Beazley vs RiskCube Crime Insurance

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. ⁵Company-reported. Crime and Fidelity product page; distinguishes the commercial-company product from the financial-institution fidelity bond described on the same page.

RiskCube brokers commercial crime coverage as one of the lines in its startup insurance catalogue, comparing carrier options rather than underwriting the policy itself. ⁹Company-reported. Catalogue coverage-type list and lead paragraph; RiskCube did not publish a separate commercial crime landing page as of 2026-09-23.

Not described in the reviewed sources.

RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including commercial crime, are underwritten and issued by third-party carriers it does not name. ⁸Company-reported. Company-wide entity and licensing disclosure; no carrier is identified for commercial crime specifically.

Beazley markets Commercial Crime to ordinary commercial companies, not to banks or other financial institutions, which it addresses separately through Financial Fidelity Bonds. ⁵Company-reported. Product page target-customer language; no industry list or size threshold is published.

RiskCube calls commercial crime coverage "essential for startups handling client funds, payment data, or operating with a distributed team." ⁹Company-reported. Catalogue Commercial Crime card.

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. ⁵Company-reported. Product-page description of insuring agreements; exclusions, conditions and available sub-limits appear only in the issued policy.

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. ⁵Company-reported. 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.

RiskCube describes commercial crime coverage as protecting a startup against financial losses caused by employee theft, fraud, forgery and social-engineering attacks. ⁹Company-reported. Catalogue Commercial Crime card summary.

Beazley advertises Commercial Crime limits of up to US $25,000,000. The page does not publish retentions, sub-limits by insuring agreement, or a minimum limit. ⁵Company-reported. Product-page headline limit figure; the page does not split the figure between Commercial Crime and Financial Fidelity Bonds.

RiskCube's catalogue does not publish specific limit or retention amounts for commercial crime. ⁹Not publicly disclosed. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available to check for a limits table.

Beazley says its underwriting and claims professionals for this line work side by side so that, when a claim arises, the original underwriting intent of the policy is respected. ⁵Company-reported. Company-stated internal process description; no independent claims-handling outcome data is provided.

The reviewed catalogue page does not describe risk-control or other services specific to commercial crime, such as fidelity-fraud prevention programs. ⁹Not found in reviewed sources. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available.

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. ⁵Company-reported. Tools & Resources section of the product page; the page does not describe an online quote or self-service purchase flow.

RiskCube describes a roughly 10-minute digital intake followed by its AI agents and licensed brokers comparing top-rated carriers, aiming for vendor-ready proof of coverage in about 24 hours across the coverage types in its catalogue, including commercial crime. ⁹Company-reported. Catalogue process section; the timing is a general claim about the catalogue's application flow, not commercial-crime-specific.

The product page links to Beazley's general claim-notification channel for this line. It does not disclose a claims response-time commitment or a dedicated claims-handling process specific to Commercial Crime. ⁵Not publicly disclosed. Product page "Notify a Claim" link as read on 2026-09-23; response times were not found.

The reviewed catalogue page does not describe claims handling specific to commercial crime. ⁹Not found in reviewed sources. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available.