Corgi vs 
Heffernan Insurance Brokers Representations and Warranties Insurance
Corgi lists R&W as a specialty card; Heffernan brokers RWI inside private-equity diligence, group purchasing and post-close planning.
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 Representations and Warranties Insurance?
Representations and warranties insurance addresses financial loss from inaccuracies in the representations or warranties made in a stock or asset purchase agreement. It doesn't cover issues already known before signing, disputes over the purchase price, or every statement made during diligence. 11,12
Key Differences in Representations and Warranties Insurance
Catalog Product Versus PE Practice
Corgi sells R&W as a specialty coverage for buyers or sellers in M&A, sitting outside instant quote. Heffernan’s HIB practice arranges RWI as brokerage for private equity firms and strategic investors, covering enterprise-level and transactional liability needs rather than underwriting the policy. 6 10
One Sentence Versus a Risk Menu
Corgi describes protection against financial loss from breaches of representations and warranties in a purchase agreement. Heffernan says RWI safeguards the parties’ agreed understanding of a deal and groups it with contingent liability, environmental liability, tax liability and litigation-buyout coverage. 2 10
Services Corgi’s Pages Do Not Describe
Heffernan describes pre-close due diligence (detailed review, benchmarking, search for hidden liabilities), group purchasing across private-equity clients, and insurance planning for the company after closing, with contact to the practice rather than a self-service application. Corgi’s reviewed pages do not describe due-diligence support, deal-team access or other transaction-specific services for this line. 10 6
What to Confirm in Representations and Warranties Insurance Quotes
- Name Heffernan’s RWI insurer and Corgi’s issuing carrier. 10 1
- Ask whether you need only RWI or Heffernan’s adjacent transactional-risk lines. 10
- Compare Corgi’s 1–14 day specialty path with Heffernan’s practice contact process. 2 10
- Request limits and retentions; neither reviewed page publishes them. 6 10
Offering Details
Corgi vs Heffernan Insurance Brokers Representations and Warranties Insurance: documented features by provider
| Criteria | Corgi Representations and Warranties Insurance | Heffernan Private Equity and M&A Practice — Representation & Warranty Insurance |
|---|---|---|
| Role in This Line | Corgi lists Representations and Warranties insurance as a specialty coverage quoted with a 1-14 day turnaround, not through its instant online quote flow used for CGL, D&O, Tech E&O, and its other core policies. 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 (/representations-and-warranties, /representations-warranties) returned 404s. | Heffernan's Private Equity and M&A (HIB) Practice arranges representation and warranty (RWI) insurance for deal buyers and sellers as part of a broader transactional-risk brokerage, rather than underwriting the coverage itself. 10Company-reported. Private Equity and M&A page as read on 2026-09-23. |
| Issuing Insurer | No page names the carrier that issues Representations and Warranties 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 this product at businesses on either side of an M&A transaction (buyer or seller), which is a narrower, transaction-triggered audience than its startup-lifecycle packages built around CGL, D&O, Tech E&O, and Cyber. 2,6Company-reported. Catalog description; no deal-size, industry, or state restrictions are published for this line. | Heffernan markets this practice to private equity firms and strategic investors doing mergers and acquisitions, covering both enterprise-level and transactional liability needs. 10Company-reported. Private Equity and M&A page as read on 2026-09-23. |
| Coverage Features | Corgi describes the product as protecting buyers or sellers in M&A transactions against financial loss arising from breaches of representations and warranties in a purchase agreement. 2,6Company-reported. One-sentence catalog description; no policy form, insuring agreement, exclusion, retention, or underwriting-diligence requirement is published for this line. | Heffernan says RWI safeguards a buyer and seller's agreed understanding of a deal, and groups it under 'Transactional Risk Mitigation' alongside contingent liability, environmental liability, tax liability, and litigation-buyout coverage. 10Company-reported. Private Equity and M&A page as read on 2026-09-23; the page does not describe RWI's specific insuring agreement, exclusions, retention structure, or limits. |
| Limits and Retentions | No limit, retention, or illustrative policy structure is published for Representations and Warranties, 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, retention levels, or premium ranges for representation and warranty policies. 10Not publicly disclosed. Private Equity and M&A page as read on 2026-09-23. |
| Risk Services | The reviewed pages do not describe due-diligence support, deal-team access, or other transaction-specific services tied to this line. 2,6Not found in reviewed sources. Homepage and startup-insurance page as read on 2026-09-23. | Heffernan describes pre-close due diligence (a detailed review, benchmarking and a search for hidden liabilities), group purchasing across its private-equity clients, and insurance planning for the company after closing. 10Company-reported. Private Equity and M&A page as read on 2026-09-23. |
| How to Apply | Representations and Warranties 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 invites private equity and M&A clients to contact the practice directly; the page does not describe a self-service quote or online application path. 10Company-reported. Private Equity and M&A page as read on 2026-09-23. |
Full Comparison
More Corgi vs Heffernan Insurance Brokers Comparisons
Other Representations and Warranties 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 Representations and Warranties" card, same coverage 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 R&W (Representations & Warranties Insurance) — Protects buyers or sellers in M&A transactions against financial loss arising from breaches of representations and warranties in purchase agreements.". 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.
- Private Equity and M&A. Heffernan Insurance Brokers; Reps & Warranties Insurance; Heffernan Insurance Brokers (HIB) Private Equity and M&A Practice; Key Merger and Acquisition Insurance Services: Pre-Close Due Diligence, Insurance Placement Hub, Post-Close Insurance Strategies; Transactional Risk Mitigation to Contain Any Threats: RWI, Contingent Liability, Environmental Liability, Tax Liability, Litigation Buyout; Other Related Services: General Partnership Liability (GPL), Professional Liability/E&O, Key person insurance. Accessed 2026-09-23.
Representations and Warranties Insurance Guide
- Transaction liability insurance | Representation and indemnities insurance. CFC; What are representations and warranties?; Who should buy representation and warranty insurance?; Available to buyers & sellers; Limited seller security; Is transaction liability insurance available to sellers. Accessed 2026-09-16.
- Mergers & Acquisitions. Beazley; Product overview: buyer and seller protection for inaccuracies in representations or warranties. Accessed 2026-09-16.
