---
title: "Alliance Risk vs HUB International: Crime Insurance"
description: "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."
canonical: "https://spot.insure/compare/alliance-risk-vs-hub-international/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "alliance-risk-vs-hub-international"
provider-a: "alliance-risk"
provider-b: "hub-international"
coverage-line: "crime"
---

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[Human-readable page](https://spot.insure/compare/alliance-risk-vs-hub-international/crime)

## Agent Guide

**What this page is:** Focused comparison of Alliance Risk and HUB International for Crime Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Crime Insurance questions about Alliance Risk versus HUB International. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Alliance Risk vs HUB International for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Alliance Risk or HUB International?
- What does Alliance Risk or HUB International publish about Crime Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Crime Insurance. Providers: Alliance Risk and HUB International.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Alliance Risk vs HUB International](https://spot.insure/compare/alliance-risk-vs-hub-international) — all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — how this coverage works
- [Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk) — provider profile
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile

# 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.

HUB lists vendor theft, asset misappropriation and computer fraud for private, public and nonprofit organizations; Alliance Risk lists social-engineering fraud and burglary and publishes typical premiums.

## Alliance Risk vs HUB International Crime Insurance Summary

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](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [2](https://joinalliancerisk.com/coverages/ "Alliance Products") [3](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

## 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](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")

### 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](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")

### 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](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")

## 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](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")
- Neither crime page names the issuing insurer; get it, plus the limit and deductible, from both brokers. [3](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")
- Confirm how the discovery period works and whether owner dishonesty and business-income loss can be endorsed back. [1](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance")

## Alliance Risk vs HUB International Crime Insurance Compared

| 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. [1](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. [3](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. [1](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..)<br><br>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. [1](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. [3](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..)<br><br>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. [3](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 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](https://joinalliancerisk.com/crime-insurance/ "Crime Insurance") [2](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. [3](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..) |

## About Alliance Risk and HUB International and Crime Insurance

- [Alliance Risk company profile](https://spot.insure/insurance-providers/alliance-risk) · [Alliance Risk customer reviews](https://spot.insure/insurance-providers/alliance-risk/reviews)
- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [What Is Crime Insurance?](https://spot.insure/coverage/crime)

## Related Pages for Alliance Risk vs HUB International Crime Insurance

- [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 addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms.
- [Alliance Risk Crime Insurance](https://spot.insure/insurance-providers/alliance-risk/crime)
- [HUB International Crime Insurance](https://spot.insure/insurance-providers/hub-international/crime)

## Sources for Alliance Risk vs HUB International Crime Insurance

### Sources About Alliance Risk

1. [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.
2. [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.

### Sources About HUB International

3. [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.

Updated 2026-09-25. 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)
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- [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)