Corgi vs Heffernan: Business Owner’s Policy

Corgi's BOP combines general liability and property for small and growing businesses with a 1 to 14 day turnaround; Heffernan Insurance Brokers arranges BOPs for small companies and says it will research custom packages for niche industries.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-09-29

Provider coverage details

Corgi

  • role: Corgi lists a Business Owners Policy among its main policies, but groups it with the slower, non-instant-quote products rather than the modules that get an on-page instant quote. Homepage coverage catalog as read on 2026-09-23. No dedicated BOP product page was found on corgi.insure or its sitemap.company-reportedSource ↗
  • coverage: Corgi describes its BOP as combining general liability and commercial property coverage into a single policy, designed for small and growing businesses. One-line homepage product description; no policy form, limits, exclusions or endorsement list is published for this line.company-reportedSource ↗
  • application: Corgi tags the BOP card with a 1-14 days turnaround, distinct from the same-day instant-quote path it advertises for CGL, Cyber, Tech & AI, D&O, EPLI, Fiduciary, Media and HNOA. Homepage badge language only; the reviewed sources do not describe the actual BOP application steps or underwriting requirements.company-reportedSource ↗
  • insurer: The reviewed homepage listing does not name an issuing insurer, policy form number or underwriting entity for the Business Owners Policy. Homepage catalog card as read on 2026-09-23; no dedicated BOP page exists to check for a form number or underwriter disclosure.not-disclosedSource ↗
  • limits: No limits, deductibles or retentions are published for the Business Owners Policy in the reviewed sources. Homepage catalog card only; Corgi publishes illustrative limits for several other lines (e.g. D&O, EPLI, Crime) on their own product pages, but no equivalent page exists for BOP.not-foundSource ↗

Heffernan Insurance Brokers

  • role: Heffernan's small-business division arranges a business owner's policy (BOP) for small and growing companies as one of several coverages it places. Heffernan describes itself as the source businesses go to for insurance, not as the insurer. Small Business Insurance page description of the division and its BOP offering.company-reportedSource ↗
  • coverage: Heffernan describes a business owner's policy as a package that combines protection for a company's major property and liability risks in one bundle, assembling the basic coverages a business owner needs. Small Business Insurance page's coverage-type list. Specific insuring agreements and exclusions are not detailed there.company-reportedSource ↗
  • eligibility: Heffernan's small-business insurance targets companies the U.S. Small Business Administration defines as having fewer than 500 employees or less than $7 million in annual receipts, ranging from sole proprietors working from home to fast-growing companies, across industries it lists including construction, food, health care, hospitality, real estate, technology and transportation. Small Business Insurance page's eligibility and industry-list sections.company-reportedSource ↗
  • services: Heffernan says its small-business division focuses entirely on the needs of small-business clients and will research and build a custom-designed package for an industry or niche not listed on the page. Small Business Insurance page description of the division's approach.company-reportedSource ↗
  • limits: The small-business page does not publish BOP limits, deductibles or premium ranges. It cites only general statistics on the cost of small-business lawsuits, not Heffernan's own policy terms. Checked the Small Business Insurance page on 2026-09-23.not-disclosedSource ↗
  • insurer: The small-business page does not name the insurer that would issue a business owner's policy arranged through Heffernan. Checked the Small Business Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations.not-disclosedSource ↗

What Are the Key Differences Between Corgi and Heffernan Insurance Brokers Business Owner’s Policy?

Who Qualifies and Who Helps You

Heffernan's small-business division serves everyone from home-based sole proprietors to growing companies, and lists construction, food, health care, hospitality, real estate, technology and transportation. As a broker rather than the insurer, it shops the policy for you. Corgi lists the BOP among its main policies for small and growing businesses but publishes no industry list or size test, so you won't know if you qualify until you apply. Choose Heffernan if you're in one of its listed industries or an unusual niche; choose Corgi if you want to start inside its own product catalogue. [1] [2]

Time to a Quote

Corgi groups its BOP with slower products marked 1–14 days, not instant quote, so don't count on same-day coverage for a lease signing. Heffernan says it will research a custom package for an industry it doesn't list, which also takes time. [2] [1]

What the Package Contains

Corgi names general liability and commercial property. Heffernan describes a package of major property and liability risks without naming specific parts. [1] [2]

What Should You Confirm in Corgi and Heffernan Insurance Brokers Business Owner’s Policy Quotes?

  • Ask Heffernan which insurer issues the BOP. [2]
  • Ask Corgi which insurer writes the BOP and whether business interruption is included. [1]
  • If your receipts are above $7 million, ask Heffernan how it would place the account. [2]
  • Get limits and deductibles in writing; neither page publishes them. [1] [2]

Neither is instant: Corgi quotes its GL-and-property BOP in 1–14 days, and Heffernan is a broker placing BOPs for businesses under 500 employees or $7 million in receipts. Heffernan is the better bet for construction, food, hospitality and other niches, since it will build a package for unlisted industries.

Sources and records

  1. 01
    Corgi Insurance: Startup Insurance, Quoted in Minutes

    Corgi Insurance · Explore Our Main Policies: Business Owners Policy (BOP) card, listed with an 1-14 days turnaround badge rather than the Instant quote badge used for CGL, Cyber, Tech & AI, D&O, EPLI, Fiduciary, Media and HNOA · accessed 2026-09-23

  2. 02
    Small Business Insurance

    Heffernan Insurance Brokers · Tailor-Made Insurance for Small Businesses; types of coverage we can provide including business owner's policy; industry list; U.S. Small Business Administration size definition · accessed 2026-09-23

  3. 03
    Business Interruption and Business Owner Policy

    National Association of Insurance Commissioners · Background; General liability, Commercial property and Business interruption bullets · accessed 2026-09-16

  4. 04
    Small Business

    National Association of Insurance Commissioners · FAQ: What’s a business owners policy?; What’s general liability insurance · accessed 2026-09-16

Use this comparison as a starting point for a discussion about your business and its insurance needs.

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