---
title: "Beazley vs Corgi: Crime Insurance"
description: "Beazley writes Commercial Crime for established commercial companies with limits up to $25 million using downloadable application forms. Corgi sells a startup Crime & Fidelity policy, illustrated at $1 million with a $10,000 retention, for fintechs, payroll companies and marketplaces, with online quotes and same-day binders."
canonical: "https://spot.insure/compare/beazley-vs-corgi/crime"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "beazley-vs-corgi"
provider-a: "beazley"
provider-b: "corgi"
coverage-line: "crime"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

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

## Agent Guide

**What this page is:** Focused comparison of Beazley and Corgi for Crime Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Crime Insurance questions about Beazley versus Corgi. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Beazley vs Corgi for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Beazley or Corgi?
- What does Beazley or Corgi publish about Crime Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Crime Insurance. Providers: Beazley and Corgi.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [Beazley vs Corgi](https://spot.insure/compare/beazley-vs-corgi) — all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — how this coverage works
- [Beazley profile](https://spot.insure/insurance-providers/beazley) — provider profile
- [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile

# Beazley vs Corgi: How Do They Compare for Crime Insurance?

Aimed at fintechs, payroll companies and marketplaces, Corgi's standalone Crime & Fidelity policy comes with quotes in under 10 minutes and an illustrative $1,000,000 limit; Beazley underwrites commercial crime for commercial companies, advertising limits up to $25 million.

Beazley's Commercial Crime is for established commercial companies needing limits up to $25 million; Corgi's Crime & Fidelity is a $1 million startup policy for fintechs that moves from quote to binder the same day.

## Beazley vs Corgi Crime Insurance Summary

Beazley writes Commercial Crime for established commercial companies with limits up to $25 million using downloadable application forms. Corgi sells a startup Crime & Fidelity policy, illustrated at $1 million with a $10,000 retention, for fintechs, payroll companies and marketplaces, with online quotes and same-day binders. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [2](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups")

## What Are the Key Differences Between Beazley and Corgi Crime Insurance?

### Built for Fintech Go-Live vs Larger Commercial Programs

Corgi positions its policy for companies that move customer funds, often because a sponsor bank or Banking-as-a-Service partner requires crime cover before launch, and says it quotes online in under 10 minutes and can bind the same day. Beazley markets Commercial Crime to ordinary commercial companies (banks go to its separate fidelity bonds) and lists downloadable Crime and Social Engineering applications rather than an online quote. Choose Corgi if you are a fintech, payroll or marketplace startup that needs proof of crime cover this week; choose Beazley if you need more than a $1 million limit or cover for client property, in-transit loss and credit-card fraud. [2](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity")

### How Much Limit You Can Get

Beazley advertises limits up to $25 million but publishes no retentions or sublimits. Corgi's illustration is $1 million per occurrence and aggregate with a $10,000 retention, and it says limits scale with payment volume as you grow. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [2](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups")

### Wire-Fraud Cover Depends on Your Controls

Both tie social-engineering cover to out-of-band checks on payment instructions. Corgi commonly sublimits it to $250,000 inside the $1 million aggregate and requires documented verification of vendor wire changes. Beazley conditions its fraudulent-instruction agreement on out-of-band authentication but says the condition can be removed, for an extra premium, if you document controls and response plans. [2](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity")

## What Should You Confirm in Beazley and Corgi Crime Insurance Quotes?

- Ask Corgi for the social-engineering sublimit on your quote and which entity issues it; its disclaimers name Corgi Insurance Company, Inc. or Technology Risk Retention Group, Inc. as possible insurers. [2](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://www.corgi.insure/disclaimers "Disclaimers")
- Ask Beazley for the retention and any sublimits behind the $25 million headline, and the price of removing the out-of-band condition. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity")
- Corgi's form is written on a discovery basis with an optional one-year extended reporting window; confirm the trigger on Beazley's form. [2](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity")
- If a sponsor bank requires crime cover, ask it which limit and form it will accept before you bind. [2](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups")

## Beazley vs Corgi Crime Insurance Compared

| Criteria | Beazley Commercial Crime | Corgi Crime & Fidelity |
| --- | --- | --- |
| 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. [1](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. [2](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..) |
| 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. [1](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. [2](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..) |
| 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. [1](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. [2](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..) |
| 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. [1](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. [1](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. [2](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 out-of-band verification controls for changes to vendor wire instructions. [2](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. [2](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..) |
| 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. [1](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. [2](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..) |

## About Beazley and Corgi and Crime Insurance

- [Beazley company profile](https://spot.insure/insurance-providers/beazley) · [Beazley customer reviews](https://spot.insure/insurance-providers/beazley/reviews)
- [Corgi company profile](https://spot.insure/insurance-providers/corgi) · [Corgi customer reviews](https://spot.insure/insurance-providers/corgi/reviews)
- [What Is Crime Insurance?](https://spot.insure/coverage/crime)

## Related Pages for Beazley vs Corgi Crime Insurance

- [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 addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms.
- [Beazley Crime Insurance](https://spot.insure/insurance-providers/beazley/crime)
- [Corgi Crime Insurance](https://spot.insure/insurance-providers/corgi/crime)

## Sources for Beazley vs Corgi Crime Insurance

### Sources About Beazley

1. [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.

### Sources About Corgi

2. [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.
3. [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.

Updated 2026-09-29. 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/beazley-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)