---
title: "Corgi vs Lockton: Crime Insurance"
description: "Corgi fits fintechs wanting online Crime & Fidelity and a same-day binder; Lockton serves private, public and nonprofit organizations and offers claims support through its Professional & Executive Risk team."
canonical: "https://spot.insure/compare/corgi-vs-lockton/crime"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "corgi-vs-lockton"
provider-a: "corgi"
provider-b: "lockton"
coverage-line: "crime"
---

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

## Agent Guide

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

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

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

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

Corgi's standalone crime policy for startups comes with proof of coverage it says it can issue the same day; Lockton places crime and fidelity as a brokered program for nonprofit, private and public organizations of any sector.

Corgi offers fintechs online Crime & Fidelity with same-day binders; Lockton serves organizations across sectors and names a dedicated crime claims team.

## Corgi vs Lockton Crime Insurance Summary

Corgi fits fintechs wanting online Crime & Fidelity and a same-day binder; Lockton serves private, public and nonprofit organizations and offers claims support through its Professional & Executive Risk team. [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

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

Lockton distinguishes financial-institution bonds from general crime coverage and names a Professional & Executive Risk Claims team; Corgi sells a same-day online Crime & Fidelity policy for startups moving customer funds. Choose Lockton if your financial institution needs a bond or you want a broker claims team; choose Corgi if you are a fintech, payroll firm or marketplace needing standalone startup cover. [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups")

### Same-Day Startup Policy Versus Brokered Program

Corgi sells Crime & Fidelity as a standalone startup policy and says it can issue a binder the same day from an online application. Lockton places Crime and Fidelity as a brokered program protecting against theft, fraud, forgery and embezzlement; Lockton does not underwrite. [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")


### Fintech Form Versus FI Bond Distinction

Corgi aims the policy at fintechs, payroll companies and marketplaces and writes it on a discovery basis with an illustrative $1 million limit. Lockton says crime is relevant to nonprofit, private and public organizations of any sector, flags small businesses that lack audit resources, and notes financial institutions are frequently required to carry a financial institution bond distinct from general crime. [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

### Claim Types and Paper

Lockton lists employee theft, forgery, theft on or off premises, computer fraud, counterfeit currency and social-engineering impersonation. Corgi bundles employee dishonesty, social engineering, computer fraud, funds-transfer fraud and forgery, with a common $250,000 social-engineering sublimit. Corgi’s disclaimers name possible underwriters; Lockton’s page does not name placing insurers. [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [2](https://www.corgi.insure/disclaimers "Disclaimers")

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

- Ask Lockton whether you need a financial institution bond rather than general crime; Corgi’s product is Crime & Fidelity for startups, not that bond. [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups")
- Get Lockton’s placing insurer and limit; compare with Corgi’s $1 million illustration. [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups")
- Confirm discovery wording on Corgi against Lockton’s placed form. [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")
- Ask how Lockton’s claims team would handle a social-engineering loss versus Corgi’s documented out-of-band control condition. [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups")

## Corgi vs Lockton Crime Insurance Compared

| Criteria | Corgi Crime & Fidelity | Lockton Crime and Fidelity Insurance Brokerage |
| --- | --- | --- |
| 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..) | Lockton says crime coverage is relevant to nonprofit, private and public organizations of any sector, and calls out small businesses as particularly exposed because they often lack fraud-prevention and auditing resources. It also notes financial institutions are frequently required to carry a financial institution bond, distinct from general crime coverage. [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Crime and Fidelity product page as read 2026-09-23..) |
| 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..) | Lockton lists the claim types a crime and fidelity program is meant to address: employee theft, forgery or alteration of negotiable instruments, theft on or off premises, computer fraud, counterfeit currency, and social engineering (impersonation) fraud involving customers, vendors or employees. [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Product page as read 2026-09-23; a capability/claim-type list, not a specimen policy..) |
| 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..) | Lockton places Crime and Fidelity insurance to protect businesses against financial losses from theft, fraud, forgery and embezzlement by employees or third parties; it describes this as a brokered program, not a policy Lockton underwrites. [3](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Crime and Fidelity product page as read 2026-09-23..) |

## About Corgi and Lockton and Crime Insurance

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

## Related Pages for Corgi vs Lockton Crime Insurance

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

## Sources for Corgi vs Lockton 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 Lockton

3. [Crime and Fidelity Insurance](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance). Lockton; What is Crime and Fidelity Insurance?; Who needs to purchase Crime and Fidelity Insurance?; Types of Crime and Fidelity claims; Claims management. 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.

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