What Are the Key Differences Between Corgi and Heffernan Insurance Brokers Medical Malpractice Insurance?
One Policy Versus a Whole Healthcare Program
Corgi’s malpractice product covers claims that you were negligent in delivering medical services, and nothing on its pages ties it to other lines. Heffernan places malpractice with carriers as part of a single program that can also hold workers’ compensation, professional liability and cyber, so one broker handles every policy. Choose Corgi if you only need a malpractice policy and want to deal with an online insurer; choose Heffernan if you run a clinic, lab or senior-living operation that needs several healthcare lines arranged together. [3] [5]
Who Each Is Built For
Corgi aims this product at healthcare professionals and organizations, apart from its core technology-startup lineup. Heffernan’s healthcare team names physician groups, clinics, hospitals, patient transport companies and laboratories, plus allied health, home care, senior living and nonprofit healthcare groups. [1] [5]
Captives and Self-Insurance
If you are large enough to retain some of your own risk, only Heffernan documents it: it offers captive, partially self-insured and fully self-insured structures beside fully insured placements. Corgi’s reviewed pages mention no such option, so expect a conventional insured policy there. [5] [3]
What Should You Confirm in Corgi and Heffernan Insurance Brokers Medical Malpractice Insurance Quotes?
- Ask Corgi which insurer issues the policy; its disclosures say coverage may come from an affiliated carrier or a partner, without naming one for malpractice. [2]
- Ask Heffernan whether the proposal is fully insured or a captive or self-insured structure, and which carrier backs the insured part. [5]
- Get limits, retentions and the claims-made or occurrence trigger in writing from both; neither publishes them. [1] [5]