Corgi vs Coverdash: How Do They Compare for Crime Insurance?

Corgi positions standalone crime for fintechs, payroll companies and marketplaces moving customer funds, with an illustrative $1,000,000 limit; Coverdash is a broker with digital quote-to-purchase for businesses handling money, payroll or valuable inventory.

Corgi targets fintechs, payroll firms and marketplaces moving customer funds, with an illustrative $1 million limit and $10,000 retention; Coverdash offers digital crime quotes without a published limit. ^1,^4,³

What Are the Key Differences Between Corgi and Coverdash Crime Insurance?

Corgi’s crime form uses a discovery trigger and illustrates $1 million per occurrence and aggregate with a $10,000 retention; Coverdash publishes neither crime limits nor trigger language. Choose Corgi if a sponsor bank or Banking-as-a-Service partner requires crime coverage for your fintech; choose Coverdash if you want its digital broker purchase route and can assess the actual form. ¹ ³

Startup Form Versus Brokered Placement

Corgi sells Crime & Fidelity as first-party coverage that pays the company back when money is stolen through employee theft, social engineering, computer fraud, forgery or funds-transfer fraud. Coverdash arranges commercial crime as a broker rather than an insurer, placing coverage with a carrier under its brokerage terms. ¹ ⁴ ³

Discovery Trigger and Illustrated Numbers

Corgi’s form is written on a discovery basis, so coverage attaches when a loss is discovered during the period, with an optional one-year discovery period after termination. Corgi’s illustration shows $1 million per occurrence and aggregate and a $10,000 retention, with social-engineering fraud commonly sublimited to $250,000 when out-of-band vendor-wire controls are documented. Coverdash’s crime page does not publish limits, retentions or trigger language. ¹ ³

Fintech Mandate Versus Money-Handlers

Corgi positions the product for fintechs, payroll companies and marketplaces that move customer funds, often because sponsor banks or Banking-as-a-Service partners require it. Coverdash markets commercial crime to any business that handles money, payroll or valuable inventory. ¹ ³

Speed and Issuers

Corgi says it can issue coverage and a binder the same day, with online quotes in under 10 minutes, and disclaimers name Corgi Insurance Company, Inc. or Technology Risk Retention Group, Inc. as possible underwriters. Coverdash describes a fully digital quote-to-purchase process and does not name the crime insurer. Coverdash’s hub lists crime separately from cyber without saying how overlapping funds-transfer claims are coordinated. ¹ ² ³ ⁵

What Should You Confirm in Corgi and Coverdash Crime Insurance Quotes?

Confirm discovery versus occurrence or loss-sustained wording on Coverdash’s placed form against Corgi’s discovery basis. ¹ ³

Corgi vs Coverdash Crime Insurance Compared

Corgi vs Coverdash: Crime Insurance: documented features by provider

Criteria	Corgi Crime & Fidelity	Coverdash Commercial Crime Insurance
Who It’s For	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. ¹Company-reported. Industry-applicability section of the product page; other startups can also buy the policy, and eligibility for any given business depends on underwriting.	Coverdash markets commercial crime coverage to any business that handles money, payroll or valuable inventory. ³Company-reported. Product-page eligibility description; actual acceptance depends on underwriting.
How to Apply	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. ¹Company-reported. FAQ marketing claims on the product page; quote and bind speed are not independently verified.	Coverdash describes a fully digital quote-to-purchase process for commercial crime coverage, with the option to add other coverages alongside it. ³Company-reported. Product-page company information and cross-sell section.
Coverage Features	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. ¹Company-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. ¹Company-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. ¹Company-reported. Product-page glossary and FAQ description of form CORG-CRM-0100.	Coverdash describes commercial crime coverage as protecting against employee theft of money, property or assets, forged checks and counterfeit currency, fraudulent funds-transfer instructions, and losses when an employee is tricked by social engineering into sending funds to a bad actor. ³Company-reported. Product-page coverage cards; the issued policy and declarations control actual wording, limits and exclusions.
Role in This Line	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. ¹Company-reported. Product page for form CORG-CRM-0100, last reviewed by Corgi on April 24, 2026 per the page itself.	Coverdash arranges commercial crime coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. ^4,³Company-reported. General brokerage terms applied to the crime page; not specific to any one carrier or state.