Corgi vs 
Heffernan Insurance Brokers Medical Malpractice Insurance
Corgi sells a specialty malpractice card for healthcare startups; Heffernan packages Med Mal into healthcare programs that can include captives and self-insurance.
What Is Corgi Insurance?
Corgi Insurance sells commercial coverage to technology startups through stage-based packages (pre-seed and seed, Series A, and growth stage) that combine general liability, directors and officers, technology E&O, cyber, and related lines, alongside a growing small-business product line for other industries. Coverage may be issued by Corgi’s own risk retention group, an affiliated admitted carrier, or a partner insurer, so the issuing entity and available protections depend on the specific product and state. 1,2,3,4,5
What Is Heffernan Insurance Brokers?
Heffernan Insurance Brokers is an independent, Walnut Creek–headquartered retail brokerage that arranges business insurance, employee benefits, and related services. Its technology practice markets to mid- and late-stage companies, including venture-funded and pre-IPO firms. 7,8,9
What Is Medical Malpractice Insurance?
Medical malpractice insurance is professional liability coverage for claims arising from a health care professional’s medical services. 11,12
Key Differences in Medical Malpractice Insurance
Specialty Card Versus Healthcare Practice
Corgi presents Medical Malpractice as one specialty among startup coverages, quoted in 1–14 days rather than instantly. Heffernan lists Medical Malpractice as a named healthcare service specialty and places it with carriers instead of issuing the policy. 2 6 10
Who Each Practice Says It Serves
Corgi frames the product for healthcare professionals and organizations, set apart from its core technology-startup lineup. Heffernan’s health-care team names physician groups, clinics, hospitals, patient transport companies and laboratories, plus allied health, home care and senior living. 6 10
How Coverage Is Structured
Corgi’s one-sentence description is about negligence in delivering medical services; it does not describe packaging with other lines or alternative risk finance.
Heffernan says it packages medical malpractice with other healthcare coverages such as workers' compensation, professional liability, and cyber liability for a single client program. 10Company-reported. Healthcare Insurance page as read on 2026-09-23; the page does not describe medical-malpractice insuring agreements, claims-made versus occurrence form, or limits separately from the bundled list.
Heffernan also offers healthcare clients captive, partially self-insured or fully self-insured plan structures. Corgi’s reviewed pages do not describe captives or self-insurance for this line. 10 6
What to Confirm in Medical Malpractice Insurance Quotes
- Ask Heffernan whether the proposal is a fully insured placement or a captive or self-insured structure, and which carrier is on the insured option. 10
- Ask Corgi for the issuing insurer; the disclaimers page does not assign a carrier to Medical Malpractice. 1
- Confirm whether Heffernan is bundling workers’ compensation, professional liability or cyber with Med Mal, and whether Corgi’s quote is malpractice only. 10 6
- Get limits, retentions and form type from both; neither reviewed page publishes those figures. 2 10
Offering Details
Corgi vs Heffernan Insurance Brokers Medical Malpractice Insurance: documented features by provider
| Criteria | Corgi Medical Malpractice | Heffernan Healthcare Insurance — Medical Malpractice |
|---|---|---|
| Role in This Line | Corgi lists Medical Malpractice as one of its specialty coverages, quoted with a 1-14 day turnaround rather than the instant online quote it offers for CGL, D&O, Tech E&O, and its other core startup policies. 2,6Company-reported. Homepage and startup-insurance page policy-card labeling as of 2026-09-23. No dedicated Medical Malpractice product page was found on the site; a direct URL guess (/medical-malpractice) returned a 404. | Heffernan lists Medical Malpractice (Med Mal) as one of its named healthcare service specialties, placing coverage with carriers for health care clients rather than underwriting it. 10Company-reported. Healthcare Insurance page as read on 2026-09-23; no dedicated medical-malpractice sub-page was found beyond this healthcare practice page. |
| Issuing Insurer | No page names the carrier that issues Medical Malpractice coverage. Corgi's general disclosures say coverage may be underwritten by affiliated carriers, including Technology Risk Retention Group, or by third-party partner carriers depending on product, jurisdiction, and risk profile, without identifying which applies to this line. 1Not publicly disclosed. Disclaimers page general underwriting disclosure, checked for a medical-malpractice-specific statement and finding none as of 2026-09-23. | Heffernan says it has relationships with 'the nation's top insurance carriers' for a fully insured healthcare plan, but the reviewed page does not name a specific medical-malpractice insurer. 10Not publicly disclosed. Healthcare Insurance page as read on 2026-09-23. |
| Who It’s For | Corgi frames the product for healthcare professionals and organizations, in contrast to its core lineup, which targets general technology startups. 2,6Company-reported. Catalog description; no size, specialty, or state restrictions are published for this line. | Heffernan says its health care risk-management team serves physician groups, clinics, hospitals, patient transport companies, and laboratories, plus specialty practices in allied health, home care, and senior living. 10Company-reported. Healthcare Insurance page as read on 2026-09-23; not exclusively medical-malpractice-specific, but names the buyer types the practice serves. |
| Coverage Features | Corgi describes Medical Malpractice as protecting healthcare professionals and organizations against claims alleging negligence in the delivery of medical services. 2,6Company-reported. One-sentence catalog description on the homepage and startup-insurance page; no policy form, insuring agreement, exclusion, or claims-made/occurrence trigger is published for this line. | Heffernan says it packages medical malpractice with other healthcare coverages such as workers' compensation, professional liability, and cyber liability for a single client program. 10Company-reported. Healthcare Insurance page as read on 2026-09-23; the page does not describe medical-malpractice insuring agreements, claims-made versus occurrence form, or limits separately from the bundled list. |
| Limits and Retentions | No limit, retention, or illustrative policy structure is published for Medical Malpractice, unlike Corgi's Tech E&O and Umbrella pages, which show example limits. 2,6Not publicly disclosed. Reviewed pages as of 2026-09-23; limits would appear on an actual quote. | Not described in the reviewed sources. |
| Risk Services | The reviewed pages do not describe risk-management or claims-handling services specific to Medical Malpractice policyholders. 2,6Not found in reviewed sources. Homepage and startup-insurance page as read on 2026-09-23; general claims-handling disclosures on the disclaimers page are not specific to this line. | Beyond fully insured placements, Heffernan offers healthcare clients captive, partially self-insured, or fully self-insured plan structures, and says it has experience serving nonprofit health care organizations. 10Company-reported. Healthcare Insurance page as read on 2026-09-23; described for the healthcare practice generally, not exclusively for medical malpractice. |
| How to Apply | Medical Malpractice sits outside Corgi's instant-quote flow; the site groups it with policies quoted in 1-14 days rather than through the self-serve online application used for its core coverages. 2,6Company-reported. Homepage and startup-insurance page policy-card labeling. | Not described in the reviewed sources. |
Full Comparison
More Corgi vs Heffernan Insurance Brokers Comparisons
Other Medical Malpractice Insurance Comparisons
Sources
Corgi
- Disclaimers & Licensing. Corgi Insurance; Carrier Financial Strength; How Insurance Is Provided Through Corgi; Specialty Insurance Carrier and Underwriting Disclosures. Accessed 2026-09-23.
- Corgi Insurance: Startup Insurance, Quoted in Minutes. Corgi Insurance; Explore Our Main Policies list: "1-14 days turnaround Medical Malpractice" card, same one-sentence description as the startup-insurance page. Accessed 2026-09-23.
- Corgi Insurance Launches Admitted Insurance Carrier. PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
- NAIC Listing of Companies. National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
- Insurance Topics: Risk Retention Groups. National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15.
- Startup Insurance | Corgi Insurance. Corgi Insurance; Specialized Coverages section: "1-14 days turnaround Medical Malpractice — Protects healthcare professionals and organizations against claims alleging negligence in the delivery of medical services.". Accessed 2026-09-23.
Heffernan Insurance Brokers
- Our Story. Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
- Technology Company Insurance. Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why Heffernan broker history; Joseph Talmadge practice leader; FAQ. Accessed 2026-09-16.
- Heffernan Business Insurance Brokerage. Heffernan Insurance Brokers; Forward-Thinking Business Insurance: basic coverages (general liability, commercial property and auto, workers’ compensation); corporate and executive protection (EPL, D&O, fiduciary responsibility, cyber, kidnap and ransom); alternative risk capabilities; claims, loss control and risk-management services; industry practice links including Technology and Claims Advocacy. Accessed 2026-09-16.
- Healthcare Insurance for Health Care Services. Heffernan Insurance Brokers; Healthcare Services: Allied Health & Specialty Centers, Home Care Agencies, Medical Malpractice (Med Mal), Senior Living Communities; from physician groups, clinics, and hospitals to patient transport companies and laboratories; if you'd like a fully insured plan, we have relationships with the nation's top insurance carriers; explore captive, partially-self-insured or fully-self-insured plans; dovetail all the coverages you need — from workers' compensation to professional liability, cyber liability and more. Accessed 2026-09-23.
Medical Malpractice Insurance Guide
- Medical Malpractice Insurance. National Association of Insurance Commissioners; Background: Issue; Overview; two basic types. Accessed 2026-09-16.
- Medical Liability Insurance shopping guide. Texas Department of Insurance; What is medical liability insurance?; Claims-made versus occurrence; changing carriers; renewal tips. Accessed 2026-09-16.
