Corgi vs 
Cowbell: How Do They Compare for Crime Insurance?
Corgi sells a startup crime policy with online quotes in under 10 minutes; Cowbell's crime module, underwritten by Zurich, targets private companies under 250 employees and $50M in assets and is open only to appointed Zurich E&S wholesalers, not sold directly to businesses.
Corgi targets fintechs, payroll companies and marketplaces moving customer funds; Cowbell targets private companies below 250 employees and $50 million in assets through appointed wholesalers. 1,3,4
What Are the Key Differences Between Corgi and Cowbell Crime Insurance?
Corgi gives fintechs, payroll companies and marketplaces that move customer funds an online application with quotes in under 10 minutes and a same-day binder. Cowbell sells its Zurich Select Plus module only through appointed wholesalers; its targets are private companies under 250 employees and $50 million in assets. Choose Corgi if your company moves customer funds and needs an online quote; choose Cowbell if your private firm fits those size caps and already works with an appointed wholesaler. 3 1
Standalone Policy Versus a Select Plus Module
Corgi sells Crime & Fidelity as a standalone startup policy. Crime on Cowbell’s platform is one module inside Zurich’s Select Plus management-liability product: Cowbell operates the platform and Zurich underwrites the module. 1 3 4
Fintech Funds Versus SME Headcount
Corgi aims Crime & Fidelity at fintechs, payroll companies and marketplaces that move customer funds, noting it is frequently required by sponsor banks and Banking-as-a-Service partners. Cowbell targets the crime module at private companies with under 250 employees and under $50 million in assets, across Select Plus target industries. 1 3
How Coverage Is Described
Corgi’s standard form bundles employee dishonesty, social-engineering fraud, computer fraud and funds-transfer fraud, plus forgery, with social-engineering fraud commonly sublimited to $250,000 when out-of-band vendor-wire controls are documented. Cowbell describes crime as protecting against theft, fraud and embezzlement by employees or third parties. 1 3
What Should You Confirm in Corgi and Cowbell Crime Insurance Quotes?
- Compare Corgi’s illustrative $1 million occurrence and aggregate limit and $10,000 retention with the Select Plus quote. Cowbell’s reviewed pages do not publish crime limits. 1 3 4
- Get the insurer named on each quote. Corgi’s crime page does not name which affiliated or partner carrier underwrites a given Crime & Fidelity policy. Cowbell and Zurich say Select Plus crime is written on Zurich admitted paper and do not state that Zurich American Insurance Company is the module’s issuer. 2 3 4
- Confirm Corgi’s discovery basis and out-of-band wire-control condition on the declarations. 1
Corgi vs Cowbell Crime Insurance Compared
Corgi vs Cowbell: Crime Insurance: documented features by provider
| Criteria | Corgi Crime & Fidelity | Cowbell / Zurich Select Plus Crime Coverage |
|---|---|---|
| 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. | Cowbell targets this crime module at private companies with under 250 employees and under $50M in assets, across the same target industries listed for the broader Select Plus product. 3Company-reported. FAQ 'What size accounts are targeted?' and Target industries list. |
| 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. | This crime module is accessed only by appointed Zurich E&S wholesalers through the Cowbell platform's API; it is not sold directly to businesses. 3Company-reported. FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'. |
| 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. | Cowbell describes crime coverage as protecting against losses resulting from criminal acts such as theft, fraud, and embezzlement committed by employees or third parties. 3Company-reported. FAQ 'What is the difference between management liability and D&O?'. |
| 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. | Crime coverage is one module within Cowbell's distribution of Zurich's Select Plus management liability product; Cowbell operates the platform, Zurich underwrites the module. Zurich's own page lists 'Crime Insurance' as one of the four modules a buyer can combine. 3,4Company-reported. Management liability page intro and module list; Zurich page module-name section. |
| 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. 2Company-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. | Cowbell and Zurich both say the Select Plus modules, including crime, are written on Zurich admitted paper. Zurich's site footer names 'Zurich American Insurance Company' in its copyright notice, but neither page states that entity is the specific policy issuer for this module. 3,4Company-reported. Management liability page intro; Zurich page intro and footer. |
