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

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

## Agent Guide

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

**Key facts:**
- Line: Cyber 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
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — 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 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's cyber team shops markets after an exposure review and describes first-party recovery and notification; Corgi sells a third-party-only form online with published illustrative limits.

## Corgi vs Heffernan Insurance Brokers Cyber Insurance Summary

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](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [1](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups")

## 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](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [1](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups")

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. [1](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: 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](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [1](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups")

## 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](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance")
- Ask Corgi which endorsements are priced. [1](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups")
- Confirm whether Heffernan's forensics and PR access is part of the policy or a separate vendor panel. [4](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance")

## Corgi vs Heffernan Insurance Brokers Cyber Insurance Compared

| Criteria | Corgi Cyber Liability | Heffernan Cyber Security Insurance Brokerage |
| --- | --- | --- |
| How to Apply | You can request a cyber quote online through Corgi. [1](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: 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. [4](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: Coverage summary for form CORG-CY-0100; endorsement availability varies by jurisdiction and underwriting..)<br><br>Regulatory investigations, fines and penalties are excluded from the standard policy. Corgi says regulatory coverage may be added by endorsement where legally insurable. [1](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: Scenario notes for form CORG-CY-0100..)<br><br>The policy is claims-made, with defense costs inside the limit, so legal spending reduces the amount left for settlements. [1](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: 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. [4](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") (Evidence: Company-reported; scope: 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](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [1](https://www.corgi.insure/cyber-liability "Cyber Liability Insurance for Startups") (Evidence: Company-reported; scope: 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. [4](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") (Evidence: Company-reported; scope: Cyber Security Insurance page's description of the cyber risk team..) |

## About Corgi and Heffernan Insurance Brokers and Cyber 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 Cyber Insurance?](https://spot.insure/coverage/cyber)

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

- [Corgi vs Heffernan Insurance Brokers](https://spot.insure/compare/corgi-vs-heffernan): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [Corgi Cyber Insurance](https://spot.insure/insurance-providers/corgi/cyber)
- [Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/insurance-providers/heffernan/cyber)

## Sources for Corgi vs Heffernan Insurance Brokers Cyber Insurance

### Sources About Corgi

1. [Cyber Liability Insurance for Startups](https://www.corgi.insure/cyber-liability). Corgi Insurance; What’s Actually Inside Your Cyber Policy (form CORG-CY-0100); Scenario notes; Policy notes; Available Add-ons. Accessed 2026-09-23.
2. [Corgi Insurance: Startup Insurance, Quoted in Minutes](https://www.corgi.insure). Corgi Insurance; Coverage Designed Around Your Startup’s Journey: package contents. Accessed 2026-09-23.
3. [Disclaimers](https://www.corgi.insure/disclaimers). Corgi Insurance; Insurer and producer disclosures. Accessed 2026-09-16.

### Sources About Heffernan Insurance Brokers

4. [Cyber Security Insurance](https://www.heffins.com/business-insurance/cyber-insurance/). Heffernan Insurance Brokers; Make Cyber Liability Insurance Part of Your Cyber Risk Management Plan: cyber risk team determines exposure, shops the market, presents options and guides coverage selection; incident-response access; Frequently Asked Questions on what cyber insurance covers, who needs it, cost and how to get it. 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/cyber.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)