---
title: "Alliance Risk vs Corgi Crime Insurance"
description: "Alliance Risk brokers crime with endorsement-based client-property cover; Corgi sells a discovery-basis Crime & Fidelity form with published $1 million / $10,000 figures."
canonical: "https://spot.insure/compare/alliance-risk-vs-corgi/crime"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/alliance-risk-vs-corgi/crime)

# Alliance Risk vs Corgi Crime Insurance

Alliance Risk brokers crime with endorsement-based client-property cover; Corgi sells a discovery-basis Crime & Fidelity form with published $1 million / $10,000 figures.

## Research Scope and Use

Use this comparison to evaluate Alliance Risk and Corgi for Crime Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Alliance Risk places crime as a brokerage without published limits or a named insurer. Corgi sells Crime & Fidelity as a standalone startup policy on a discovery basis, with an illustrative $1 million limit and $10,000 retention, and commonly sublimits social engineering to $250,000 when out-of-band vendor-wire controls are documented. [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [4](https://joinalliancerisk.com/coverages/ "Alliance Products") [10](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups")

## What Is Alliance Risk?

Alliance Risk describes itself as an independent commercial insurance brokerage serving complex businesses, including technology startups. Its offering includes technology E&O placement and review of existing policies. [1](https://joinalliancerisk.com/about-us/ "About Us") [2](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance")

[Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk)

## 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. [5](https://www.corgi.insure/disclaimers "Disclaimers") [6](https://www.corgi.insure "Corgi Insurance homepage") [7](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [8](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [9](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups")

[Corgi profile](https://spot.insure/insurance-providers/corgi)

## What Is Crime Insurance?

Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Crime Insurance

### Placement Versus Startup Policy

Alliance Risk arranges crime insurance as a brokerage and describes the coverage it places rather than an Alliance-issued policy. Corgi sells Crime & Fidelity as a standalone startup policy, describing it as first-party coverage that pays the company back when money (not data) is stolen through employee theft, social engineering, computer fraud, forgery or funds-transfer fraud. [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [10](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups")

### Discovery Timing

Corgi’s Crime & Fidelity policy is written on a discovery basis: coverage attaches when a loss is discovered during the policy period regardless of when the dishonest act occurred, with an optional discovery period of up to one year after termination. Alliance Risk says its crime coverage excludes losses not discovered during the policy period, which is a different public description of timing. [10](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")

### Limits, Social Engineering and Paper

Corgi’s illustrative structure shows a $1,000,000 per-occurrence and aggregate limit with a $10,000 self-insured retention, and social-engineering fraud is commonly sublimited to $250,000 against that aggregate, conditioned on documented out-of-band verification for vendor-wire changes. Alliance Risk publishes typical premium ranges but not specific limits, sublimits or retentions. Corgi’s disclaimers say coverage may be underwritten through affiliated or partner carriers, including Corgi Insurance Company, Inc. or Technology Risk Retention Group, Inc. Alliance Risk’s crime page does not name an issuing insurer. [10](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [5](https://www.corgi.insure/disclaimers "Disclaimers") [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")

### Who It Is For and How Fast You Bind

Corgi positions Crime & Fidelity primarily for fintechs, payroll companies and marketplaces that move customer funds, often because sponsor banks or Banking-as-a-Service partners require it, and says it can issue coverage and a binder the same day with instant quotes in under 10 minutes online. Alliance Risk lists cash-handling businesses, accounting teams, nonprofits with volunteer oversight, and finance, retail, healthcare or logistics, without describing a same-day online bind. [10](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")

## What to Confirm in Crime Insurance Quotes

- Ask Corgi which entity underwrites the Crime & Fidelity policy and whether the social-engineering sublimit and out-of-band condition apply. [5](https://www.corgi.insure/disclaimers "Disclaimers") [10](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups")
- Confirm Alliance Risk’s discovery wording on the issued form versus Corgi’s discovery-basis policy and optional post-termination reporting period. [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [10](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups")
- Get Alliance Risk’s limit and retention in dollars; only premium ranges appear on the public page. [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")
- If a bank or BaaS partner requires crime, ask whether Corgi’s startup form or an Alliance Risk placement is what the partner will accept. [10](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")

## Offering Details

| Criteria | Alliance Risk Crime Insurance | Corgi Crime & Fidelity |
| --- | --- | --- |
| Role in This Line | Alliance Risk arranges crime insurance placements as a brokerage; the crime page describes the coverage it places rather than an Alliance-issued policy. [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [4](https://joinalliancerisk.com/coverages/ "Alliance Products") (Evidence: Company-reported; scope: Crime product page and the general brokerage disclosure on the coverage catalogue page..) | Corgi sells Crime & Fidelity as a standalone startup policy, describing it as first-party coverage that pays the company back when money (not data) is stolen through employee theft, social engineering, computer fraud, forgery or funds-transfer fraud. [10](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") (Evidence: Company-reported; scope: Product page for form CORG-CRM-0100, last reviewed by Corgi on April 24, 2026 per the page itself..) |
| Issuing Insurer | The crime insurance page does not name an issuing insurer or carrier for the coverage. [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") (Evidence: Not publicly disclosed; scope: Crime product page as read on 2026-09-23..) | Corgi's disclaimers say coverage may be underwritten through affiliated or partner carriers, including Corgi Insurance Company, Inc. (an admitted carrier) or Technology Risk Retention Group, Inc.; the crime product page itself does not name which entity underwrites a given Crime & Fidelity policy. [5](https://www.corgi.insure/disclaimers "Disclaimers") (Evidence: Company-reported; scope: General carrier-financial-strength disclosure that applies across Corgi's product lines, not a crime-specific underwriter statement; your policy names the actual insurer..) |
| Who It’s For | Alliance Risk lists businesses that handle cash, payments or sensitive data, companies with accounting, billing or procurement teams, nonprofits with volunteer financial oversight, and organizations in finance, retail, healthcare or logistics as common crime insurance buyers. [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Crime product page, Who Needs Crime Insurance? section..) | Corgi positions Crime & Fidelity primarily for fintechs, payroll companies and marketplaces that move customer funds, noting it is frequently required by sponsor banks and Banking-as-a-Service (BaaS) partners before a fintech can go live. [10](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") (Evidence: Company-reported; scope: Industry-applicability section of the product page; other startups can also buy the policy, and eligibility for any given business depends on underwriting..) |
| Coverage Features | Alliance Risk's crime insurance page covers employee theft and embezzlement, forgery or alteration of checks or documents, fraudulent electronic funds transfer, social engineering fraud and impersonation, and burglary, robbery and safe burglary, with theft of client property available by endorsement. [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Crime product page, What Does Crime Insurance Cover? section; actual policy structure depends on the carrier and the policy as issued..)<br><br>Alliance Risk says its crime coverage excludes business income loss from crime unless endorsed, cyber breach or hacking (which it says falls under a cyber policy instead), losses not discovered during the policy period, and dishonest acts by company owners or partners. [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Crime product page, What Doesn't Crime Insurance Cover? section..) | The standard policy bundles four insuring agreements: employee dishonesty, social engineering fraud (business email compromise), computer fraud, and funds transfer fraud, plus forgery and alteration of checks or drafts. [10](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") (Evidence: Company-reported; scope: Coverage summary for form CORG-CRM-0100; the illustrated scenarios are examples, not a guarantee of coverage for a specific claim, and the issued policy controls..)<br><br>Social engineering fraud (business email compromise) is commonly sublimited to $250,000 against the $1 million policy aggregate, and Corgi conditions the sublimit on documented out-of-band verification controls for changes to vendor wire instructions. [10](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") (Evidence: Company-reported; scope: Product-page scenario notes and FAQ; the exact sublimit and required controls are underwriting-dependent and confirmed on the declarations page..)<br><br>Corgi's Crime & Fidelity policy is written on a discovery basis, meaning coverage attaches when a loss is discovered during the policy period regardless of when the underlying dishonest act occurred, and it offers an optional discovery period of up to one year after termination to report a loss. [10](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") (Evidence: Company-reported; scope: Product-page glossary and FAQ description of form CORG-CRM-0100..) |
| Limits and Retentions | Alliance Risk's crime page gives typical annual premium ranges ($500-$2,000 for small businesses up to $10,000-$50,000+ for large enterprises) but does not publish specific coverage limits, sublimits or retentions. [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") (Evidence: Not publicly disclosed; scope: Crime product page as read on 2026-09-23..) | Corgi's illustrative Crime & Fidelity structure shows a $1,000,000 per-occurrence and aggregate limit across its insuring agreements, with a $10,000 self-insured retention per occurrence. [10](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") (Evidence: Company-reported; scope: Illustrative policy structure on the product page ('Anatomy of a $1M / $1M / $10K Crime & Fidelity Policy'); actual limits and retentions appear on the declarations and Corgi says standard limits scale with payment volume for growth-stage and at-scale companies..) |
| How to Apply | Not described in the reviewed sources. | Corgi says it can issue Crime & Fidelity coverage and a binder the same day, and offers instant quotes in under 10 minutes through its online application. [10](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") (Evidence: Company-reported; scope: FAQ marketing claims on the product page; quote and bind speed are not independently verified..) |

## Full Comparison

- [Alliance Risk vs Corgi](https://spot.insure/compare/alliance-risk-vs-corgi): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance can help recover business losses from specified theft and fraud, including employee theft, forgery and payment fraud.
- [Alliance Risk vs Corgi Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-corgi/business-owners-policy)
- [Alliance Risk vs Corgi Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/cargo-transit)
- [Alliance Risk vs Corgi Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/commercial-auto)
- [Alliance Risk vs Corgi Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/cyber)
- [Alliance Risk vs Corgi D&O Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/directors-officers)
- [Alliance Risk vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/employment-practices)
- [Alliance Risk vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/fiduciary)
- [Alliance Risk vs Corgi General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/general-liability)
- [Alliance Risk vs Corgi Liquor Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/liquor-liability)
- [Alliance Risk vs Corgi Media Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/media)
- [Alliance Risk vs Corgi Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/professional-errors-omissions)
- [Alliance Risk vs Corgi Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/technology-errors-omissions)
- [Alliance Risk vs Corgi Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/umbrella-excess)
- [Alliance Risk vs Corgi Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/workers-compensation)
- [Alliance Risk vs Beazley Crime Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/crime)
- [Alliance Risk vs CFC Crime Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/crime)
- [Alliance Risk vs Chubb Crime Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/crime)
- [Alliance Risk vs Coalition Crime Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/crime)
- [Alliance Risk vs Coverdash Crime Insurance](https://spot.insure/compare/alliance-risk-vs-coverdash/crime)
- [Beazley vs Corgi Crime Insurance](https://spot.insure/compare/beazley-vs-corgi/crime)

## Sources

### Alliance Risk

1. [About Us](https://joinalliancerisk.com/about-us/). Alliance Risk; Our Story. Accessed 2026-09-16.
2. [Tech E&O Insurance](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/). Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16.
3. [Crime Insurance](https://joinalliancerisk.com/crime-insurance/). Alliance Risk; What Is Crime Insurance?; Who Needs Crime Insurance?; What Does Crime Insurance Cover?; What Doesn't Crime Insurance Cover?; How Much Does Crime Insurance Cost?. Accessed 2026-09-23.
4. [Alliance Products](https://joinalliancerisk.com/coverages/). Alliance Risk; Footer brokerage disclosure: "Alliance Risk is an insurance brokerage focused on providing clients with commercial insurance across a wide array of industries.". Accessed 2026-09-23.

### Corgi

5. [Disclaimers](https://www.corgi.insure/disclaimers). Corgi Insurance; Carrier Financial Strength: 'Coverage may be underwritten through affiliated or partner carriers, including Corgi Insurance Company, Inc. ... Certain coverages may also be underwritten by Technology Risk Retention Group, Inc.'. Accessed 2026-09-23.
6. [Corgi Insurance homepage](https://www.corgi.insure). Corgi Insurance Services, Inc.; Product packages: Cyber and Directors & Officers; Growth Stage and Custom Package; Self-Serve (apply, get quoted in minutes, bind same-day) and Book a Demo paths; Explore Our Main Policies: Commercial General Liability, Crime Insurance, Fiduciary Liability, Hired and Non-Owned Auto (HNOA), Worker’s Compensation; Specialized coverages: Employment Practices Liability (EPLI), K&R (Kidnap & Ransom), Representations and Warranties; Commercial Umbrella Liability; Business Owners Policy (BOP); Coverage sales cards: Media Liability, Medical Malpractice, Miscellaneous E&O; Core Operations: Tech E&O Insurance; Tech & AI Liability product module; Transportation menu: Auto Liability, Contractual Liability Insurance - Cargo; FAQ on cost, claims, and binding; footer entity, program-administrator and issuing-carrier notices. Accessed 2026-09-16.
7. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
8. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
9. [Insurance Topics: Risk Retention Groups](https://content.naic.org/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.
10. [Crime & Fidelity Insurance for Startups](https://www.corgi.insure/crime). Corgi Insurance; What's Actually Inside Your Crime & Fidelity Policy (form CORG-CRM-0100); Anatomy of a $1M/$1M/$10K policy; Scenario notes; Industry Applicability & Compliance; FAQ. Accessed 2026-09-23.

### Crime Insurance Guide

11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/alliance-risk-vs-corgi/crime.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)