Corgi vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance

Heffernan custom-builds an E&O package for industries it hasn't already listed; Corgi sells one fixed catch-all product instead.

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

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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

Read the Heffernan Insurance Brokers profile

What Is Professional Errors and Omissions (E&O) Insurance?

Professional errors and omissions (E&O) insurance, also called professional liability insurance, addresses claims that professional services or advice caused a client financial loss. What's covered depends on the services actually scheduled in the policy, not the product label alone. ^11,^12,^13,¹⁴

Read the full coverage guide

Key Differences in Professional Liability (E&O) Insurance

A Custom-Built Package Versus a Fixed Catch-All

Heffernan's small-business division says it will research and build a custom package for industries not already on its list, which spans construction, food, health care, hospitality, nonprofits, real estate, technology, transportation, and vintners and growers. ¹⁰ Corgi sells a single Miscellaneous E&O product, described as broad coverage for service-based businesses generally rather than tailored per industry. ⁶

What the Coverage Responds To

Heffernan describes errors and omissions coverage in general terms: protection against claims that a problem with the company's product or service caused a client financial loss. ¹⁰ Corgi's description covers similar ground but adds specifics: claims of negligence, errors, or failure to perform professional services. ⁶

How You Reach a Quote

Heffernan directs buyers to contact its small-business division directly to request a quote, with no online flow described. ¹⁰ Corgi lists Miscellaneous E&O with a 1-14 day turnaround, separate from the instant online quote it offers for its Tech & AI Liability product. ²

What to Confirm in Professional Liability (E&O) Insurance Quotes

If your industry isn't on Heffernan's list, ask what a custom-built package changes about coverage terms, not just eligibility. ¹⁰
Ask both companies to name the underwriting carrier; neither reviewed page identifies one for this line. ¹⁰ ¹
Request limit, retention and premium figures in writing, since neither company publishes them. ¹⁰ ⁶
Confirm expected turnaround for your quote; Corgi lists 1-14 days for this line, while Heffernan doesn't publish a timeline. ²

Offering Details

Corgi vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance: documented features by provider

Criteria	Corgi Miscellaneous E&O	Heffernan Professional Errors and Omissions Brokerage
Role in This Line	Corgi lists Miscellaneous E&O as a specialty coverage quoted with a 1-14 day turnaround, separate from its instant-quote Tech & AI Liability product and from its Real Estate E&O and Lawyer E&O products, which target specific professions. ^2,⁶Company-reported. Homepage and startup-insurance page policy-card labeling as of 2026-09-23. No dedicated product page was found; direct URL guesses (/miscellaneous-errors-and-omissions, /misc-eo) returned 404s.	Heffernan lists errors and omissions among the coverages its small-business division places for clients, shopping the line with insurers rather than underwriting it. ¹⁰Company-reported. Small Business Insurance page as read on 2026-09-23; no dedicated professional-E&O product page was found.
Issuing Insurer	No page names the carrier that issues Miscellaneous E&O 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 line-specific statement and finding none as of 2026-09-23.	Not described in the reviewed sources.
Who It’s For	Corgi targets Miscellaneous E&O at service-based businesses generally, positioned as a catch-all for professional-liability exposure not covered by its technology-, real-estate-, or legal-specific E&O products. ^2,⁶Company-reported. Catalog description; no industry, size, or state restrictions are published for this line.	Heffernan's small-business division says it serves sole proprietors through fast-growing companies across industries including construction, food, health care, hospitality, nonprofits, real estate, technology, transportation, and vintners and growers, and will custom-design a package for industries not listed. ¹⁰Company-reported. Small Business Insurance page as read on 2026-09-23; not exclusively E&O-specific, but describes the buyer base for the page listing this coverage.
Coverage Features	Corgi describes Miscellaneous E&O as broad professional liability coverage for service-based businesses facing claims of negligence, errors, or failure to perform professional services, distinct from its named Tech E&O, Real Estate E&O, and Lawyer E&O products. ^2,⁶Company-reported. One-sentence catalog description; no policy form, insuring agreement, exclusion, or claims-made/occurrence trigger is published for this line.	Heffernan describes errors and omissions coverage as protecting against claims for problems with a company's product or service that result in a financial loss to a client. ¹⁰Company-reported. Small Business Insurance page as read on 2026-09-23; the page does not list specific exclusions, claims-made versus occurrence form, or endorsements.
Limits and Retentions	No limit, retention, or illustrative policy structure is published for Miscellaneous E&O, 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.	The reviewed page does not publish limits, retentions, or premium ranges for errors and omissions coverage. ¹⁰Not publicly disclosed. Small Business Insurance page as read on 2026-09-23.
Risk Services	The reviewed pages do not describe risk-management or claims-handling services specific to Miscellaneous E&O 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.	Not described in the reviewed sources.
How to Apply	Miscellaneous E&O 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.	Heffernan directs small-business buyers to contact the firm's small-business division to request a quote and says it will research and build a custom package for industries not already listed. ¹⁰Company-reported. Small Business Insurance page as read on 2026-09-23.

Full Comparison

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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 Miscellaneous E&O" card, alongside Real Estate E&O and Lawyer E&O as separate professional-liability products. 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 Miscellaneous E&O — Broad professional liability coverage for service-based businesses facing claims of negligence, errors, or failure to perform professional 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.
Small Business Insurance. Heffernan Insurance Brokers; The types of coverage we can provide include... Errors and omissions protects against claims for problems with your product or service that result in a financial loss; industries served list; Specialty Programs; contact for custom-designed packages. Accessed 2026-09-23.

Professional Liability (E&O) Insurance Guide

FAQ: Professional liability insurance. Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
Professional liability insurance. Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
Professional Liability – US Direct Errors and Omissions Insurance. Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.