Alliance Risk vs HUB International: How Do They Compare for Crime Insurance?

HUB International arranges crime for private, public and nonprofit organizations, citing fraud statistics, with no online quote flow; Alliance Risk, a broker, details covered acts and exclusions on its page.

Both are brokers: HUB's crime list centers on vendor theft, asset misappropriation and computer fraud for private, public and nonprofit organizations, while Alliance Risk lists social-engineering impersonation, burglary and client-property theft by endorsement. Only Alliance Risk publishes typical premiums, from $500–$2,000 a year for small businesses. ^1,^2,³

What Are the Key Differences Between Alliance Risk and HUB International Crime Insurance?

Match the Crime Events to Your Business

Both lists include employee theft, forgery and funds-transfer fraud. Beyond that, HUB names vendor theft, asset misappropriation and computer fraud, while Alliance Risk names social-engineering impersonation and burglary, robbery and safe burglary, and offers theft of client property by endorsement. Choose HUB if your exposure runs through vendors and internal asset misuse; choose Alliance Risk if you handle cash on premises, hold client property or worry about impersonation scams. ³ ¹

Which Organizations Each Targets

HUB says its crime coverage is available for private, public and nonprofit organizations. Alliance Risk is more specific: businesses handling cash, payments or sensitive data, companies with billing or procurement teams, nonprofits with volunteer financial oversight, and finance, retail, healthcare and logistics firms. ³ ¹

Price Signals and Exclusions Before You Call

HUB routes you to a broker and publishes no limits, deductibles or premiums, so you learn cost only on a quote. Alliance Risk publishes typical premiums, from $500–$2,000 a year for small businesses up to $10,000–$50,000+ for large enterprises, and lists exclusions: business-income loss unless endorsed, hacking, losses not discovered during the policy period, and owner or partner dishonesty. HUB also cites industry figures that fraud often takes about 18 months to detect, which matters against a discovery-period exclusion. ³ ¹

What Should You Confirm in Alliance Risk and HUB International Crime Insurance Quotes?

Ask HUB whether vendor theft, asset misappropriation and computer fraud are on the proposed form; ask Alliance Risk whether social engineering, burglary and client-property theft are included or endorsed. ³ ¹
Neither crime page names the issuing insurer; get it, plus the limit and deductible, from both brokers. ³ ¹
Confirm how the discovery period works and whether owner dishonesty and business-income loss can be endorsed back. ¹

Alliance Risk vs HUB International Crime Insurance Compared

Alliance Risk vs HUB International: Crime Insurance: documented features by provider

Criteria	Alliance Risk Crime Insurance	HUB International Crime Insurance Brokerage
Who It’s For	Alliance Risk lists businesses that handle cash, payments or sensitive data, companies with accounting, billing or procurement teams, nonprofits with volunteer financial oversight, and organizations in finance, retail, healthcare or logistics as common crime insurance buyers. ¹Company-reported. Crime product page, Who Needs Crime Insurance? section.	HUB says crime coverage is available for private, public and not-for-profit organizations. ³Company-reported. Product-page organization-type list; not a published underwriting appetite by size or industry.
Coverage Features	Alliance Risk's crime insurance page covers employee theft and embezzlement, forgery or alteration of checks or documents, fraudulent electronic funds transfer, social engineering fraud and impersonation, and burglary, robbery and safe burglary, with theft of client property available by endorsement. ¹Company-reported. Crime product page, What Does Crime Insurance Cover? section; actual policy structure depends on the carrier and the policy as issued. Alliance Risk says its crime coverage excludes business income loss from crime unless endorsed, cyber breach or hacking (which it says falls under a cyber policy instead), losses not discovered during the policy period, and dishonest acts by company owners or partners. ¹Company-reported. Crime product page, What Doesn't Crime Insurance Cover? section.	HUB lists crime coverage types it arranges as employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds transfer fraud. ³Company-reported. Product-page coverage list; the issued policy and its exclusions control an actual claim. HUB cites industry statistics that organizations lose about 5% of revenue to fraud each year, that fraud often takes about 18 months to detect, and that more than 23% of fraud cases result in losses of $1 million or more, to frame the need for crime coverage. ³Company-reported. Product-page statistics are company-cited figures, not independently verified by us, and are general fraud statistics rather than HUB-specific claims data.
Role in This Line	Alliance Risk arranges crime insurance placements as a brokerage; the crime page describes the coverage it places rather than an Alliance-issued policy. ^1,²Company-reported. Crime product page and the general brokerage disclosure on the coverage catalogue page.	HUB brokers commercial crime insurance rather than underwriting the coverage itself. ³Company-reported. Crime insurance product page as read 2026-09-23; the page does not name an issuing insurer.

Criteria

Alliance Risk Crime Insurance

HUB International Crime Insurance Brokerage

Who It’s For

Alliance Risk lists businesses that handle cash, payments or sensitive data, companies with accounting, billing or procurement teams, nonprofits with volunteer financial oversight, and organizations in finance, retail, healthcare or logistics as common crime insurance buyers. ¹Company-reported. Crime product page, Who Needs Crime Insurance? section.

HUB says crime coverage is available for private, public and not-for-profit organizations. ³Company-reported. Product-page organization-type list; not a published underwriting appetite by size or industry.

Coverage Features

Alliance Risk's crime insurance page covers employee theft and embezzlement, forgery or alteration of checks or documents, fraudulent electronic funds transfer, social engineering fraud and impersonation, and burglary, robbery and safe burglary, with theft of client property available by endorsement. ¹Company-reported. Crime product page, What Does Crime Insurance Cover? section; actual policy structure depends on the carrier and the policy as issued.

Alliance Risk says its crime coverage excludes business income loss from crime unless endorsed, cyber breach or hacking (which it says falls under a cyber policy instead), losses not discovered during the policy period, and dishonest acts by company owners or partners. ¹Company-reported. Crime product page, What Doesn't Crime Insurance Cover? section.

HUB lists crime coverage types it arranges as employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds transfer fraud. ³Company-reported. Product-page coverage list; the issued policy and its exclusions control an actual claim.

HUB cites industry statistics that organizations lose about 5% of revenue to fraud each year, that fraud often takes about 18 months to detect, and that more than 23% of fraud cases result in losses of $1 million or more, to frame the need for crime coverage. ³Company-reported. Product-page statistics are company-cited figures, not independently verified by us, and are general fraud statistics rather than HUB-specific claims data.

Role in This Line

Alliance Risk arranges crime insurance placements as a brokerage; the crime page describes the coverage it places rather than an Alliance-issued policy. ^1,²Company-reported. Crime product page and the general brokerage disclosure on the coverage catalogue page.

HUB brokers commercial crime insurance rather than underwriting the coverage itself. ³Company-reported. Crime insurance product page as read 2026-09-23; the page does not name an issuing insurer.