Corgi vs The Hartford: How Do They Compare for Crime Insurance?

Corgi sells a standalone startup crime policy with an illustrative $1,000,000 limit and instant quotes; The Hartford offers crime as one of five options in its Private Choice Premier management-liability package.

Corgi fits fintechs moving customer funds with an illustrative $1 million standalone policy; The Hartford reaches public, private and nonprofit companies through Private Choice Premier and a separate financial-institutions track. ^1,³

What Are the Key Differences Between Corgi and The Hartford Crime Insurance?

If you are a public company or financial institution, The Hartford explicitly names those buyer categories and offers a distinct financial-institutions track. Corgi’s startup product is aimed at fintechs, payroll firms and marketplaces handling customer funds. ³ ¹

Standalone Policy Versus Two Hartford Tracks

Corgi sells Crime & Fidelity as a standalone startup policy. The Hartford’s crime insurance is one of five options in Private Choice Premier and is also offered as bond and commercial crime (fidelity) within its financial-institutions product track. ¹ ³

How Each Describes Covered Crime

Corgi’s standard form bundles employee dishonesty, social-engineering fraud, computer fraud and funds-transfer fraud, plus forgery, commonly sublimits social-engineering fraud to $250,000 when out-of-band vendor-wire controls are documented, and illustrates $1 million per occurrence and aggregate with a $10,000 retention. The Hartford says crime helps cover business-related crimes like employee theft, forgery or robbery, giving an employee stealing from a cash register as an example. ¹ ³

What Should You Confirm in Corgi and The Hartford Crime Insurance Quotes?

Ask The Hartford whether you are quoting Private Choice Premier crime or the financial-institutions bond and commercial-crime track. ³
Ask Corgi for the bound limit, retention and social-engineering sublimit versus the $1 million / $10,000 illustration. ¹
Confirm Corgi’s discovery basis and which affiliated or partner carrier is named on the policy; the crime page itself does not name the underwriter. ¹ ²
If a sponsor bank requires crime before go-live, ask Corgi whether the quoted form meets that condition. ¹

Corgi vs The Hartford Crime Insurance Compared

Corgi vs The Hartford: Crime Insurance: documented features by provider

Criteria	Corgi Crime & Fidelity	The Hartford 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.	The Hartford's crime coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. ³Company-reported. Management liability 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. 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.	The Hartford says crime insurance helps cover business-related crimes like employee theft, forgery or robbery, giving as an example an employee stealing money from a cash register. ³Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls.
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.	The Hartford's crime insurance is one of five options in its Private Choice Premier management-liability package, and is offered separately as bond and commercial crime (fidelity) coverage within its financial-institutions product track. ³Company-reported. Management liability product page as read 2026-09-23.

Criteria

Corgi Crime & Fidelity

The Hartford 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.

The Hartford's crime coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. ³Company-reported. Management liability 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. 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.

The Hartford says crime insurance helps cover business-related crimes like employee theft, forgery or robbery, giving as an example an employee stealing money from a cash register. ³Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls.

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.

The Hartford's crime insurance is one of five options in its Private Choice Premier management-liability package, and is offered separately as bond and commercial crime (fidelity) coverage within its financial-institutions product track. ³Company-reported. Management liability product page as read 2026-09-23.