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

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

## Agent Guide

**What this page is:** Focused comparison of Corgi and Travelers 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 Travelers. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Crime Insurance. Providers: Corgi and Travelers.
- 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 Travelers](https://spot.insure/compare/corgi-vs-travelers) — 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
- [Travelers profile](https://spot.insure/insurance-providers/travelers) — provider profile

# 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 publishes an illustrative crime limit and social-engineering sublimit; Travelers offers multiple crime agreements and an optional endorsement through agents.

## Corgi vs Travelers Crime Insurance Summary

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](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance")

## 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](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance")



### 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](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance")

### 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](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance")

### 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](https://www.corgi.insure/disclaimers "Disclaimers") [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance")

## 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](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups")
- Compare Travelers’ bound limit and trigger with Corgi’s $1 million discovery illustration. [3](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups")
- Confirm the issuing entity on both quotes. [2](https://www.corgi.insure/disclaimers "Disclaimers") [3](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance")
- If a sponsor bank requires crime, ask which form it will accept. [1](https://www.corgi.insure/crime "Crime & Fidelity Insurance for Startups") [3](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance")

## Corgi vs Travelers Crime Insurance Compared

| 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. [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..) | Travelers markets fidelity and crime coverage to nonprofit organizations, private companies and public companies. [3](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: 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. [1](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..) | Fidelity and crime coverage is bought through a Travelers independent agent. [3](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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. [3](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: 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. [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..) | Travelers underwrites fidelity and crime coverage through multiple insuring agreements sold under the Management & Professional Liability line, rather than as a single fixed policy. [3](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: 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. [2](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 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. [3](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime "Fidelity & Crime Insurance") (Evidence: Company-reported; scope: Product page video legal footer..) |

## About Corgi and Travelers and Crime Insurance

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

## Related Pages for Corgi vs Travelers Crime Insurance

- [Corgi vs Travelers](https://spot.insure/compare/corgi-vs-travelers): 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)
- [Travelers Crime Insurance](https://spot.insure/insurance-providers/travelers/crime)

## Sources for Corgi vs Travelers 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 Travelers

3. [Fidelity & Crime Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fidelity-crime). Travelers; What is fidelity and crime coverage?; Who is fidelity and crime coverage right for?; Types of fidelity and crime claims; video legal footer naming Travelers Casualty and Surety Company of America. 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.

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