Corgi vs USI Insurance Services Crime Insurance

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. ⁶Company-reported. Product page for form CORG-CRM-0100, last reviewed by Corgi on April 24, 2026 per the page itself.

USI brokers crime insurance, which covers losses from employee theft and related fraud, either as a standalone placement or as part of a management liability review under ExecuSafe. ^10,11Company-reported. Business Services catalogue and ExecuSafe article.

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. ¹Company-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.

Neither page names the insurer USI uses for crime placements. ¹⁰Not publicly disclosed. Pages as read on 2026-09-23.

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. ⁶Company-reported. Industry-applicability section of the product page; other startups can also buy the policy, and eligibility for any given business depends on underwriting.

USI's Business Services practice, which lists crime coverage, says it targets building and maintenance, repair service, janitorial, staffing and printing companies, citing employee errors and misconduct as one of the risk exposures it addresses for them. ¹⁰Company-reported. Company description of client base.

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. ⁶Company-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 documented out-of-band verification controls for changes to vendor wire instructions. ⁶Company-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. ⁶Company-reported. Product-page glossary and FAQ description of form CORG-CRM-0100.

USI lists crime among the coverages it places for business-services clients, and its ExecuSafe review checks a client's existing crime coverage as part of a broader management liability review. ^10,11Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy.

Corgi's illustrative Crime & Fidelity structure shows a $1,000,000 per-occurrence and aggregate limit across its insuring agreements, with a $10,000 self-insured retention per occurrence. ⁶Company-reported. Illustrative policy structure on the product page ('Anatomy of a $1M / $1M / $10K Crime & Fidelity Policy'); actual limits and retentions appear on the declarations and Corgi says standard limits scale with payment volume for growth-stage and at-scale companies.

Neither page publishes crime coverage limit or retention figures. ¹⁰Not publicly disclosed. Pages as read on 2026-09-23.

Not described in the reviewed sources.

USI's Business Services practice says it offers classification and exposure reviews, claim advocacy and risk control across its coverage lines including crime, and its ExecuSafe process specifically checks existing crime coverage for gaps. ^10,11Company-reported. Combines the general Business Services service list with the ExecuSafe-specific review step.

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. ⁶Company-reported. FAQ marketing claims on the product page; quote and bind speed are not independently verified.

USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. ^10,11Company-reported. Contact instructions on each page.