Corgi vs Heffernan Insurance Brokers Workers’ Compensation Insurance

Corgi lists Worker's Compensation as a specialty coverage quoted with a 1-14 day turnaround, not through the instant online quote flow it uses 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 product page was found; a direct URL guess (/workers-compensation) returned a 404.

Heffernan lists workers' compensation among the basic coverages it places for business clients, and runs a separate claims-consulting division that works alongside the issuing carrier rather than underwriting the policy itself. ^9,12Company-reported. Business Insurance Brokerage and Claims Advocacy pages as read on 2026-09-23.

No page names the carrier that issues Worker's Compensation coverage. Corgi's general disclosures say coverage may be underwritten by affiliated carriers, including the risk retention group 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. This record does not resolve which entity underwrites workers' compensation for Corgi.

The reviewed pages do not name a specific insurer for Heffernan-placed workers' compensation policies; the healthcare and transportation practice pages instead describe relationships with 'the nation's top' or 'top transportation' carriers generically. ^9,11Not publicly disclosed. Business Insurance Brokerage, Small Business, and Home Care pages as read on 2026-09-23.

The catalog description targets employers generally rather than a specific industry, and does not mention any employee-count, payroll, or state threshold for eligibility. ^2,6Not publicly disclosed. Catalog description as of 2026-09-23; workers' compensation is state-mandated and rules vary by jurisdiction, which the reviewed pages do not address.

Heffernan places workers' compensation for businesses of all sizes across its small-business, healthcare, home care, and transportation practices, among others. ^10,11Company-reported. Small Business Insurance and Home Care Business Insurance pages as read on 2026-09-23; not an exhaustive eligibility schedule.

Corgi describes the product as providing benefits to employees for work-related injuries or illnesses, including medical expenses, lost wages, and rehabilitation costs. ^2,6Company-reported. One-sentence catalog description; no policy form, statutory-limits detail, monopolistic-state handling, or employer's-liability sublimit is published for this line.

Heffernan describes workers' compensation as covering injuries to employees while on the job, and says the cost has the greatest financial impact on a home care agency's expenses among the coverages in that package. ^10,11Company-reported. Small Business Insurance and Home Care Business Insurance pages as read on 2026-09-23; the reviewed pages do not describe statutory limits or state-specific benefit schedules.

No limit, retention, or illustrative policy structure is published for Worker's Compensation, unlike Corgi's Tech E&O and Umbrella pages, which show example limits. ^2,6Not publicly disclosed. Reviewed pages as of 2026-09-23; workers' compensation benefit levels are generally set by state statute rather than a policy limit, which the reviewed pages do not explain.

The reviewed pages do not publish premium ranges or experience-modification benchmarks for workers' compensation. ^9,10Not publicly disclosed. Business Insurance Brokerage, Small Business, and Home Care pages as read on 2026-09-23.

The reviewed pages do not describe safety programs, return-to-work services, or claims-handling details specific to Worker's Compensation. ^2,6Not found in reviewed sources. Homepage and startup-insurance page as read on 2026-09-23.

Heffernan's Claims Advocacy division offers workers'-compensation-specific services including a customized claims strategy, direct carrier liaison, experience-mod analysis to identify cost-reduction opportunities, and 24/7 telephonic or onsite medical triage with telemedicine options. ^12,11Company-reported. Claims Advocacy page as read on 2026-09-23; separately, home care insurance specialists are described as advising on workers'-comp coverage and premium for that program.

Worker's Compensation 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.

Not described in the reviewed sources.

Heffernan says its claims consulting division has more than 25 years of experience, has managed over $1 billion in claims, and reduces claim processing time by up to 75% through its proactive and telephonic-triage approach; these are company-reported performance figures, not independently verified. ¹²Company-reported. Claims Advocacy page as read on 2026-09-23; figures are Heffernan's own marketing statistics, described here as company-reported rather than adopted as verified performance.