What Are the Key Differences Between Corgi and Zurich U.S. Crime Insurance?
Limit and social-engineering condition
Corgi’s illustrative Crime & Fidelity structure shows a $1 million per-occurrence and aggregate limit with a $10,000 retention; social engineering is commonly sublimited to $250,000 and requires documented out-of-band verification for vendor wire changes. Zurich describes employee theft, computer fraud and funds-transfer fraud but its reviewed summary does not publish comparable limits or authentication conditions. Fintechs should compare Corgi’s specific controls and sublimit with Zurich’s actual policy wording and figures. [3] [8]
Buyer fit and policy structure
Corgi positions its standalone first-party policy for fintechs, payroll companies and marketplaces moving customer funds, and says sponsor banks may require it. Zurich offers crime as standalone coverage or in a package for public and private companies. Buyers should ask whether the Zurich package addresses the same customer-funds exposure, while Corgi applicants should confirm the issuing carrier because the product page does not identify it for a specific policy. [4] [8]