---
title: "Coalition vs Corgi: Crime Insurance"
description: "Coalition offers crime up to $10 million per line to eligible private and nonprofit organizations; Corgi targets fintechs, payroll companies and marketplaces moving customer funds with a $1 million illustrative limit and same-day binder."
canonical: "https://spot.insure/compare/coalition-vs-corgi/crime"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "coalition-vs-corgi"
provider-a: "coalition"
provider-b: "corgi"
coverage-line: "crime"
---

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

## Agent Guide

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

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

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

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

Corgi positions crime for fintechs, payroll companies and marketplaces that move customer funds, with an illustrative $1,000,000 limit and online quotes; Coalition crime is sold only through appointed brokers, with limits up to $10 million that may be available.

Coalition advertises up to $10 million per line for eligible private or nonprofit buyers; Corgi offers startups an online quote under 10 minutes and same-day binder.

## Coalition vs Corgi Crime Insurance Summary

Coalition offers crime up to $10 million per line to eligible private and nonprofit organizations; Corgi targets fintechs, payroll companies and marketplaces moving customer funds with a $1 million illustrative limit and same-day binder. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups")

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

### Crime Limits and Corgi’s Startup Sublimit

Coalition says Executive Risks, including crime, may offer up to $10 million per coverage line. Corgi’s illustrative policy shows a $1 million per-occurrence and aggregate limit with a $10,000 retention; social-engineering fraud is commonly sublimited to $250,000 when out-of-band vendor-wire checks are documented. Coalition describes crime as theft, fraud and certain cybercrime, subject to exclusions. Choose Coalition if your private or nonprofit organization needs a higher stated crime limit and can buy through an appointed broker; choose Corgi if your startup moves customer funds and the illustrated limits meet its sponsor-bank requirement. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [3](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups")

### Discovery Trigger and Who Can Buy

Corgi’s form is written on a discovery basis, with an optional discovery period of up to one year after termination, and is positioned for fintechs, payroll companies and marketplaces that move customer funds. Coalition says Executive Risks, including crime, is available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees, and up to $500 million in plan assets. Coalition’s crime description is theft, fraud and certain cybercrimes, subject to exclusions and limitations; it does not describe a discovery trigger on the reviewed pages. [3](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

### Issuers and Buying Path

Coalition’s disclaimer names Zurich American Insurance Company as the admitted carrier and says Coalition Insurance Solutions, Inc. also places Executive Risks with unaffiliated non-admitted insurers. Corgi’s disclaimers say coverage may be underwritten through Corgi Insurance Company, Inc. or Technology Risk Retention Group, Inc. Corgi says it can issue a binder the same day with quotes in under 10 minutes; Coalition sells only through appointed brokers. [2](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [4](https://www.corgi.insure/disclaimers "Disclaimers") [3](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

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

- Ask Coalition whether the crime limit is the $10 million maximum and whether the placement is admitted Zurich paper or non-admitted. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [2](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")
- Ask Corgi whether social-engineering is at the $250,000 sublimit and which affiliated carrier writes the policy. [3](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [4](https://www.corgi.insure/disclaimers "Disclaimers")

## Coalition vs Corgi Crime Insurance Compared

| Criteria | Coalition Executive Risks — Crime Insurance | Corgi Crime & Fidelity |
| --- | --- | --- |
| Limits and Retentions | Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including crime, subject to exclusions and limitations. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant..) | 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. [3](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 | Coalition says Executive Risks products, including crime, are available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees, and up to $500 million in plan assets. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks FAQ as read on 2026-09-23..) | 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. [3](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 | Coalition distributes Executive Risks, including crime, only through appointed insurance brokers rather than direct to buyers. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks product page as read on 2026-09-23..) | 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. [3](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 | Coalition says its crime coverage responds to losses from criminal activities including theft, fraud, and certain cybercrimes, flagged on the page as subject to exclusions and limitations. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks product page as read on 2026-09-23; the issued policy controls which cybercrime scenarios are actually covered..) | 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. [3](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. [3](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. [3](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 | Coalition designs and distributes crime insurance as one of four coverages in its Executive Risks product suite, sold through appointed brokers. [1](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks product page as read on 2026-09-23..) | 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. [3](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 | Coalition's disclaimer names Zurich American Insurance Company (NAIC 16535) as the admitted carrier for Executive Risks, and says Coalition Insurance Solutions, Inc. also places Executive Risks with unaffiliated insurers on a non-admitted basis, so the carrier for a specific crime policy depends on the placement route. [2](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") (Evidence: Company-reported; scope: U.S. Disclaimers page as read on 2026-09-23..) | 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. [4](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..) |

## About Coalition and Corgi and Crime Insurance

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

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

## Sources for Coalition vs Corgi Crime Insurance

### Sources About Coalition

1. [Executive Risks](https://www.coalitioninc.com/executive-risks-insurance). Coalition; Product Offering: Crime — covers losses that result from various criminal activities, including theft, fraud, and certain cybercrimes* (exclusions and limitations apply; see disclaimers and the policy as issued); FAQ: What type of businesses do you protect?, What limits do you offer?, What resources do you have for policyholders?. Accessed 2026-09-23.
2. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). Coalition; Admitted Executive Risk: insurance products offered by Coalition Insurance Solutions, Inc. acting on behalf of unaffiliated insurance companies and, on an admitted basis, on behalf of Zurich American Insurance Company (NAIC # 16535). Accessed 2026-09-23.

### Sources About Corgi

3. [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.
4. [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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