The Baldwin Group vs Corgi: How Do They Compare for Crime Insurance?

The source describes The Baldwin Group’s brokerage or advisory role for Commercial Crime. It does not identify Baldwin as the risk-bearing insurer for a particular placement. ^3,4Company-reported. The cited company page describes its brokerage/advisory role and does not name the issuer for a buyer-specific placement.

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. ¹⁰Company-reported. Product page for form CORG-CRM-0100, last reviewed by Corgi on April 24, 2026 per the page itself.

Confirm in your quote.

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. ⁵Company-reported. General carrier-financial-strength disclosure that applies across Corgi's product lines, not a crime-specific underwriter statement; your policy names the actual insurer.

Baldwin’s professional-services and real-estate pages identify firms and property organizations as clients whose programs may include crime coverage. This does not determine an applicant’s underwriting eligibility. ^3,4Company-reported. This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability.

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. ¹⁰Company-reported. Industry-applicability section of the product page; other startups can also buy the policy, and eligibility for any given business depends on underwriting.

Baldwin lists commercial crime or crime/fidelity as insurance options for the cited commercial sectors. It does not describe a specific crime policy, covered loss trigger, limit or exclusion. ^3,4Company-reported. The statement reports Baldwin’s marketed coverage or advisory description only. No individual quote, binder, policy form, schedule or endorsement was reviewed; policy entitlement and terms remain unknown.

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. ¹⁰Company-reported. 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.

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. ¹⁰Company-reported. Product-page scenario notes and FAQ; the exact sublimit and required controls are underwriting-dependent and confirmed on the declarations page.

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. ¹⁰Company-reported. Product-page glossary and FAQ description of form CORG-CRM-0100.

The reviewed source does not state a buyer-specific limit, retention, deductible or coverage schedule. Confirm the quote and issued policy or bond. ^3,4Not publicly disclosed. No buyer quote, binder, policy or bond form was available in the reviewed public sources.

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. ¹⁰Company-reported. 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.

Baldwin describes tailored commercial risk guidance, policy planning and claims advocacy for the named practices. It does not claim to adjudicate a carrier’s crime-policy claim. ^3,4Company-reported. These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established.

Confirm in your quote.

Confirm in your quote.

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. ¹⁰Company-reported. FAQ marketing claims on the product page; quote and bind speed are not independently verified.