CFC vs 
Corgi: How Do They Compare for Crime Insurance?
Corgi sells Crime & Fidelity standalone to startups, with an illustrative $1,000,000 limit and online quotes in under 10 minutes; CFC includes company and client crime in its US Management Liability package, with a dedicated claims adjuster per claim.
Corgi targets fintechs, payroll companies and marketplaces moving customer funds, with an illustrative $1 million limit and $250,000 social-engineering sublimit; CFC excludes California-domiciled and U.S. public companies. 1,2,6
What Are the Key Differences Between CFC and Corgi Crime Insurance?
Standalone Form Versus a Package Section
Corgi sells a standalone first-party Crime & Fidelity policy for startups that move customer funds. CFC packages crime with US Management Liability and separately includes employee-infidelity and third-party-fraud cover in a fintech package. Choose Corgi if your fintech, payroll company or marketplace moves customer funds and a standalone policy matters; choose CFC if you meet its company eligibility and want crime in management liability. 6 1 3
Trigger, Limits and Social Engineering
Corgi’s form is written on a discovery basis, so coverage attaches when a loss is discovered during the policy period, with an optional discovery period of up to one year after termination. Its illustrative structure is $1,000,000 per occurrence and aggregate with a $10,000 retention; social-engineering fraud is commonly sublimited to $250,000 and conditioned on out-of-band verification of vendor-wire changes. CFC’s brochure does not publish crime limits or retentions, and it does not describe a discovery trigger or that sublimit. 6 1
Who Each Product Speaks To
Corgi positions Crime & Fidelity for fintechs, payroll companies and marketplaces that move customer funds, noting sponsor banks and Banking-as-a-Service partners often require it. CFC’s brochure lists California-domiciled business and US publicly traded companies among declined risks for the management package that carries crime. 6 1
Buying Path and Issuers
Corgi says it can issue coverage and a binder the same day, with instant quotes in under 10 minutes online. CFC provides a US claim-notification route and a dedicated adjuster, not a same-day online binder for this line. Corgi’s disclaimers say coverage may be underwritten through affiliated or partner carriers, including Corgi Insurance Company, Inc. or Technology Risk Retention Group, Inc. CFC’s regulatory page does not name the issuer for a given US crime policy. 6 7 5 4
What Should You Confirm in CFC and Corgi Crime Insurance Quotes?
CFC vs Corgi Crime Insurance Compared
CFC vs Corgi: Crime Insurance: documented features by provider
| Criteria | CFC Crime | Corgi Crime & Fidelity |
|---|---|---|
| Who It’s For | CFC's brochure lists California-domiciled business and US publicly traded companies among the risks it declines for the package that carries this crime coverage. 1Company-reported. Brochure's 'What we decline' list; underwriting still applies to any individual business. | 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. 6Company-reported. 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 | CFC's brochure describes company crime cover including employee theft, funds transfer fraud, and credit card and currency fraud. 1Company-reported. Brochure's 'Crime cover' description; the issued policy wording determines the actual insuring agreements and any sub-limits. The brochure also lists client crime, meaning fraud by clients or their staff, and on-premises and off-premises theft, as part of the crime section. 1Company-reported. Brochure's 'Crime cover' description. CFC separately sells crime coverage for employee infidelity and third-party fraud within its fintech package. The reviewed pages do not state whether that fintech crime coverage is the same crime coverage sold inside the management-liability package. 3,1Company-reported. Fintech product page compared against the management-liability brochure; both accessed 2026-09-23. This does not establish overlap or difference in wording between the two products. | 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. 6Company-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 out-of-band verification controls for changes to vendor wire instructions. 6Company-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. 6Company-reported. Product-page glossary and FAQ description of form CORG-CRM-0100. |
| Role in This Line | CFC includes crime coverage inside its US Management Liability package. The reviewed management-liability materials do not offer it as a standalone product within that package. 1,2Company-reported. Management-liability product page and brochure; package composition as CFC describes it. | 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. 6Company-reported. Product page for form CORG-CRM-0100, last reviewed by Corgi on April 24, 2026 per the page itself. |
