---
title: "Corgi vs Embroker: Crime Insurance"
description: "Corgi targets fintechs, payroll firms and marketplaces moving customer funds, with standalone coverage illustrated at $1 million; smaller businesses can add Embroker crime to a BOP or D&O policy."
canonical: "https://spot.insure/compare/corgi-vs-embroker/crime"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "corgi-vs-embroker"
provider-a: "corgi"
provider-b: "embroker"
coverage-line: "crime"
---

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

## Agent Guide

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

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

**Key facts:**
- Line: Crime Insurance. Providers: Corgi and Embroker.
- 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 Embroker](https://spot.insure/compare/corgi-vs-embroker) — 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
- [Embroker profile](https://spot.insure/insurance-providers/embroker) — provider profile

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

Both sell standalone crime. Corgi shows an illustrative $1,000,000 limit with a $10,000 amount you pay first on each loss, for fintech-style buyers; Embroker publishes no standard limits and prices on employee count, revenue and financial controls.

Corgi offers standalone Crime & Fidelity for startups moving customer funds; Embroker sells standalone crime or a BOP/D&O add-on for smaller firms.

## Corgi vs Embroker Crime Insurance Summary

Corgi targets fintechs, payroll firms and marketplaces moving customer funds, with standalone coverage illustrated at $1 million; smaller businesses can add Embroker crime to a BOP or D&O policy. [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies")

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

A sponsor bank’s fidelity requirement may make Corgi’s startup focus useful; Embroker gives smaller businesses an additional way to buy crime as an endorsement. Embroker also lists exclusions for income loss and some coordinated executive crime, which deserve a direct check against your exposure. [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies")

### Standalone Startup Form Versus Policy or Endorsement

Corgi sells standalone Crime & Fidelity to fintechs, payroll companies and marketplaces that move customer funds. Embroker sells standalone crime and says smaller businesses may add it to a BOP or directors and officers policy. Choose Corgi if your fintech or payroll business needs standalone crime for customer funds; choose Embroker if you are a smaller business adding crime to a BOP or D&O policy. [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies")

### What Each Page Says Is In and Out

Corgi’s standard policy bundles employee dishonesty, social-engineering fraud, computer fraud, funds-transfer fraud, and forgery or alteration. Embroker lists employee theft (including shoplifting, embezzlement and larceny), third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social-engineering fraud, and says the policy excludes loss of income, indirect losses, crimes by executives or partners in coordination with employees, third-party liabilities from crime losses, and cybercrime losses involving stolen patents, trade secrets or customer lists. Corgi’s reviewed crime page does not publish that exclusion list. [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies")

### Numbers and Fidelity Bonds

Corgi illustrates $1 million occurrence and aggregate with a $10,000 retention and a common $250,000 social-engineering sublimit. Embroker says pricing depends on headcount, locations, revenue, office security and financial controls, that fidelity bonds typically cost 0.5% to 2% of bond value, and it does not publish standard policy limits. Embroker also distinguishes fidelity bonds from crime insurance: it says a crime policy typically carries higher limits, while a fidelity bond can reimburse customers. [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies")

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

- Ask Embroker whether crime is standalone or a BOP or D&O endorsement, and whether listed exclusions apply. [3](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies")

## Corgi vs Embroker Crime Insurance Compared

| Criteria | Corgi Crime & Fidelity | Embroker Commercial Crime Insurance |
| --- | --- | --- |
| 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. [1](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..) | Embroker says crime insurance pricing depends on factors like employee count and locations, revenue, office security measures and financial controls, and that fidelity bonds typically cost 0.5% to 2% of the bond value; it does not publish standard policy limits. [3](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page 'What does Commercial Crime insurance cost?' section..) |
| 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..) | Embroker points to businesses that hire part-time staff, handle cash transactions, manage inventory or expensive equipment, or handle customer data and digital transactions as more exposed and more likely to need the coverage. [3](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page 'Who benefits most' section; not a formal underwriting appetite statement..) |
| 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..) | Embroker lists coverage for employee theft (including shoplifting, embezzlement and larceny), third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social engineering fraud. [3](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page What's covered section; the issued policy and declarations control..)<br><br>Embroker says the policy excludes loss of income, indirect losses, crimes committed by executives or partners in coordination with employees, third-party liabilities from crime losses, and cybercrime losses involving stolen patents, trade secrets or customer lists. [3](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page What's not included section..)<br><br>Embroker distinguishes fidelity bonds from crime insurance: it says a crime policy typically carries higher limits, while a fidelity bond can reimburse customers who suffer crime-related damages. [3](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page FAQ comparing fidelity bonds and 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. [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..) | Embroker sells commercial crime as a standalone policy and says smaller businesses sometimes add crime coverage as an endorsement to a BOP or a directors and officers policy instead. [3](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page description; not a statement about the issuing insurer..) |

## About Corgi and Embroker and Crime Insurance

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

## Related Pages for Corgi vs Embroker Crime Insurance

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

## Sources for Corgi vs Embroker 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 Embroker

3. [Commercial Crime Insurance: Coverage & Policies](https://www.embroker.com/coverage/commercial-crime-insurance/). Embroker; Why it's essential; Who needs this coverage; What is Commercial Crime insurance?; What's covered; What's not included; What's the difference between Fidelity Bonds and Commercial Crime insurance?; What does Commercial Crime insurance cost?. 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-embroker/crime.md)
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- [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)