---
title: "Corgi vs The Hartford: Crime Insurance"
description: "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."
canonical: "https://spot.insure/compare/corgi-vs-the-hartford/crime"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "corgi-vs-the-hartford"
provider-a: "corgi"
provider-b: "the-hartford"
coverage-line: "crime"
---

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

## Agent Guide

**What this page is:** Focused comparison of Corgi and The Hartford for Crime Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Crime Insurance questions about Corgi versus The Hartford. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Corgi vs The Hartford for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Corgi or The Hartford?
- What does Corgi or The Hartford publish about Crime Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Crime Insurance. Providers: Corgi and The Hartford.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-29.

**Related pages:**
- [Corgi vs The Hartford](https://spot.insure/compare/corgi-vs-the-hartford) — all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — how this coverage works
- [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# 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 targets fintechs moving customer funds; The Hartford lists crime for private, public and nonprofit companies in Private Choice Premier and a financial-institutions track.

## Corgi vs The Hartford Crime Insurance Summary

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](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## 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](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups")

### 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](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")


### 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](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## 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](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- Ask Corgi for the bound limit, retention and social-engineering sublimit versus the $1 million / $10,000 illustration. [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups")
- 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](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [2](https://www.corgi.insure/disclaimers "Disclaimers")
- If a sponsor bank requires crime before go-live, ask Corgi whether the quoted form meets that condition. [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups")

## Corgi vs The Hartford Crime Insurance Compared

| 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. [1](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..) | The Hartford's crime coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. [3](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: 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. [1](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 out-of-band verification controls for changes to vendor wire instructions. [1](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. [1](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..) | 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. [3](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: 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. [1](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..) | 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. [3](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23..) |

## About Corgi and The Hartford and Crime Insurance

- [Corgi company profile](https://spot.insure/insurance-providers/corgi) · [Corgi customer reviews](https://spot.insure/insurance-providers/corgi/reviews)
- [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews)
- [What Is Crime Insurance?](https://spot.insure/coverage/crime)

## Related Pages for Corgi vs The Hartford Crime Insurance

- [Corgi vs The Hartford](https://spot.insure/compare/corgi-vs-the-hartford): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms.
- [Corgi Crime Insurance](https://spot.insure/insurance-providers/corgi/crime)
- [The Hartford Crime Insurance](https://spot.insure/insurance-providers/the-hartford/crime)

## Sources for Corgi vs The Hartford Crime Insurance

### Sources About Corgi

1. [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.
2. [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.

### Sources About The Hartford

3. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). The Hartford; Crime Insurance section; Who Does Management Liability Insurance Protect?; Management and Professional Liability Insurance for Financial Institutions (Bond and commercial crime (fidelity)). Accessed 2026-09-23.

Updated 2026-09-29. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/corgi-vs-the-hartford/crime.md)
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