---
title: "Corgi vs Cowbell: Crime Insurance"
description: "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."
canonical: "https://spot.insure/compare/corgi-vs-cowbell/crime"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "corgi-vs-cowbell"
provider-a: "corgi"
provider-b: "cowbell"
coverage-line: "crime"
---

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

## Agent Guide

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

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

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

# 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 offers online Crime & Fidelity quotes for fintechs; Cowbell’s crime module targets smaller private companies and requires an appointed wholesale broker.

## Corgi vs Cowbell Crime Insurance Summary

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](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [4](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus")

## 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](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups")

### 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](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [4](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus")

### 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](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises")

### 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](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises")

## 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](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [4](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus")
- 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](https://www.corgi.insure/disclaimers "Disclaimers") [3](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [4](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus")
- Confirm Corgi’s discovery basis and out-of-band wire-control condition on the declarations. [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups")

## Corgi vs Cowbell Crime Insurance Compared

| 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. [1](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..) | 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. [3](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: 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. [1](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..) | 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. [3](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: 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. [1](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. [1](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. [1](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..) | Cowbell describes crime coverage as protecting against losses resulting from criminal acts such as theft, fraud, and embezzlement committed by employees or third parties. [3](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: 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. [1](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..) | 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](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [4](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") (Evidence: Company-reported; scope: 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. [2](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..) | 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](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [4](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") (Evidence: Company-reported; scope: Management liability page intro; Zurich page intro and footer..) |

## About Corgi and Cowbell and Crime Insurance

- [Corgi company profile](https://spot.insure/insurance-providers/corgi) · [Corgi customer reviews](https://spot.insure/insurance-providers/corgi/reviews)
- [Cowbell company profile](https://spot.insure/insurance-providers/cowbell) · [Cowbell customer reviews](https://spot.insure/insurance-providers/cowbell/reviews)
- [What Is Crime Insurance?](https://spot.insure/coverage/crime)

## Related Pages for Corgi vs Cowbell Crime Insurance

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

## Sources for Corgi vs Cowbell Crime Insurance

### Sources About Corgi

1. [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.
2. [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.

### Sources About Cowbell

3. [Management liability coverage for small & medium enterprises](https://cowbell.insure/mgmt-liability/). Cowbell; FAQ 'What is the difference between management liability and D&O?' (Crime Coverage definition); Target industries list; FAQ on access and account size. Accessed 2026-09-23.
4. [Small and Midsize Business Management Liability | Zurich Select Plus](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability). Zurich North America; Intro on the Zurich/Cowbell collaboration; module name 'Crime Insurance'; FAQ 'What is the difference between management liability and D&O?' (identical to Cowbell's page); Targeted industries list; footer copyright. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/corgi-vs-cowbell/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)