---
title: "Corgi vs Relm Insurance Crime Insurance"
description: "Corgi’s Crime & Fidelity form is for fintechs moving customer funds; Relm lists commercial crime beside digital-asset and smart-contract crime products."
canonical: "https://spot.insure/compare/corgi-vs-relm/crime"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Corgi vs Relm Insurance Crime Insurance

Corgi’s Crime & Fidelity form is for fintechs moving customer funds; Relm lists commercial crime beside digital-asset and smart-contract crime products.

## Research Scope and Use

Use this comparison to evaluate Corgi and Relm Insurance for Crime Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Corgi sells a discovery-basis Crime & Fidelity policy aimed at fintechs, payroll firms and marketplaces that move customer funds, with an illustrative $1 million limit. Relm lists Commercial Crime beside Digital Asset Crime and Smart Contract Crime and says underwriting considers flash-loan attacks and oracle manipulation. [6](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [9](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## What Is Corgi Insurance?

Corgi Insurance sells commercial coverage to technology startups through stage-based packages (pre-seed and seed, Series A, and growth stage) that combine general liability, directors and officers, technology E&O, cyber, and related lines, alongside a growing small-business product line for other industries. Coverage may be issued by Corgi’s own risk retention group, an affiliated admitted carrier, or a partner insurer, so the issuing entity and available protections depend on the specific product and state. [1](https://www.corgi.insure/disclaimers "Disclaimers") [2](https://www.corgi.insure "Corgi Insurance homepage") [3](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [4](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [5](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups")

[Corgi profile](https://spot.insure/insurance-providers/corgi)

## What Is Relm Insurance?

Relm is a specialty insurance business serving emerging industries. Its AI range distinguishes developer liability, gaps in existing liability insurance and losses from third-party AI failures. [7](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [8](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions")

[Relm Insurance profile](https://spot.insure/insurance-providers/relm)

## What Is Crime Insurance?

Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Crime Insurance

### 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. [6](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [9](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

### 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. [6](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [9](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

### 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. [6](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [9](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

### 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. [6](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [9](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## What to Confirm in Crime Insurance Quotes

- If you hold digital assets or run smart contracts, ask Relm which of its three crime products applies. [9](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")
- Get Relm’s issuing insurer; Corgi’s disclaimers name Corgi Insurance Company or Technology Risk Retention Group. [9](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") [1](https://www.corgi.insure/disclaimers "Disclaimers")
- Confirm Corgi’s discovery trigger, social-engineering sublimit and $1 million illustration. [6](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups")
- If a sponsor bank requires crime, ask which product the bank will accept. [6](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [9](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance")

## Offering Details

| Criteria | Corgi Crime & Fidelity | Relm 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. [6](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..) | 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. [9](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement..) |
| 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. [1](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..) | The reviewed page does not name a specific issuing insurer for commercial crime placements. [9](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") (Evidence: Not publicly disclosed; scope: Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific..) |
| 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. [6](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..) | 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. [9](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Crime page 'Who Needs Crime Coverage?' section; not a guarantee of eligibility for a particular company..) |
| 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. [6](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 documented out-of-band verification controls for changes to vendor wire instructions. [6](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. [6](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..) | 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. [9](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Crime page 'What is Commercial Crime Coverage?' section; the issued policy and declarations control..)<br><br>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. [9](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Crime page 'What Crime Risks Do Innovative Companies Face?' section; describes underwriting focus, not specific policy wording..) |
| 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. [6](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..) | Not described in the reviewed sources. |
| 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. [6](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..) | Relm sells crime insurance coverage through insurance brokers; its reviewed pages do not describe a direct online quote. [9](https://relminsurance.com/lines-of-business/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Crime page framing; consistent with Relm's broader broker-distribution model..) |

## Full Comparison

- [Corgi vs Relm Insurance](https://spot.insure/compare/corgi-vs-relm): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance can help recover business losses from specified theft and fraud, including employee theft, forgery and payment fraud.
- [Corgi vs Relm Insurance Cyber Insurance](https://spot.insure/compare/corgi-vs-relm/cyber)
- [Corgi vs Relm Insurance D&O Insurance](https://spot.insure/compare/corgi-vs-relm/directors-officers)
- [Corgi vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/corgi-vs-relm/employment-practices)
- [Corgi vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/corgi-vs-relm/fiduciary)
- [Corgi vs Relm Insurance General Liability Insurance](https://spot.insure/compare/corgi-vs-relm/general-liability)
- [Corgi vs Relm Insurance Media Liability Insurance](https://spot.insure/compare/corgi-vs-relm/media)
- [Corgi vs Relm Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-relm/professional-errors-omissions)
- [Corgi vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/corgi-vs-relm/technology-errors-omissions)
- [Corgi vs Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/corgi-vs-relm/umbrella-excess)
- [Alliance Risk vs Corgi Crime Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/crime)
- [Alliance Risk vs Relm Insurance Crime Insurance](https://spot.insure/compare/alliance-risk-vs-relm/crime)
- [Beazley vs Corgi Crime Insurance](https://spot.insure/compare/beazley-vs-corgi/crime)
- [Beazley vs Relm Insurance Crime Insurance](https://spot.insure/compare/beazley-vs-relm/crime)
- [CFC vs Corgi Crime Insurance](https://spot.insure/compare/cfc-vs-corgi/crime)
- [CFC vs Relm Insurance Crime Insurance](https://spot.insure/compare/cfc-vs-relm/crime)

## Sources

### Corgi

1. [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.
2. [Corgi Insurance homepage](https://www.corgi.insure). Corgi Insurance Services, Inc.; Product packages: Cyber and Directors & Officers; Growth Stage and Custom Package; Self-Serve (apply, get quoted in minutes, bind same-day) and Book a Demo paths; Explore Our Main Policies: Commercial General Liability, Crime Insurance, Fiduciary Liability, Hired and Non-Owned Auto (HNOA), Worker’s Compensation; Specialized coverages: Employment Practices Liability (EPLI), K&R (Kidnap & Ransom), Representations and Warranties; Commercial Umbrella Liability; Business Owners Policy (BOP); Coverage sales cards: Media Liability, Medical Malpractice, Miscellaneous E&O; Core Operations: Tech E&O Insurance; Tech & AI Liability product module; Transportation menu: Auto Liability, Contractual Liability Insurance - Cargo; FAQ on cost, claims, and binding; footer entity, program-administrator and issuing-carrier notices. Accessed 2026-09-16.
3. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
4. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
5. [Insurance Topics: Risk Retention Groups](https://content.naic.org/insurance-topics/risk-retention-groups). National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15.
6. [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.

### Relm Insurance

7. [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/). Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
8. [Relm Launches AI Liability Solutions](https://relminsurance.com/relm-insurance-launches-ai-suite/). Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
9. [Crime Insurance](https://relminsurance.com/lines-of-business/crime-insurance/). Relm Insurance; What is Commercial Crime Coverage?; What Crime Risks Do Innovative Companies Face?; Who Needs Crime Coverage?. Accessed 2026-09-23.

### Crime Insurance Guide

10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16.

Updated 2026-09-23. 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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- [Markdown page](https://spot.insure/compare/corgi-vs-relm/crime.md)
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