Corgi vs Gallagher: Commercial Crime Insurance

Corgi offers online crime quotes in under 10 minutes with an illustrative $1,000,000 limit; Gallagher arranges crime with outside carriers, using an advisor form for small businesses and peer analysis to set limits for larger accounts.

Van Ness Partners presents a practical comparison of source materials relevant to financial crime exposures.Research updated 2026-09-29

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

Gallagher’s small-business form asks for company details, employee count and revenue before an advisor responds; its large-account team uses peer analysis to discuss limits. Corgi targets fintechs, payroll companies and marketplaces that move customer funds, with an illustrative $1 million occurrence and aggregate. Choose Corgi if your company moves customer funds and wants its quick online application; choose Gallagher if you prefer an advisor intake or need peer-based limit analysis for a larger account. [3] [6] [5]

Illustrated Structure Versus Peer-Analysis Limits

Corgi illustrates $1 million occurrence and aggregate, a $10,000 retention, and a common $250,000 social-engineering sublimit. Gallagher’s reviewed pages do not publish crime limits; for larger accounts Gallagher describes peer analysis using third-party databases and a Surety Association exposure index to set limits. [3] [6] [5]

Fintech Requirement Versus Small-Business Fraud List

Corgi aims the policy at fintechs, payroll companies and marketplaces that move customer funds. Gallagher recommends Fidelity and Crime for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud or destruction of personal property, and describes cover including credit card forgery and destruction of property. [3] [6]

Trigger and Paper

Corgi’s policy is discovery-basis. Corgi’s disclaimers name Corgi Insurance Company or Technology Risk Retention Group. Neither Gallagher crime page names an issuing insurer. [3] [4] [6] [5]

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

  • Ask Gallagher whether you are on the small-business product or the executive-risk practice, and which carrier issues crime. [6] [5]
  • Compare Gallagher’s recommended limit with Corgi’s $1 million illustration and $250,000 social-engineering sublimit. [5] [3]
  • Confirm discovery wording on Corgi against Gallagher’s placed form. [3] [6]
  • Ask whether Gallagher’s credit-card forgery and property-destruction perils appear on Corgi’s CORG-CRM-0100 form. [6] [3]

Crime coverage

Corgi

  • role: 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. Product page for form CORG-CRM-0100, last reviewed by Corgi on April 24, 2026 per the page itself.company-reportedSource ↗
  • coverage: 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. 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.company-reportedSource ↗
  • coverage: 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. Product-page scenario notes and FAQ; the exact sublimit and required controls are underwriting-dependent and confirmed on the declarations page.company-reportedSource ↗
  • coverage: 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. Product-page glossary and FAQ description of form CORG-CRM-0100.company-reportedSource ↗
  • limits: 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. 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.company-reportedSource ↗
  • 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. General carrier-financial-strength disclosure that applies across Corgi's product lines, not a crime-specific underwriter statement; your policy names the actual insurer.company-reportedSource ↗
  • application: 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. FAQ marketing claims on the product page; quote and bind speed are not independently verified.company-reportedSource ↗
  • eligibility: 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. Industry-applicability section of the product page; other startups can also buy the policy, and eligibility for any given business depends on underwriting.company-reportedSource ↗

Gallagher

  • role: Gallagher Small Business arranges Fidelity and Crime coverage with outside carriers for small-business clients; its group-level Executive and Financial Risk practice separately places the same coverage for larger accounts. Gallagher does not underwrite either policy. Small-business crime product page and the group-level executive-risk practice page.company-reportedSource ↗Source ↗
  • coverage: Gallagher describes Fidelity and Crime insurance as covering losses from fraudulent or dishonest acts, including credit card forgery, computer fraud, funds-transfer fraud, employee fraud, theft and destruction of property. Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions.company-reportedSource ↗
  • eligibility: Gallagher recommends this coverage for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud, or destruction of personal property. Small-business crime product page "Do you need Fidelity and Crime insurance?" list; actual acceptance depends on underwriting.company-reportedSource ↗
  • services: For larger accounts, Gallagher says its methodology for setting crime coverage limits includes peer analysis using third-party databases and an exposure index developed by the Surety Association of America with the American Institute of Accountants. Group-level executive-risk practice page; not confirmed as applied to the small-business product.company-reportedSource ↗
  • application: The small-business crime page routes buyers to a Connect With An Advisor form asking for company details, business description, other coverage interests, employee count and annual revenue. Product page inquiry form, inspected without submission.company-reportedSource ↗
  • insurer: Neither the small-business crime page nor the executive-risk practice page names the insurer that would issue a given client's crime policy. Checked both pages on 2026-09-23.not-disclosedSource ↗Source ↗
  • limits: Neither page publishes specific crime coverage limits or premium ranges. Checked both pages on 2026-09-23.not-disclosedSource ↗Source ↗

Corgi targets fintechs, payroll firms and marketplaces that move customer funds with an illustrative $1 million policy; Gallagher uses a small-business advisor path and peer analysis to help larger accounts set limits.

Sources consulted

  1. 01
    Commercial Insurance Guide

    California Department of Insurance · Crime · accessed 2026-09-16

  2. 02
    Social Engineering Fraud Insurance

    Chubb · Opening; coverage highlights · accessed 2026-09-16

  3. 03
    Crime & Fidelity Insurance for Startups

    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

  4. 04
    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

  5. 05
    Executive and Financial Risk Insurance

    Gallagher · Employee Dishonesty (Crime) and Fidelity Bond insurance section · accessed 2026-09-23

  6. 06
    Crime

    Gallagher Small Business · Coverage Overview; Do you need Fidelity and Crime insurance?; Connect With An Advisor form · accessed 2026-09-23

  7. 07
    Crime Terms and Conditions

    The Travelers Companies, Inc. · I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15 · accessed 2026-09-16

  8. 08
    Crime Non-Financial Applications and Forms

    Travelers · Opening paragraph; Sample Policy Forms · accessed 2026-09-16

  9. 09
    Commercial Crime Coverage Application

    Travelers Casualty and Surety Company of America · I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3 · accessed 2026-09-16

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