--- title: "Alliance Risk vs HUB International Crime Insurance" description: "Alliance Risk and HUB both broker crime; HUB lists private, public and not-for-profit buyers and cites industry fraud-loss statistics." canonical: "https://spot.insure/compare/alliance-risk-vs-hub-international/crime" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/alliance-risk-vs-hub-international/crime) # Alliance Risk vs HUB International Crime Insurance Alliance Risk and HUB both broker crime; HUB lists private, public and not-for-profit buyers and cites industry fraud-loss statistics. ## Research Scope and Use Use this comparison to evaluate Alliance Risk and HUB International for Crime Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Alliance Risk and HUB International both broker commercial crime rather than underwrite it, and neither crime page names the issuing insurer. HUB lists employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds-transfer fraud, and says coverage is available for private, public and not-for-profit organizations. [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [4](https://joinalliancerisk.com/coverages/ "Alliance Products") [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") ## What Is Alliance Risk? Alliance Risk describes itself as an independent commercial insurance brokerage serving complex businesses, including technology startups. Its offering includes technology E&O placement and review of existing policies. [1](https://joinalliancerisk.com/about-us/ "About Us") [2](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") [Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk) ## What Is HUB International? HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [5](https://www.hubinternational.com/about-us/ "About Us") [6](https://www.hubinternational.com/contact-us/ "Contact Us") [7](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [HUB International profile](https://spot.insure/insurance-providers/hub-international) ## What Is Crime Insurance? Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") ## Key Differences in Crime Insurance ### Shared Broker Role, Different Peril Lists Alliance Risk arranges crime insurance as a brokerage. HUB brokers commercial crime insurance rather than underwriting it. Alliance Risk lists employee theft and embezzlement, forgery, fraudulent electronic funds transfer, social-engineering impersonation, and burglary, robbery and safe burglary, with client-property theft by endorsement. HUB lists employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds-transfer fraud. [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") ### Who They Say Needs It HUB says crime is available for private, public and not-for-profit organizations. Alliance Risk names cash-handling firms, accounting teams, volunteer-oversight nonprofits, and finance, retail, healthcare or logistics. [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") HUB cites industry figures that organizations lose about 5% of revenue to fraud, that fraud often takes about 18 months to detect, and that more than 23% of cases exceed $1 million. Alliance Risk’s reviewed sources do not cite those figures. [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") ### Intake and Published Terms HUB asks you to connect with a broker and does not describe an online quote. Alliance Risk publishes typical annual premium ranges and excludes business-income loss unless endorsed, cyber hacking, undiscovered losses, and owner or partner dishonesty. [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") HUB’s reviewed sources do not publish crime limits, deductibles or premiums. Neither brokerage names the issuing insurer. [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") ## What to Confirm in Crime Insurance Quotes - Ask HUB whether vendor theft and asset misappropriation are on the proposed form, and ask Alliance Risk whether burglary and social-engineering impersonation are. [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") - Get the carrier from both brokerages. [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") - Confirm discovery timing and owner-dishonesty treatment against Alliance Risk’s listed exclusions. [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") - Ask both for limit and deductible; HUB’s page does not publish them and Alliance Risk publishes premiums, not limits. [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") ## Offering Details | Criteria | Alliance Risk Crime Insurance | HUB International Crime Insurance Brokerage | | --- | --- | --- | | 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. [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [4](https://joinalliancerisk.com/coverages/ "Alliance Products") (Evidence: Company-reported; scope: Crime product page and the general brokerage disclosure on the coverage catalogue page..) | HUB brokers commercial crime insurance rather than underwriting the coverage itself. [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Company-reported; scope: Crime insurance product page as read 2026-09-23; the page does not name an issuing insurer..) | | Issuing Insurer | The crime insurance page does not name an issuing insurer or carrier for the coverage. [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") (Evidence: Not publicly disclosed; scope: Crime product page as read on 2026-09-23..) | The crime insurance page does not name an issuing insurer; HUB places crime coverage with carriers that vary by client and placement. [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Not found in reviewed sources; scope: Checked the crime insurance product page on 2026-09-23; no carrier is disclosed there..) | | 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. [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: Crime product page, Who Needs Crime Insurance? section..) | HUB says crime coverage is available for private, public and not-for-profit organizations. [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Company-reported; scope: 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. [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: 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. [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Company-reported; scope: 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. [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Company-reported; scope: Product-page statistics are company-cited figures, not independently verified by Spot, and are general fraud statistics rather than HUB-specific claims data..) | | Limits and Retentions | Alliance Risk's crime page gives typical annual premium ranges ($500-$2,000 for small businesses up to $10,000-$50,000+ for large enterprises) but does not publish specific coverage limits, sublimits or retentions. [3](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") (Evidence: Not publicly disclosed; scope: Crime product page as read on 2026-09-23..) | Published policy limits, deductibles or premium information for HUB-placed crime coverage were not found on the product page. [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Not publicly disclosed; scope: Checked the crime insurance product page on 2026-09-23; limits are set on the quote and declarations..) | | How to Apply | Not described in the reviewed sources. | HUB directs prospects to connect with a broker through its business-insurance contact page; no online quote flow is described. [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23..) | ## Full Comparison - [Alliance Risk vs HUB International](https://spot.insure/compare/alliance-risk-vs-hub-international): all coverage lines, business roles, service and claims. - [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance can help recover business losses from specified theft and fraud, including employee theft, forgery and payment fraud. - [Alliance Risk vs HUB International Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/builders-risk) - [Alliance Risk vs HUB International Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-hub-international/business-owners-policy) - [Alliance Risk vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/cargo-transit) - [Alliance Risk vs HUB International Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/commercial-auto) - [Alliance Risk vs HUB International Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/commercial-property) - [Alliance Risk vs HUB International Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/cyber) - [Alliance Risk vs HUB International D&O Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/directors-officers) - [Alliance Risk vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/employment-practices) - [Alliance Risk vs HUB International Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/equipment-breakdown) - [Alliance Risk vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/fiduciary) - [Alliance Risk vs HUB International General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/general-liability) - [Alliance Risk vs HUB International Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/inland-marine) - [Alliance Risk vs HUB International Key Person Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/key-person) - [Alliance Risk vs HUB International Management Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/management-liability) - [Alliance Risk vs HUB International Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/product-liability) - [Alliance Risk vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/professional-errors-omissions) - [Alliance Risk vs HUB International Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/technology-errors-omissions) - [Alliance Risk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/umbrella-excess) - [Alliance Risk vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/workers-compensation) - [Alliance Risk vs Beazley Crime Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/crime) - [Alliance Risk vs CFC Crime Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/crime) - [Alliance Risk vs Chubb Crime Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/crime) - [Alliance Risk vs Coalition Crime Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/crime) - [Alliance Risk vs Corgi Crime Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/crime) - [Alliance Risk vs Coverdash Crime Insurance](https://spot.insure/compare/alliance-risk-vs-coverdash/crime) ## Sources ### Alliance Risk 1. [About Us](https://joinalliancerisk.com/about-us/). Alliance Risk; Our Story. Accessed 2026-09-16. 2. [Tech E&O Insurance](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/). Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16. 3. [Crime Insurance](https://joinalliancerisk.com/crime-insurance/). Alliance Risk; What Is Crime Insurance?; Who Needs Crime Insurance?; What Does Crime Insurance Cover?; What Doesn't Crime Insurance Cover?; How Much Does Crime Insurance Cost?. Accessed 2026-09-23. 4. [Alliance Products](https://joinalliancerisk.com/coverages/). Alliance Risk; Footer brokerage disclosure: "Alliance Risk is an insurance brokerage focused on providing clients with commercial insurance across a wide array of industries.". Accessed 2026-09-23. ### HUB International 5. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16. 6. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16. 7. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16. 8. [Crime Insurance Brokers](https://www.hubinternational.com/products/business-insurance/crime-insurance/). HUB International; Fraud-loss statistics; coverage types: employee theft, vendor theft, forgery, asset misappropriation, computer fraud, funds transfer fraud; organization types: private, public, not-for-profit; Connect With a Broker. Accessed 2026-09-23. ### Crime Insurance Guide 9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16. Updated 2026-09-23. 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/alliance-risk-vs-hub-international/crime.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)