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

Corgi makes fiduciary liability available in Growth Stage and Custom startup packages through an online quote; Heffernan Insurance Brokers places the line for business clients and family offices.

Corgi offers fiduciary only in Growth Stage and Custom startup packages; Heffernan serves general businesses plus family offices and financial institutions through a Risk Management Assessment. ^2,^1,^4,⁵

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

Startup Package Versus Two Broker Practices

Corgi includes fiduciary only in Growth Stage and Custom packages, leaving it out of Pre-Seed & Seed and Series A. Heffernan lists fiduciary in both its corporate executive-protection and family-office practices, which also serves financial institutions. ² ⁴ ⁵

Named Buyer Segments

Corgi’s reviewed materials describe a self-serve startup quote rather than a named industry list. Heffernan names two segments: general business clients through its business-insurance brokerage, and family offices, trust companies, trustees, financial advisors, private equity firms, foundations, and other financial institutions through its family-office practice. ¹ ⁴ ⁵

What Each Public Description Says About the Policy

Corgi describes a claims-made standard form (CORG-FL-0100) covering specified ERISA breach claims and excluding settlor acts, ESOPs, and multi-employer plans, with investigation costs not treated as covered claims. Heffernan’s family-office page lists fiduciary alongside D&O, professional liability, EPL, and trustee liability without describing the policy’s insuring agreement or exclusions. ¹ ⁵

How Intake Works

You request a Corgi fiduciary quote through its online “Get a Fiduciary quote” flow. Heffernan’s family-office fiduciary coverage is reached through a named Private Client Group specialist rather than a self-service online quote; its general business-insurance listing routes through a Contact Us form. ¹ ⁵

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

Ask which Heffernan practice would handle the placement (business insurance or family office) and which Corgi package tier includes fiduciary on the quote. ⁵ ²
Ask Corgi whether the illustrative $25,000 retention and defense-inside-limit treatment apply to the actual quote. ¹
Ask Heffernan which insurer would issue the policy; the reviewed pages do not name one. ⁴
Ask Heffernan what the Risk Management Assessment would include for your structures and exposures. ⁵

Corgi vs Heffernan Insurance Brokers Fiduciary Liability Compared

Corgi vs Heffernan Insurance Brokers: Fiduciary Liability Insurance: documented features by provider

Criteria	Corgi Fiduciary Liability	Heffernan Fiduciary Liability Insurance
How to Apply	You request a Fiduciary quote through Corgi's online "Get a Fiduciary quote" flow, the same self-serve path Corgi uses for its other startup lines. ¹Company-reported. Fiduciary product page call to action.	The family-office practice's fiduciary-liability coverage is reached through a named Private Client Group specialist contact rather than a self-service online quote flow. ⁵Company-reported. Family Office page as read on 2026-09-23; the general business-insurance page's fiduciary listing routes through Heffernan's general Contact Us form instead.
Coverage Features	The standard policy (CORG-FL-0100) is claims-made and covers ERISA breach-of-fiduciary-duty claims such as excessive-fee litigation, plan administration errors and late deposit of employee contributions, but excludes settlor acts (plan design, amendment or termination decisions), ESOPs and multi-employer plans from the standard form. ¹Company-reported. Fiduciary coverage table and scenario/policy notes; illustrative summary, not policy wording. Corgi says DOL investigations, IRS audits and HHS inquiries are not covered "Claims" under the standard fiduciary policy; only a resulting participant lawsuit is a covered claim, and investigation costs themselves are not covered. ¹Company-reported. Fiduciary scenario note 3.	On the family-office page, fiduciary liability insurance is listed alongside directors and officers, professional liability, employment practices liability, trustee liability, and other management-liability-adjacent lines as coverage the practice can arrange, without describing the policy's insuring agreement or exclusions. ⁵Company-reported. Family Office page as read on 2026-09-23.
Role in This Line	Corgi sells Fiduciary Liability as part of its Growth Stage and Custom startup packages; it is not included in the Pre-Seed & Seed or Series A package tiers, unlike CGL, D&O, Tech E&O and Cyber. ²Company-reported. Homepage package contents as read on 2026-09-23.	Heffernan places fiduciary liability coverage within its general corporate/executive-protection lineup and again within a dedicated family-office and financial-institution practice. It shops and places the coverage with insurers rather than underwriting it. ^4,⁵Company-reported. Business Insurance and Family Office page listings; no dedicated fiduciary-liability product page was found.

Criteria

Corgi Fiduciary Liability

Heffernan Fiduciary Liability Insurance

How to Apply

You request a Fiduciary quote through Corgi's online "Get a Fiduciary quote" flow, the same self-serve path Corgi uses for its other startup lines. ¹Company-reported. Fiduciary product page call to action.

The family-office practice's fiduciary-liability coverage is reached through a named Private Client Group specialist contact rather than a self-service online quote flow. ⁵Company-reported. Family Office page as read on 2026-09-23; the general business-insurance page's fiduciary listing routes through Heffernan's general Contact Us form instead.

Coverage Features

The standard policy (CORG-FL-0100) is claims-made and covers ERISA breach-of-fiduciary-duty claims such as excessive-fee litigation, plan administration errors and late deposit of employee contributions, but excludes settlor acts (plan design, amendment or termination decisions), ESOPs and multi-employer plans from the standard form. ¹Company-reported. Fiduciary coverage table and scenario/policy notes; illustrative summary, not policy wording.

Corgi says DOL investigations, IRS audits and HHS inquiries are not covered "Claims" under the standard fiduciary policy; only a resulting participant lawsuit is a covered claim, and investigation costs themselves are not covered. ¹Company-reported. Fiduciary scenario note 3.

On the family-office page, fiduciary liability insurance is listed alongside directors and officers, professional liability, employment practices liability, trustee liability, and other management-liability-adjacent lines as coverage the practice can arrange, without describing the policy's insuring agreement or exclusions. ⁵Company-reported. Family Office page as read on 2026-09-23.

Role in This Line

Corgi sells Fiduciary Liability as part of its Growth Stage and Custom startup packages; it is not included in the Pre-Seed & Seed or Series A package tiers, unlike CGL, D&O, Tech E&O and Cyber. ²Company-reported. Homepage package contents as read on 2026-09-23.

Heffernan places fiduciary liability coverage within its general corporate/executive-protection lineup and again within a dedicated family-office and financial-institution practice. It shops and places the coverage with insurers rather than underwriting it. ^4,⁵Company-reported. Business Insurance and Family Office page listings; no dedicated fiduciary-liability product page was found.