---
title: "CFC vs Corgi: Crime Insurance"
description: "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."
canonical: "https://spot.insure/compare/cfc-vs-corgi/crime"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "cfc-vs-corgi"
provider-a: "cfc"
provider-b: "corgi"
coverage-line: "crime"
---

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

## Agent Guide

**What this page is:** Focused comparison of CFC 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 CFC versus Corgi. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Crime Insurance. Providers: CFC 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:**
- [CFC vs Corgi](https://spot.insure/compare/cfc-vs-corgi) — all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — how this coverage works
- [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile
- [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile

# 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 startups moving customer funds with illustrated crime limits; CFC packages crime but excludes California-domiciled and U.S. public companies.

## CFC vs Corgi Crime Insurance Summary

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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [2](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") [6](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups")

## 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](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [3](https://www.cfc.com/en-us/products/industry/fintech/ "Fintech insurance")

### 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](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

### 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](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure")

### 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](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [7](https://www.corgi.insure/disclaimers "Disclaimers") [5](https://www.cfc.com/en-us/claims/ "Claims") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

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

- Get the issuing entity on both quotes; Corgi’s crime page does not name which affiliated carrier writes a given policy. [7](https://www.corgi.insure/disclaimers "Disclaimers") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")
- Confirm whether Corgi’s discovery period after termination is included. [6](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups")

## CFC vs Corgi Crime Insurance Compared

| 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. [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: 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. [6](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 | CFC's brochure describes company crime cover including employee theft, funds transfer fraud, and credit card and currency fraud. [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Brochure's 'Crime cover' description; the issued policy wording determines the actual insuring agreements and any sub-limits..)<br><br>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. [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: Brochure's 'Crime cover' description..)<br><br>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](https://www.cfc.com/en-us/products/industry/fintech/ "Fintech insurance") [1](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") (Evidence: Company-reported; scope: 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. [6](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. [6](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. [6](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 | 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](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [2](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") (Evidence: Company-reported; scope: 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. [6](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 CFC and Corgi and Crime Insurance

- [CFC company profile](https://spot.insure/insurance-providers/cfc) · [CFC customer reviews](https://spot.insure/insurance-providers/cfc/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 CFC vs Corgi Crime Insurance

- [CFC vs Corgi](https://spot.insure/compare/cfc-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.
- [CFC Crime Insurance](https://spot.insure/insurance-providers/cfc/crime)
- [Corgi Crime Insurance](https://spot.insure/insurance-providers/corgi/crime)

## Sources for CFC vs Corgi Crime Insurance

### Sources About CFC

1. [Management liability — United States product brochure](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf). CFC; Crime cover; At a glance: What we like; What we decline; What else is in the policy?. Accessed 2026-09-23.
2. [Management liability](https://www.cfc.com/en-us/products/class/management-liability/). CFC; Our management liability products: Management liability, Side A DIC. Accessed 2026-09-23.
3. [Fintech insurance](https://www.cfc.com/en-us/products/industry/fintech/). CFC; What does CFC's fintech policy cover? Crime coverage for employee infidelity and third-party fraud. Accessed 2026-09-23.
4. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
5. [Claims](https://www.cfc.com/en-us/claims/). CFC; Notify a claim or cyber incident; We're in it with you. Accessed 2026-09-23.

### Sources About Corgi

6. [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.
7. [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.

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