---
title: "Corgi vs Heffernan Insurance Brokers: Fiduciary Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/corgi-vs-heffernan/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "corgi-vs-heffernan"
provider-a: "corgi"
provider-b: "heffernan"
coverage-line: "fiduciary"
---
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## Agent Guide
**What this page is:** Focused comparison of Corgi and Heffernan Insurance Brokers for Fiduciary Liability 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 Fiduciary Liability 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 Fiduciary Liability Insurance: how do they differ?
- Which is better for Fiduciary Liability Insurance, Corgi or Heffernan Insurance Brokers?
- What does Corgi or Heffernan Insurance Brokers publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)?
**Key facts:**
- Line: Fiduciary Liability 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
- [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — 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 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 limits fiduciary to Growth Stage and Custom packages; Heffernan also serves family offices, trust companies and financial institutions and offers a Risk Management Assessment.
## Corgi vs Heffernan Insurance Brokers Fiduciary Liability Insurance Summary
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](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [1](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [4](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [5](https://www.heffins.com/family-office/ "Family Office")
## 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](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [4](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [5](https://www.heffins.com/family-office/ "Family Office")
### 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](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [4](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [5](https://www.heffins.com/family-office/ "Family Office")
### 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](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [5](https://www.heffins.com/family-office/ "Family Office")
### 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](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [5](https://www.heffins.com/family-office/ "Family Office")
## 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](https://www.heffins.com/family-office/ "Family Office") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes")
- Ask Corgi whether the illustrative $25,000 retention and defense-inside-limit treatment apply to the actual quote. [1](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")
- Ask Heffernan which insurer would issue the policy; the reviewed pages do not name one. [4](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")
- Ask Heffernan what the Risk Management Assessment would include for your structures and exposures. [5](https://www.heffins.com/family-office/ "Family Office")
## Corgi vs Heffernan Insurance Brokers Fiduciary Liability Compared
| 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. [1](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") (Evidence: Company-reported; scope: 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. [5](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: 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. [1](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") (Evidence: Company-reported; scope: 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. [1](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") (Evidence: Company-reported; scope: 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. [5](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: 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. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: 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](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [5](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Business Insurance and Family Office page listings; no dedicated fiduciary-liability product page was found..) |
## About Corgi and Heffernan Insurance Brokers and Fiduciary Liability
- [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 Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary)
## Related Pages for Corgi vs Heffernan Insurance Brokers
- [Corgi vs Heffernan Insurance Brokers](https://spot.insure/compare/corgi-vs-heffernan): all coverage lines, business roles, service and claims.
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included.
- [Corgi Fiduciary Liability Insurance](https://spot.insure/insurance-providers/corgi/fiduciary)
- [Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/insurance-providers/heffernan/fiduciary)
## Sources for Corgi vs Heffernan Insurance Brokers
### Sources About Corgi
1. [Fiduciary Liability Insurance for Startups](https://www.corgi.insure/fiduciary-liability). Corgi Insurance; What's Actually Inside Your Fiduciary Policy (form CORG-FL-0100); Scenario notes; Policy notes; Available Add-ons; FAQ. 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: Fiduciary Liability listed only in the Growth Stage and Custom Package tiers. Accessed 2026-09-23.
3. [Disclaimers & Licensing](https://www.corgi.insure/disclaimers). Corgi Insurance; About Corgi; How Insurance Is Provided Through Corgi (Underwriting); Specialty Insurance Carrier and Underwriting Disclosures. Accessed 2026-09-23.
### Sources About Heffernan Insurance Brokers
4. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). Heffernan Insurance Brokers; Corporate and executive protection, such as employment practices liability, directors and officers liability, fiduciary responsibility, cyber liability, and kidnap and ransom are also available through our comprehensive business insurance programs.. Accessed 2026-09-23.
5. [Family Office](https://www.heffins.com/family-office/). Heffernan Insurance Brokers; We serve: Family offices, Trust companies, Individual and professional trustees, Financial advisors/CPAs/attorneys, Private equity firms, Foundations, Financial institutions; Coverage for Family Offices, Trustees & Financial Firms: ... Fiduciary liability insurance ...; Risk Management Assessment section; contact Lacey Garrison. 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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