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

Both target startups. Corgi sells a standalone crime policy with online quotes in under 10 minutes; RiskCube brokers crime by comparing carriers, with a roughly 10-minute intake and an aim of proof of coverage in about 24 hours.

Corgi’s standalone Crime & Fidelity targets fintechs moving customer funds; RiskCube targets startups handling client funds, payment data or distributed teams. ^1,³

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

Corgi says it can issue a crime binder the same day; RiskCube’s roughly 24-hour target is for vendor-ready proof, not a stated binding deadline, and it publishes no crime limit. Choose Corgi if your fintech needs a same-day binder; choose RiskCube if your startup needs vendor-ready proof and can confirm when the crime policy will bind. ¹ ³

Underwritten Form Versus Catalogue Comparison

Corgi sells Crime & Fidelity as its own startup policy. RiskCube brokers commercial crime as one catalogue line, comparing carrier options rather than underwriting, and disclosures say third-party carriers issue the policies. ¹ ³ ⁴

Illustrated Numbers Versus Undisclosed Limits

Corgi illustrates $1 million occurrence and aggregate, a $10,000 retention and a common $250,000 social-engineering sublimit on a discovery basis. RiskCube’s catalogue does not publish crime limits or retentions. ¹ ³

Who Each Catalogue Card Names

Corgi aims the policy at fintechs, payroll companies and marketplaces that move customer funds. RiskCube calls commercial crime essential for startups handling client funds, payment data or a distributed team, and describes employee theft, fraud, forgery and social-engineering attacks. Corgi’s disclaimers name possible underwriters; RiskCube does not name carriers. ¹ ² ³ ⁴

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

Get RiskCube’s issuing carrier, limit and trigger; compare with Corgi’s discovery form and $1 million illustration. ⁴ ¹
Ask whether RiskCube’s “about 24 hours” to proof of coverage applies to crime specifically. ³
Confirm Corgi’s social-engineering sublimit and issuing entity. ¹ ²
If a sponsor bank requires a named form, ask which placement the bank will accept. ¹ ³

Corgi vs RiskCube Crime Insurance Compared

Corgi vs RiskCube: Crime Insurance: documented features by provider

Criteria	Corgi Crime & Fidelity	RiskCube 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.	RiskCube calls commercial crime coverage "essential for startups handling client funds, payment data, or operating with a distributed team." ³Company-reported. Catalogue Commercial Crime card.
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.	RiskCube describes a roughly 10-minute digital intake followed by its AI agents and licensed brokers comparing top-rated carriers, aiming for vendor-ready proof of coverage in about 24 hours across the coverage types in its catalogue, including commercial crime. ³Company-reported. Catalogue process section; the timing is a general claim about the catalogue's application flow, not commercial-crime-specific.
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.	RiskCube describes commercial crime coverage as protecting a startup against financial losses caused by employee theft, fraud, forgery and social-engineering attacks. ³Company-reported. Catalogue Commercial Crime card summary.
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.	RiskCube brokers commercial crime coverage as one of the lines in its startup insurance catalogue, comparing carrier options rather than underwriting the policy itself. ³Company-reported. Catalogue coverage-type list and lead paragraph; RiskCube did not publish a separate commercial crime landing page as of 2026-09-23.
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. ²Company-reported. General carrier-financial-strength disclosure that applies across Corgi's product lines, not a crime-specific underwriter statement; your policy names the actual insurer.	RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including commercial crime, are underwritten and issued by third-party carriers it does not name. ⁴Company-reported. Company-wide entity and licensing disclosure; no carrier is identified for commercial crime specifically.