Corgi vs Relm Insurance: How Do They Compare for Crime Insurance?

Corgi offers online quotes on a standalone startup crime policy with an illustrative $1,000,000 limit; Relm Insurance sells commercial crime through insurance brokers, lists separate digital-asset and smart-contract crime products, and describes no direct online quote.

Corgi targets fintechs, payroll firms and marketplaces moving customer funds with an illustrative $1 million policy; Relm’s separate digital-asset and smart-contract crime products fit businesses with those risks. ^1,³

What Are the Key Differences Between Corgi and Relm Insurance Crime Insurance?

Choose Corgi if you are a fintech, payroll company or marketplace that moves customer funds and wants an illustrated $1 million startup policy; choose Relm if your business holds digital assets or operates smart contracts. Relm names flash-loan and oracle-manipulation attacks; Corgi’s reviewed form instead focuses on first-party funds and a common $250,000 social-engineering sublimit. ³ ¹

One Startup Form Versus Three Relm Crime Products

Corgi sells Crime & Fidelity as a standalone startup policy. Relm lists Commercial Crime as one of three crime products on its line-of-business page, alongside Digital Asset Crime and Smart Contract Crime. ¹ ³

Stolen Money Versus Digital-Infrastructure Crime

Corgi describes first-party coverage when money is stolen through employee theft, social engineering, computer fraud, forgery or funds-transfer fraud, with social-engineering fraud commonly sublimited to $250,000. Relm’s commercial crime addresses embezzlement, forgery and funds-transfer fraud plus crime risks tied to digital infrastructure, and Relm says underwriting considers flash-loan attacks and oracle manipulation. ¹ ³

Who Each Product Is Aimed At

Corgi positions Crime & Fidelity for fintechs, payroll companies and marketplaces that move customer funds. Relm says crime coverage is relevant for any business that holds assets, whether fiat or digital. ¹ ³

How You Buy

Corgi offers online quotes and same-day binders. Relm sells crime insurance through insurance brokers; its reviewed pages do not describe a direct online quote. ¹ ³

What Should You Confirm in Corgi and Relm Insurance Crime Insurance Quotes?

If you hold digital assets or run smart contracts, ask Relm which of its three crime products applies. ³
Get Relm’s issuing insurer; Corgi’s disclaimers name Corgi Insurance Company or Technology Risk Retention Group. ³ ²
Confirm Corgi’s discovery trigger, social-engineering sublimit and $1 million illustration. ¹
If a sponsor bank requires crime, ask which product the bank will accept. ¹ ³

Corgi vs Relm Insurance Crime Insurance Compared

Corgi vs Relm Insurance: Crime Insurance: documented features by provider

Criteria	Corgi Crime & Fidelity	Relm Commercial Crime Insurance
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.	Relm says crime coverage is relevant for any business that holds assets, whether fiat or digital, arguing that even strong security controls leave a gap the insurance can close. ³Company-reported. Crime page 'Who Needs Crime Coverage?' section; not a guarantee of eligibility for a particular company.
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.	Relm sells crime insurance coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ³Company-reported. Crime page framing; consistent with Relm's broader broker-distribution model.
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.	Relm's commercial crime coverage addresses traditional theft such as embezzlement, forgery and funds transfer fraud, alongside crime risks tied to digital infrastructure and alternative asset models. ³Company-reported. Crime page 'What is Commercial Crime Coverage?' section; the issued policy and declarations control. Relm says its crime underwriting considers emerging attack methods such as flash-loan attacks that drain DeFi protocol liquidity and oracle manipulation that tricks smart contracts into faulty decisions, in addition to legacy fraud vulnerabilities. ³Company-reported. Crime page 'What Crime Risks Do Innovative Companies Face?' section; describes underwriting focus, not specific policy wording.
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.	Relm lists Commercial Crime as one of three crime products (alongside Digital Asset Crime and Smart Contract Crime, covered in Relm's separate digital-assets offering record) on its crime insurance line-of-business page. ³Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.