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

Corgi offers online quotes for crime and fidelity and says it can issue a proof of coverage the same day; Travelers underwrites fidelity and crime through multiple insuring agreements, sold through independent agents, with a social engineering fraud endorsement.

Corgi uses a discovery-basis form with an illustrative $1 million limit and common $250,000 social-engineering sublimit; Travelers offers multiple agreements and an optional social-engineering endorsement without publishing limits. ^1,³

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

Corgi targets fintechs, payroll companies and marketplaces that move customer funds; Travelers markets fidelity and crime to private, public and nonprofit organizations through independent agents. Choose Corgi if your funds-moving startup wants to apply online; choose Travelers if you are a public company or nonprofit that prefers an agent and wants multiple crime agreements. ¹ ³

Discovery Form Versus Multiple Insuring Agreements

Corgi’s policy is written on a discovery basis with bundled employee dishonesty, social engineering, computer fraud, funds-transfer fraud and forgery. Travelers underwrites fidelity and crime through multiple insuring agreements addressing forgery or alteration, loss of money and securities, and claim-expense reimbursement, including employee dishonesty, funds-transfer fraud, computer fraud and social-engineering fraud. ¹ ³

Sublimit Versus Endorsement

Corgi commonly sublimits social-engineering fraud to $250,000 when out-of-band vendor-wire controls are documented. Travelers offers a social-engineering fraud endorsement and publishes Coverage 101 resources. Corgi illustrates $1 million limits; Travelers’ reviewed page does not publish limits. ¹ ³

Issuing Names and Audiences

Corgi’s disclaimers name Corgi Insurance Company or Technology Risk Retention Group. Travelers’ video disclosure names Travelers Casualty and Surety Company of America and affiliates. Corgi aims at fintechs moving customer funds; Travelers markets to nonprofit, private and public companies. ² ¹ ³

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

Ask Travelers whether social-engineering fraud is on the base agreements or only via endorsement; Corgi builds it into the form with a common sublimit. ³ ¹
Compare Travelers’ bound limit and trigger with Corgi’s $1 million discovery illustration. ³ ¹
Confirm the issuing entity on both quotes. ² ³
If a sponsor bank requires crime, ask which form it will accept. ¹ ³

Corgi vs Travelers Crime Insurance Compared

Corgi vs Travelers: Crime Insurance: documented features by provider

Criteria	Corgi Crime & Fidelity	Travelers Fidelity & 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.	Travelers markets fidelity and crime coverage to nonprofit organizations, private companies and public companies. ³Company-reported. Product page "Who is fidelity and crime coverage right for?" section.
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.	Fidelity and crime coverage is bought through a Travelers independent agent. ³Company-reported. Product page "Find an insurance agent" call to action.
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.	Travelers says the coverage addresses loss from forgery or alteration, loss of money and securities, and reimbursement for claim expenses, protecting against threats such as employee dishonesty and theft, funds transfer fraud, computer fraud, employee fraud and social engineering fraud. ³Company-reported. Product page "What is fidelity and crime coverage?" and "Types of fidelity and crime claims" sections; exact terms and exclusions are set by the issued policy.
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.	Travelers underwrites fidelity and crime coverage through multiple insuring agreements sold under the Management & Professional Liability line, rather than as a single fixed policy. ³Company-reported. Product page "What is fidelity and crime coverage?" section.
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.	The product page's video disclosure names Travelers Casualty and Surety Company of America and its property casualty affiliates; the specific issuing entity for a given policy can vary. ³Company-reported. Product page video legal footer.