Corgi vs 
Marsh: How Do They Compare for Crime Insurance?
Corgi targets startups and other firms moving customer funds, with an illustrative $1,000,000 limit and online quotes; Marsh says its team has handled complex crime placements of about $10 million to $110 million, through advisor-led engagement.
Corgi targets fintechs moving customer funds with an illustrative $1 million policy; Marsh describes complex crime placements up to $110 million and social-engineering top-ups above existing cover. 1,3
What Are the Key Differences Between Corgi and Marsh Crime Insurance?
Marsh offers social-engineering infill above an existing crime program; Corgi targets fintechs, payroll companies and marketplaces that move customer funds and says it can issue a binder the same day. Choose Marsh if you need an added social-engineering layer; choose Corgi if you need standalone crime for a funds-moving startup. 3 1 3 1
Startup Illustration Versus Tower Experience
Corgi’s anatomy of a Crime & Fidelity policy shows $1 million per occurrence and aggregate with a $10,000 retention. Marsh says its team has experience handling complex crime placements from about $10 million to $110 million, stated as placement experience rather than a quoted limit. 1 3
BaaS Requirement Versus Advisor-Led Towers
Corgi positions the policy for fintechs, payroll companies and marketplaces that move customer funds, often because a sponsor bank requires it, and offers same-day binders online. You engage Marsh crime specialists or MMA; MMA also places crime bundled with fidelity. Marsh’s reviewed pages describe advisor-led placement rather than an online quote tool. 1 3 4
Ransomware Exclusions Versus Discovery Form
Marsh lists white-collar fraud, third-party fraud, collusion, hacking, social engineering and tangible asset theft, and says crime policies usually exclude ransomware. Corgi’s form is discovery-basis with four bundled agreements and a common $250,000 social-engineering sublimit; its reviewed page does not discuss ransomware exclusions. 3 1
Who Issues the Policy
Corgi’s disclaimers name Corgi Insurance Company or Technology Risk Retention Group. Marsh’s reviewed pages do not name a crime insurer and say definitions differ across markets. 2 3
What Should You Confirm in Corgi and Marsh Crime Insurance Quotes?
- If you need limits well above Corgi’s $1 million illustration, ask Marsh whether a placement in its $10–110 million experience range applies in the U.S. 1 3
- Ask Marsh whether ransomware is excluded and whether infill social-engineering cover is quoted. 3
- Confirm Corgi’s discovery trigger, social-engineering sublimit and issuing entity. 1 2
- Get Marsh’s issuing insurer. 3
Corgi vs Marsh Crime Insurance Compared
Corgi vs Marsh: Crime Insurance: documented features by provider
| Criteria | Corgi Crime & Fidelity | Marsh Commercial Crime Insurance Brokerage |
|---|---|---|
| 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. 1Company-reported. 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. | Marsh says its team has experience handling complex crime placements ranging from about $10 million to $110 million (also stated in GBP as £10 million to £100 million elsewhere on the page), but does not publish standard limits, retentions or premiums for a specific placement. 3Company-reported. Commercial crime insurance page; a description of Marsh's placement experience range, not a quoted limit for any individual buyer. |
| 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. | You engage Marsh's crime specialists (Marsh corporate or MMA) directly to identify crime exposure and place coverage; the reviewed pages describe advisor-led placement rather than an online quote tool. 3,4Company-reported. Commercial crime insurance and MMA executive and professional liability pages. |
| 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. | Marsh lists employee white-collar fraud (including fidelity losses from trusted employees), third-party fraud, collusion, hacking or computer-related crime, social engineering fraud, and tangible asset theft as risks a commercial crime policy can address. It notes that crime policies usually exclude ransomware, though most cover direct financial losses from funds stolen by hackers. 3Company-reported. Commercial crime insurance page; the page is Marsh's global/UK financial-professional-liability practice content and cites a UK-based crime leader, so figures and coverage descriptions may not reflect a US-specific program. |
| 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. | Marsh's financial and professional liability practice places commercial crime insurance; Marsh McLennan Agency (MMA), the middle-market subsidiary, also places crime coverage bundled with fidelity as part of its executive and professional liability practice. 3,4Company-reported. Marsh corporate commercial crime page and MMA executive and professional liability page. |
