Corgi vs Heffernan: Cargo and Transit Insurance

Heffernan Insurance Brokers runs a marine cargo program for freight forwarders and customs brokers with in-house underwriting authority; Corgi offers per-load cargo for trucking operators, bound one haul at a time.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-09-29

Corgi fits trucking operators who need a certificate for a single haul; Heffernan fits freight forwarders and customs brokers seeking a cargo claims team and shipment portal.

Source material

  1. 01
    Motor Truck Cargo Legal Liability Coverage

    American Association of Insurance Services, Inc.; hosted by National Unity · Coverage and Property Covered pp.1–2; Perils Excluded pp.6–7; Valuation p.8; How Much We Pay p.9; Transit definition p.13 · accessed 2026-09-16

  2. 02
    Commercial Insurance Guide

    California Department of Insurance · Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent · accessed 2026-09-16

  3. 03
    Corgi Insurance: Startup Insurance, Quoted in Minutes

    Corgi Insurance · Site-wide navigation link to trucking.corgi.insure, the separate trucking-insurance property that hosts the Auto Liability and Per-Load Cargo product pages · accessed 2026-09-23

  4. 04
    Per-Load Cargo Insurance | Corgi Trucking Insurance

    Corgi Trucking (trucking.corgi.insure) · Page title and meta/OpenGraph description: 'Per-load cargo insurance that can replace or supplement your annual policy. Quote, bind, and get your COI in minutes.' · accessed 2026-09-23

  5. 05
    Marine Cargo

    Heffernan Insurance Brokers · Transportation Insurance Programs for Freight Forwarders and Logistics Companies; Specialty Programs list; Coverage Options; What Sets Our Programs Apart: in-house underwriting authority, exclusive access to major insurance carriers, dedicated claims division with authority to adjust, settle and issue payments; interactive online tools; contact · accessed 2026-09-23

  6. 06
    Transportation Insurance

    Heffernan Insurance Brokers · Transportation subsectors; exclusive and sponsored products including Motor Truck Cargo and Brokerage Liability and Contingent Cargo; risk management strategies; appointed with top transportation carriers; practice leader contacts · accessed 2026-09-23

  7. 07
    Shipping Options

    International Trade Administration, U.S. Department of Commerce · Export Shipping Basics; Tips on International Shipping from U.S.; Working with Freight Forwarders · accessed 2026-09-16

  8. 08
    Special Documents

    International Trade Administration, U.S. Department of Commerce · Insurance Certificate bullet · accessed 2026-09-16

What Are the Key Differences Between Corgi and Heffernan Insurance Brokers Cargo and Transit Insurance?

Per-Load Trucking Cover Versus a Forwarder Cargo Program

Corgi’s cargo product is per-load contractual liability coverage for trucking operators, offered on trucking.corgi.insure rather than its startup site. Heffernan runs a specialty marine cargo program for freight forwarders and logistics companies that it says carries in-house underwriting authority and a dedicated claims division with authority to adjust, settle and issue payments. Heffernan’s reviewed pages do not disclose the legal arrangement with its carrier partners. [4] [3] [5]

Coverage Lists

Heffernan’s cargo program lists general merchandise logistics, household goods logistics, marine cargo legal liability, errors and omissions, surety bonds and special-projects coverage, and its transportation practice lists motor truck cargo plus brokerage liability and contingent cargo. Corgi says the per-load product can replace or supplement an annual cargo policy; the reviewed metadata does not list those Heffernan coverage options. Heffernan markets the cargo program to freight forwarders, customs brokers, import/export operators and movers, and its transportation practice to trucking, final-mile, couriers, fuel haulers and towing; Corgi describes the product for trucking operators. [5] [6] [4]

How You Buy

Corgi advertises that a trucking operator can quote, bind and get a certificate of insurance in minutes. Heffernan's existing cargo policyholders manage shipments and claims through an online portal; new buyers request a quote or consultation, or call the cargo claims number. [4] [5]

What Should You Confirm in Corgi and Heffernan Insurance Brokers Cargo and Transit Insurance Quotes?

  • Ask Corgi whether the per-load product is replacing or supplementing an annual cargo policy. [4]
  • Ask Heffernan whether the quote is the marine cargo program or motor truck cargo from the transportation practice. [5] [6]
  • Ask Heffernan who has authority to adjust, settle and issue payment on a cargo claim. [5]
  • Get the issuing insurer from both quotes. [4] [5]

Coverage topics

Corgi

  • role: Corgi's cargo insurance for trucking operators is a per-load product (contractual liability cargo coverage bound one haul at a time) offered on trucking.corgi.insure, a separate site from the startup-insurance product pages on corgi.insure. Page metadata and site structure as observed on 2026-09-23. The trucking site is a JavaScript-rendered application; the reviewed pages returned only page metadata, not the full body content.company-reportedSource ↗Source ↗
  • coverage: Corgi says the per-load cargo product can replace or supplement a trucking operator's existing annual cargo policy, implying it is meant for single-haul or overflow coverage rather than as a standalone annual policy. Page metadata for trucking.corgi.insure/insurance/per-load-cargo; specific covered perils, commodity exclusions and per-load limits were not accessible in the reviewed page content.company-reportedSource ↗
  • application: Corgi advertises that a trucking operator can quote, bind and get a certificate of insurance (COI) for per-load cargo coverage in minutes. Marketing claim from page metadata; quote speed is not independently verified and is not the same as coverage being bound for a specific load.company-reportedSource ↗
  • insurer: The reviewed page content does not name the insurer or underwriting entity for per-load cargo coverage; the trucking site's disclosures were not reachable without executing its client-side application. trucking.corgi.insure/insurance/per-load-cargo as fetched on 2026-09-23. Corgi's main-site disclaimers page names Corgi Insurance Company, Inc. and Technology Risk Retention Group, Inc. as underwriters for its startup product lines, but nothing in the reviewed sources ties that disclosure to the separately branded trucking product.not-disclosedSource ↗

Heffernan Insurance Brokers

  • role: Heffernan runs a specialty marine cargo program for freight forwarders and logistics companies that it says carries in-house underwriting authority and a dedicated claims division with authority to adjust, settle and issue payments directly. That is a broader, program-administrator-style role than ordinary brokerage, and is specific to this cargo program rather than Heffernan's general business insurance brokerage. Marine Cargo page's 'What Sets Our Programs Apart' section. Does not establish that Heffernan is a licensed carrier or MGA for this program; the exact legal arrangement with its carrier partners was not disclosed.company-reportedSource ↗
  • eligibility: Heffernan markets its cargo program to freight forwarders, customs brokers, import/export operators and household-goods movers, and describes a global client base of logistics companies, forwarders and brokers. Its separate transportation practice serves trucking and logistics, final-mile delivery, couriers, fuel haulers, towing and moving and storage businesses. Marine Cargo and Transportation page descriptions of target clients and subsectors.company-reportedSource ↗Source ↗
  • coverage: Heffernan's cargo program lists general merchandise logistics, household goods logistics, marine cargo legal liability, errors and omissions, surety bonds and special-projects coverage. Its transportation practice separately lists motor truck cargo and brokerage liability and contingent cargo among its exclusive and sponsored products for trucking and logistics clients. Marine Cargo 'Coverage Options' list and Transportation 'exclusive and sponsored products' list; exclusions and policy wording are not published.company-reportedSource ↗Source ↗
  • services: Heffernan describes interactive online tools for remote declaration issuance and claim reporting, plus sales-tracking tools, for its cargo program. Its transportation practice separately lists fleet safety and training, a benchmarking system, medical triage and first aid, and a workers' compensation mod-reduction plan, along with a DOT compliance platform. Marine Cargo 'Tools for Cargo Insurance' section and Transportation risk-management and safety-services lists.company-reportedSource ↗Source ↗
  • application: Existing cargo policyholders manage shipments and claims through an online portal login; new buyers reach the program through a Request a Quote or Request a Consultation contact route, or by calling the number listed for the cargo claims team. Marine Cargo page's portal sign-in and consultation-request sections.company-reportedSource ↗
  • insurer: Heffernan says its cargo program has 'exclusive access to major insurance carriers' and that its transportation practice is 'appointed with top transportation carriers,' but neither page names a specific issuing insurer. Checked the Marine Cargo and Transportation pages on 2026-09-23. The issuing insurer would appear on the quote and declarations.not-disclosedSource ↗Source ↗

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