Chubb vs 
Corgi: How Do They Compare for Crime Insurance?
Corgi positions its standalone Crime & Fidelity for fintechs and payroll companies that move customer funds, with an illustrative $1,000,000 limit; Chubb includes crime in its ForeFront Portfolio, which targets organizations under 250 employees on Chubb Marketplace.
Chubb ForeFront targets firms below 250 employees and $50 million in revenue; Corgi targets fintechs, payroll companies and marketplaces moving customer funds, with an illustrative $1 million limit. 1,3
What Are the Key Differences Between Chubb and Corgi Crime Insurance?
Named Crime Agreements and Standalone Startup Form
Corgi’s policy reimburses a company for money stolen through employee dishonesty, computer fraud, social engineering and funds-transfer fraud. Chubb’s crime sheet also includes employee theft, client theft and unreimbursed transfer fraud. Choose Chubb if your business fits its under-250-employee and under-$50-million-revenue target and you want digital binding; choose Corgi if your fintech, payroll company or marketplace moves customer funds and needs a standalone form. 3 1 2
Discovery Trigger and Published Dollars
Corgi’s form is written on a discovery basis, 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. Chubb’s product sheet does not publish specific crime limits or retentions and does not describe a discovery trigger. 3 1
Who It Is For and How You Bind
Chubb Marketplace’s ForeFront appetite is organizations with fewer than 250 employees and less than $50 million in revenue, with digital quoting and binding. Corgi positions Crime & Fidelity for fintechs, payroll companies and marketplaces that move customer funds, often required by sponsor banks, and says it can issue a binder the same day with quotes in under 10 minutes. 2 3
Named Agreements and Issuers
Chubb lists social-engineering fraud, employee theft including temporary and contracted workers, client theft, and funds-transfer fraud unreimbursed by the insured’s bank, and names ACE American and Chubb affiliates. Corgi’s disclaimers say coverage may be underwritten by Corgi Insurance Company, Inc. or Technology Risk Retention Group, Inc. 1 3 4
What Should You Confirm in Chubb and Corgi Crime Insurance Quotes?
- Ask Corgi whether social-engineering is at the $250,000 sublimit and which affiliated carrier writes the policy. 3 4
- Confirm you fit Chubb’s ForeFront size band and ask for crime limits the sheet does not publish. 2 1
- Confirm whether Corgi’s discovery period after termination is included. 3
- Ask Chubb whether temporary and contracted workers are included on employee theft. 1
Chubb vs Corgi Crime Insurance Compared
Chubb vs Corgi: Crime Insurance: documented features by provider
| Criteria | Chubb ForeFront Portfolio Crime Insurance | Corgi Crime & Fidelity |
|---|---|---|
| Who It’s For | On Chubb Marketplace, the ForeFront Portfolio's target underwriting appetite is organizations with fewer than 250 employees and less than $50 million in revenue. 1Company-reported. Online Ease section; applies to Marketplace-quoted ForeFront business generally, not exclusively Crime coverage. | 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. 3Company-reported. 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 | The ForeFront Portfolio, including Crime coverage, is available on Chubb Marketplace, Chubb's platform for quoting, binding and issuing business digitally. 1,2Company-reported. Online Ease section; agents and brokers use Marketplace to place the policy. | 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. 3Company-reported. FAQ marketing claims on the product page; quote and bind speed are not independently verified. |
| Coverage Features | Chubb lists social engineering fraud, employee theft (including temporary and contracted workers), client theft of a client's money or property by an employee, and funds transfer fraud for losses from fraudulent electronic transfers unreimbursed by the insured's bank. 1Company-reported. Crime Risks: Real & Rising list; illustrated with claim scenarios, not policy wording. | 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. 3Company-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. 3Company-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. 3Company-reported. Product-page glossary and FAQ description of form CORG-CRM-0100. |
| Role in This Line | Chubb underwrites Crime Insurance as one of seven coverage parts within its ForeFront Portfolio for private companies, not-for-profit and healthcare organizations, insuring against theft and embezzlement by trusted employees and outsiders. 1Company-reported. ForeFront Portfolio Crime Insurance product sheet. | 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. 3Company-reported. Product page for form CORG-CRM-0100, last reviewed by Corgi on April 24, 2026 per the page itself. |
| Issuing Insurer | Chubb's Crime Insurance product sheet states that insurance is provided by ACE American Insurance Company and its U.S.-based Chubb underwriting company affiliates. 1Company-reported. Product sheet insurer-disclosure footer; product and jurisdiction can still change which Chubb affiliate issues a given policy. | 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. 4Company-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. |
