG-CY-0100.

Heffernan describes cyber policies it arranges as covering costs from a cyber incident, such as data recovery, legal fees, notification expenses and business interruption, and says a policy can also provide access to incident-response experts, including IT forensics specialists and public relations advisors. ⁴Company-reported. Cyber Security Insurance page's coverage description and FAQ; specific insuring agreements, sublimits and exclusions depend on the policy form selected.

Role in This Line

Corgi sells cyber liability as a standalone policy and inside its startup packages, starting with the pre-seed and seed package. ^2,¹Company-reported. Homepage package contents and the cyber liability product page.

Heffernan says it maintains a cyber risk team with expertise in determining a client's cyber exposure, shopping the market, presenting options and guiding the selection of coverage. It arranges the policy with insurance carriers rather than underwriting cyber coverage itself. ⁴Company-reported. Cyber Security Insurance page's description of the cyber risk team.