---
title: "Corgi vs Coverdash Crime Insurance"
description: "Corgi underwrites a discovery-basis Crime & Fidelity form with a $1 million illustration; Coverdash brokers commercial crime digitally without published limits."
canonical: "https://spot.insure/compare/corgi-vs-coverdash/crime"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Corgi vs Coverdash Crime Insurance

Corgi underwrites a discovery-basis Crime & Fidelity form with a $1 million illustration; Coverdash brokers commercial crime digitally without published limits.

## Research Scope and Use

Use this comparison to evaluate Corgi and Coverdash for Crime Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Corgi sells Crime & Fidelity as a standalone startup policy on a discovery basis, with an illustrative $1 million limit and $10,000 retention. Coverdash arranges commercial crime as a broker, describes a digital quote-to-purchase path, and does not name an insurer or publish limits on the crime page. [6](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [9](https://www.coverdash.com/terms "Terms And Conditions") [10](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance")

## What Is Corgi Insurance?

Corgi Insurance sells commercial coverage to technology startups through stage-based packages (pre-seed and seed, Series A, and growth stage) that combine general liability, directors and officers, technology E&O, cyber, and related lines, alongside a growing small-business product line for other industries. Coverage may be issued by Corgi’s own risk retention group, an affiliated admitted carrier, or a partner insurer, so the issuing entity and available protections depend on the specific product and state. [1](https://www.corgi.insure/disclaimers "Disclaimers") [2](https://www.corgi.insure "Corgi Insurance homepage") [3](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [4](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [5](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups")

[Corgi profile](https://spot.insure/insurance-providers/corgi)

## What Is Coverdash Insurance?

Coverdash is an insurance brokerage and digital platform for small businesses, startups and e-commerce sellers. Buyers can compare quotes, purchase policies and manage coverage directly or through an embedded partner service. [7](https://www.coverdash.com/faq "Frequently Asked Questions") [8](https://www.coverdash.com/about "About Us") [9](https://www.coverdash.com/terms "Terms And Conditions")

[Coverdash profile](https://spot.insure/insurance-providers/coverdash)

## What Is Crime Insurance?

Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. [12](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Crime Insurance

### 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. [6](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [9](https://www.coverdash.com/terms "Terms And Conditions") [10](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance")

### 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. [6](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [10](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance")

### 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. [6](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [10](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance")

### 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. [6](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [1](https://www.corgi.insure/disclaimers "Disclaimers") [10](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance") [11](https://www.coverdash.com/coverage "Coverage Hub")

## What to Confirm in Crime Insurance Quotes

- Ask Corgi which entity underwrites Crime & Fidelity and whether the $250,000 social-engineering sublimit applies. [1](https://www.corgi.insure/disclaimers "Disclaimers") [6](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups")
- Get Coverdash’s issuing carrier and actual limit; those are not on the crime page. [10](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance")
- Confirm discovery versus occurrence or loss-sustained wording on Coverdash’s placed form against Corgi’s discovery basis. [6](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [10](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance")
- Ask how Coverdash would coordinate crime and cyber if both respond to funds-transfer fraud. [11](https://www.coverdash.com/coverage "Coverage Hub")

## Offering Details

| Criteria | Corgi Crime & Fidelity | Coverdash Commercial Crime Insurance |
| --- | --- | --- |
| 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. [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..) | Coverdash arranges commercial crime coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. [9](https://www.coverdash.com/terms "Terms And Conditions") [10](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance") (Evidence: Company-reported; scope: General brokerage terms applied to the crime page; not specific to any one carrier or state..) |
| Issuing Insurer | 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. [1](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..) | The commercial crime page does not name the insurer that issues the policy. [10](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance") (Evidence: Not publicly disclosed; scope: Reviewed commercial crime page as of 2026-09-23; the page describes coverage without naming a specific carrier..) |
| 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. [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..) | Coverdash markets commercial crime coverage to any business that handles money, payroll or valuable inventory. [10](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance") (Evidence: Company-reported; scope: Product-page eligibility description; actual acceptance depends on underwriting..) |
| 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. [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 documented 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..) | 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. [10](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance") (Evidence: Company-reported; scope: Product-page coverage cards; the issued policy and declarations control actual wording, limits and exclusions..)<br><br>Coverdash's coverage hub lists commercial crime separately from cyber insurance, even though both can respond to funds-transfer fraud and social-engineering losses; the two pages do not state how overlapping claims are coordinated between policies. [10](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance") (Evidence: Not found in reviewed sources; scope: Comparison of the cyber and crime-coverage product pages; overlap-resolution language was not found on either page..) |
| Limits and Retentions | 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. [6](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..) | The commercial crime page does not publish specific limit, retention or deductible amounts. [10](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance") (Evidence: Not publicly disclosed; scope: Reviewed commercial crime page as of 2026-09-23; figures are quote-specific and not shown on the public product page..) |
| 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. [6](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..) | Coverdash describes a fully digital quote-to-purchase process for commercial crime coverage, with the option to add other coverages alongside it. [10](https://www.coverdash.com/coverage/crime-coverage "Commercial Crime Insurance") (Evidence: Company-reported; scope: Product-page company information and cross-sell section..) |

## Full Comparison

- [Corgi vs Coverdash](https://spot.insure/compare/corgi-vs-coverdash): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance can help recover business losses from specified theft and fraud, including employee theft, forgery and payment fraud.
- [Corgi vs Coverdash Business Owner’s Policy](https://spot.insure/compare/corgi-vs-coverdash/business-owners-policy)
- [Corgi vs Coverdash Cargo and Transit Insurance](https://spot.insure/compare/corgi-vs-coverdash/cargo-transit)
- [Corgi vs Coverdash Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-coverdash/commercial-auto)
- [Corgi vs Coverdash Cyber Insurance](https://spot.insure/compare/corgi-vs-coverdash/cyber)
- [Corgi vs Coverdash D&O Insurance](https://spot.insure/compare/corgi-vs-coverdash/directors-officers)
- [Corgi vs Coverdash Employment Practices Liability Insurance](https://spot.insure/compare/corgi-vs-coverdash/employment-practices)
- [Corgi vs Coverdash Fiduciary Liability Insurance](https://spot.insure/compare/corgi-vs-coverdash/fiduciary)
- [Corgi vs Coverdash General Liability Insurance](https://spot.insure/compare/corgi-vs-coverdash/general-liability)
- [Corgi vs Coverdash Liquor Liability Insurance](https://spot.insure/compare/corgi-vs-coverdash/liquor-liability)
- [Corgi vs Coverdash Media Liability Insurance](https://spot.insure/compare/corgi-vs-coverdash/media)
- [Corgi vs Coverdash Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-coverdash/professional-errors-omissions)
- [Corgi vs Coverdash Representations and Warranties Insurance](https://spot.insure/compare/corgi-vs-coverdash/representations-warranties)
- [Corgi vs Coverdash Tech E&O Insurance](https://spot.insure/compare/corgi-vs-coverdash/technology-errors-omissions)
- [Corgi vs Coverdash Umbrella and Excess Liability Insurance](https://spot.insure/compare/corgi-vs-coverdash/umbrella-excess)
- [Corgi vs Coverdash Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-coverdash/workers-compensation)
- [Alliance Risk vs Corgi Crime Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/crime)
- [Alliance Risk vs Coverdash Crime Insurance](https://spot.insure/compare/alliance-risk-vs-coverdash/crime)
- [Beazley vs Corgi Crime Insurance](https://spot.insure/compare/beazley-vs-corgi/crime)
- [Beazley vs Coverdash Crime Insurance](https://spot.insure/compare/beazley-vs-coverdash/crime)
- [CFC vs Corgi Crime Insurance](https://spot.insure/compare/cfc-vs-corgi/crime)
- [CFC vs Coverdash Crime Insurance](https://spot.insure/compare/cfc-vs-coverdash/crime)

## Sources

### Corgi

1. [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.
2. [Corgi Insurance homepage](https://www.corgi.insure). Corgi Insurance Services, Inc.; Product packages: Cyber and Directors & Officers; Growth Stage and Custom Package; Self-Serve (apply, get quoted in minutes, bind same-day) and Book a Demo paths; Explore Our Main Policies: Commercial General Liability, Crime Insurance, Fiduciary Liability, Hired and Non-Owned Auto (HNOA), Worker’s Compensation; Specialized coverages: Employment Practices Liability (EPLI), K&R (Kidnap & Ransom), Representations and Warranties; Commercial Umbrella Liability; Business Owners Policy (BOP); Coverage sales cards: Media Liability, Medical Malpractice, Miscellaneous E&O; Core Operations: Tech E&O Insurance; Tech & AI Liability product module; Transportation menu: Auto Liability, Contractual Liability Insurance - Cargo; FAQ on cost, claims, and binding; footer entity, program-administrator and issuing-carrier notices. Accessed 2026-09-16.
3. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
4. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
5. [Insurance Topics: Risk Retention Groups](https://content.naic.org/insurance-topics/risk-retention-groups). National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15.
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.

### Coverdash

7. [Frequently Asked Questions](https://www.coverdash.com/faq). Coverdash; Getting a quote & buying coverage; Claims & certificates; Billing & managing your policy; About Coverdash. Accessed 2026-09-15.
8. [About Us](https://www.coverdash.com/about). Coverdash; How Coverdash Works: direct and embedded channels; Our Investors. Accessed 2026-09-15.
9. [Terms And Conditions](https://www.coverdash.com/terms). Coverdash; "Coverdash does not provide any underwriting services"; broker/agent of record designation. Accessed 2026-09-23.
10. [Commercial Crime Insurance](https://www.coverdash.com/coverage/crime-coverage). Coverdash; Product introduction; Types of Coverage cards for Employee theft, Forgery and fraud, Funds transfer fraud, Social engineering; Who It's For. Accessed 2026-09-23.
11. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Cyber & Crime category listing Cyber Insurance, Crime Coverage and Kidnap & Ransom. Accessed 2026-09-23.

### Crime Insurance Guide

12. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16.

Updated 2026-09-23. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/corgi-vs-coverdash/crime.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)