---
title: "Beazley vs HUB International: Crime Insurance"
description: "Beazley insures commercial crime itself, advertises limits up to $25 million and spells out its fraud agreements; HUB is a broker that places crime cover for private, public and nonprofit organizations but publishes no limits, prices or insurers."
canonical: "https://spot.insure/compare/beazley-vs-hub-international/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "beazley-vs-hub-international"
provider-a: "beazley"
provider-b: "hub-international"
coverage-line: "crime"
---

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

## Agent Guide

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

**Key facts:**
- Line: Crime Insurance. Providers: Beazley 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:**
- [Beazley vs HUB International](https://spot.insure/compare/beazley-vs-hub-international) — all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — how this coverage works
- [Beazley profile](https://spot.insure/insurance-providers/beazley) — provider profile
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile

# Beazley vs HUB International: How Do They Compare for Crime Insurance?

Private, public and not-for-profit organizations can have HUB International broker crime, but HUB describes no online quote flow, only a contact page; Beazley underwrites commercial crime and advertises limits up to $25 million.

Beazley insures commercial crime itself with limits up to $25 million and detailed social-engineering terms; HUB is a broker that places crime cover for private, public and nonprofit organizations without publishing limits or insurers.

## Beazley vs HUB International Crime Insurance Summary

Beazley insures commercial crime itself, advertises limits up to $25 million and spells out its fraud agreements; HUB is a broker that places crime cover for private, public and nonprofit organizations but publishes no limits, prices or insurers. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [2](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

## What Are the Key Differences Between Beazley and HUB International Crime Insurance?

### Insurer With Published Terms vs Broker Who Shops

Beazley is the insurer: you apply on its standalone crime application (with a separate social-engineering application) and it writes the policy, with limits up to $25 million. Beazley’s Commercial Crime is for ordinary commercial companies; banks and other financial institutions go to its separate Financial Fidelity Bonds. HUB brokers crime rather than insuring it, serves private, public and nonprofit organizations, and places cover with insurers that vary by client; you start by contacting a broker. Choose Beazley if you are a commercial company that needs a high limit and wants to know the insurer up front; choose HUB if you are a nonprofit or public entity, or want a broker to compare several insurers. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [2](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

### How Wire Fraud Is Handled

This is where Beazley’s published detail matters. Its fraudulent-instruction agreement covers wires sent to someone posing as a vendor, client or employee, but only if you verify payment instructions out of band (for example, a call-back); Beazley says it can remove that condition for documented controls at extra premium. HUB lists funds-transfer and computer fraud, plus vendor theft and asset misappropriation, without stating conditions, so ask for them on the quote. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [2](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

### Other Covered Losses

Beazley also names in-transit and on-premises loss, counterfeit currency, credit-card fraud and client-property loss. HUB frames the need with fraud statistics: organizations lose about 5% of revenue to fraud, cases take about 18 months to detect, and over 23% exceed $1 million. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") [2](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

## What Should You Confirm in Beazley and HUB International Crime Insurance Quotes?

- Ask HUB which insurer it proposes and the limit, deductible and premium; its page names none. [2](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")
- Ask Beazley for the retention and sublimits by insuring agreement, since only the $25 million maximum is published. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity")
- Check whether your payment process meets Beazley’s out-of-band authentication condition before relying on social-engineering cover. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity")
- Ask whether vendor theft and asset misappropriation, which HUB lists, appear on Beazley’s form. [2](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity")

## Beazley vs HUB International Crime Insurance Compared

| Criteria | Beazley Commercial Crime | HUB International Crime Insurance Brokerage |
| --- | --- | --- |
| Who It’s For | Beazley markets Commercial Crime to ordinary commercial companies, not to banks or other financial institutions, which it addresses separately through Financial Fidelity Bonds. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Product page target-customer language; no industry list or size threshold is published..) | HUB says crime coverage is available for private, public and not-for-profit organizations. [2](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..) |
| How to Apply | Beazley lists a standalone Crime application, a Massachusetts-specific Crime application and a separate Social Engineering application among its Tools & Resources, distinct from the Financial Fidelity Bond application forms on the same page. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Tools & Resources section of the product page; the page does not describe an online quote or self-service purchase flow..) | HUB directs prospects to connect with a broker through its business-insurance contact page; no online quote flow is described. [2](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..) |
| Coverage Features | Beazley says Commercial Crime protects an organization from loss of money and securities caused by theft by its own employees, plus third-party-related losses such as forgery or alteration, on-premises and in-transit loss, money-order and counterfeit-currency fraud, computer fraud, client-property loss, credit-card fraud and related expense coverage. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Product-page description of insuring agreements; exclusions, conditions and available sub-limits appear only in the issued policy..)<br><br>Beazley says its Commercial Crime policy includes a fraudulent-instruction (social-engineering) insuring agreement covering losses from wire transfers made on instructions from someone posing as a vendor, client or authorized employee, and that this cover is conditioned on out-of-band authentication of payment instructions. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Product-page description; Beazley says the out-of-band-authentication condition can be removed for insureds with documented controls and response plans, subject to an additional premium..) | HUB lists crime coverage types it arranges as employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds transfer fraud. [2](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. [2](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 | Beazley underwrites Commercial Crime insurance for commercial companies. The same product page separately describes Financial Fidelity Bonds, a related but distinct product line for financial institutions. [1](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: Crime and Fidelity product page; distinguishes the commercial-company product from the financial-institution fidelity bond described on the same page..) | HUB brokers commercial crime insurance rather than underwriting the coverage itself. [2](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 Beazley and HUB International and Crime Insurance

- [Beazley company profile](https://spot.insure/insurance-providers/beazley) · [Beazley customer reviews](https://spot.insure/insurance-providers/beazley/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 Beazley vs HUB International Crime Insurance

- [Beazley vs HUB International](https://spot.insure/compare/beazley-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.
- [Beazley Crime Insurance](https://spot.insure/insurance-providers/beazley/crime)
- [HUB International Crime Insurance](https://spot.insure/insurance-providers/hub-international/crime)

## Sources for Beazley vs HUB International Crime Insurance

### Sources About Beazley

1. [Crime and Fidelity](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime). Beazley; What we offer: Commercial Crime for commercial companies; fraudulent-instruction/social-engineering insuring agreement and out-of-band authentication condition; Limits up to US $25,000,000; How can we help; Tools & Resources application forms. Accessed 2026-09-23.

### Sources About HUB International

2. [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.

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