---
title: "Beazley vs Corgi Crime Insurance"
description: "Beazley writes Commercial Crime up to $25 million for commercial companies; Corgi sells a discovery-basis $1 million Crime & Fidelity form for fintechs with same-day binders."
canonical: "https://spot.insure/compare/beazley-vs-corgi/crime"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Beazley vs Corgi Crime Insurance

Beazley writes Commercial Crime up to $25 million for commercial companies; Corgi sells a discovery-basis $1 million Crime & Fidelity form for fintechs with same-day binders.

## Research Scope and Use

Use this comparison to evaluate Beazley 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

Beazley underwrites Commercial Crime for ordinary commercial companies with advertised limits up to US $25 million. Corgi sells Crime & Fidelity as a standalone startup policy on a discovery basis, with an illustrative $1 million limit and $10,000 retention, aimed at fintechs, payroll companies and marketplaces, and says it can issue a binder the same day. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [11](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups")

## What Is Beazley?

Beazley is a specialty insurance group whose MediaTech product combines technology and professional E&O, media and cyber coverage. Separate offerings address executive liability, digital health and other specialty risks. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [2](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care")

[Beazley profile](https://spot.insure/insurance-providers/beazley)

## 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. [6](https://www.corgi.insure/disclaimers "Disclaimers") [7](https://www.corgi.insure "Corgi Insurance homepage") [8](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [9](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [10](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. [12](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Crime Insurance

### Commercial Underwriting Versus Startup Form

Beazley underwrites Commercial Crime for ordinary commercial companies, not financial institutions. Corgi sells Crime & Fidelity as a standalone startup policy positioned primarily for fintechs, payroll companies and marketplaces that move customer funds, often because sponsor banks or Banking-as-a-Service partners require it before go-live. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [11](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups")

### Limit Illustrations

Beazley advertises Commercial Crime limits of up to US $25,000,000. 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 commonly sublimited to $250,000 against that aggregate when out-of-band vendor-wire controls are documented. Beazley also conditions fraudulent-instruction cover on out-of-band authentication of payment instructions, without publishing a $250,000 social-engineering sublimit. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [11](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups")

### Discovery Basis and Speed

Corgi’s 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. Corgi says it can issue coverage and a binder the same day, with instant quotes in under 10 minutes online. Beazley lists standalone Crime, Massachusetts-specific Crime and Social Engineering applications among Tools & Resources rather than a same-day online binder claim. [11](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity")

### Issuing Entities

Corgi’s disclaimers say coverage may be underwritten through affiliated or partner carriers, including Corgi Insurance Company, Inc. or Technology Risk Retention Group, Inc. Beazley’s Commercial Crime page describes Beazley as the underwriter of the product. [6](https://www.corgi.insure/disclaimers "Disclaimers") [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity")

## What to Confirm in Crime Insurance Quotes

- Ask Corgi which entity underwrites Crime & Fidelity and whether the $250,000 social-engineering sublimit applies. [6](https://www.corgi.insure/disclaimers "Disclaimers") [11](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups")
- Ask Beazley for the bound limit versus the $25 million advertised maximum. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity")
- Confirm discovery versus other triggering language on both forms. [11](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity")
- If a sponsor bank requires crime, ask which form the bank will accept. [11](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity")

## Offering Details

| Criteria | Beazley Commercial Crime | Corgi Crime & Fidelity |
| --- | --- | --- |
| Role in This Line | Beazley underwrites Commercial Crime insurance for commercial companies. The same product page separately describes Financial Fidelity Bonds, a related but distinct product line for financial institutions. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Crime and Fidelity product page; distinguishes the commercial-company product from the financial-institution fidelity bond described on the same 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. [11](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 | Not described in the reviewed sources. | 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. [6](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 | Beazley markets Commercial Crime to ordinary commercial companies, not to banks or other financial institutions, which it addresses separately through Financial Fidelity Bonds. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Product page target-customer language; no industry list or size threshold is published..) | 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. [11](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 | Beazley says Commercial Crime protects an organization from loss of money and securities caused by theft by its own employees, plus third-party-related losses such as forgery or alteration, on-premises and in-transit loss, money-order and counterfeit-currency fraud, computer fraud, client-property loss, credit-card fraud and related expense coverage. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Product-page description of insuring agreements; exclusions, conditions and available sub-limits appear only in the issued policy..)<br><br>Beazley says its Commercial Crime policy includes a fraudulent-instruction (social-engineering) insuring agreement covering losses from wire transfers made on instructions from someone posing as a vendor, client or authorized employee, and that this cover is conditioned on out-of-band authentication of payment instructions. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Product-page description; Beazley says the out-of-band-authentication condition can be removed for insureds with documented controls and response plans, subject to an additional premium..) | 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. [11](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. [11](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. [11](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 | Beazley advertises Commercial Crime limits of up to US $25,000,000. The page does not publish retentions, sub-limits by insuring agreement, or a minimum limit. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Product-page headline limit figure; the page does not split the figure between Commercial Crime and Financial Fidelity Bonds..) | 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. [11](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..) |
| Risk Services | Beazley says its underwriting and claims professionals for this line work side by side so that, when a claim arises, the original underwriting intent of the policy is respected. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Company-stated internal process description; no independent claims-handling outcome data is provided..) | Not described in the reviewed sources. |
| How to Apply | Beazley lists a standalone Crime application, a Massachusetts-specific Crime application and a separate Social Engineering application among its Tools & Resources, distinct from the Financial Fidelity Bond application forms on the same page. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Tools & Resources section of the product page; the page does not describe an online quote or self-service purchase flow..) | 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. [11](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..) |
| Claims Support | The product page links to Beazley's general claim-notification channel for this line. It does not disclose a claims response-time commitment or a dedicated claims-handling process specific to Commercial Crime. [5](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Not publicly disclosed; scope: Product page "Notify a Claim" link as read on 2026-09-23; response times were not found..) | Not described in the reviewed sources. |

## Full Comparison

- [Beazley vs Corgi](https://spot.insure/compare/beazley-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.
- [Beazley vs Corgi Cyber Insurance](https://spot.insure/compare/beazley-vs-corgi/cyber)
- [Beazley vs Corgi D&O Insurance](https://spot.insure/compare/beazley-vs-corgi/directors-officers)
- [Beazley vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-corgi/employment-practices)
- [Beazley vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/beazley-vs-corgi/fiduciary)
- [Beazley vs Corgi General Liability Insurance](https://spot.insure/compare/beazley-vs-corgi/general-liability)
- [Beazley vs Corgi Hired and Non-Owned Auto Insurance](https://spot.insure/compare/beazley-vs-corgi/hired-non-owned-auto)
- [Beazley vs Corgi Media Liability Insurance](https://spot.insure/compare/beazley-vs-corgi/media)
- [Beazley vs Corgi Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-corgi/medical-malpractice)
- [Beazley vs Corgi Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-corgi/professional-errors-omissions)
- [Beazley vs Corgi Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-corgi/representations-warranties)
- [Beazley vs Corgi Tech E&O Insurance](https://spot.insure/compare/beazley-vs-corgi/technology-errors-omissions)
- [Alliance Risk vs Beazley Crime Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/crime)
- [Alliance Risk vs Corgi Crime Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/crime)
- [Beazley vs CFC Crime Insurance](https://spot.insure/compare/beazley-vs-cfc/crime)
- [Beazley vs Chubb Crime Insurance](https://spot.insure/compare/beazley-vs-chubb/crime)
- [Beazley vs Coalition Crime Insurance](https://spot.insure/compare/beazley-vs-coalition/crime)
- [Beazley vs Coverdash Crime Insurance](https://spot.insure/compare/beazley-vs-coverdash/crime)

## Sources

### Beazley

1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; How can we help; SME placement paragraph; Tools & Resources. Accessed 2026-09-16.
2. [Legal Information](https://www.beazley.com/en-us/legal-information-en/). Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
3. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; ExecuGuard product introduction: combined EPL, D&O and fiduciary coverage for private organizations; What we offer: separate or shared limits, admitted or non-admitted; How can we help. Accessed 2026-09-16.
4. [Virtual Care](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care). Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
5. [Crime and Fidelity](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime). Beazley; What we offer: Commercial Crime for commercial companies; fraudulent-instruction/social-engineering insuring agreement and out-of-band authentication condition; Limits up to US $25,000,000; How can we help; Tools & Resources application forms. Accessed 2026-09-23.

### Corgi

6. [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.
7. [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.
8. [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.
9. [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.
10. [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.
11. [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

12. [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.

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