Beazley vs 
RiskCube: How Do They Compare for Crime Insurance?
RiskCube brokers commercial crime for startups, comparing carriers after a roughly 10-minute intake and aiming for proof of coverage in about 24 hours; Beazley underwrites Commercial Crime, advertising limits up to $25,000,000.
Beazley writes its own Commercial Crime policy with limits up to $25 million and a detailed list of covered losses. RiskCube is a startup broker that compares insurers after a roughly 10-minute online intake and aims for proof of coverage in about 24 hours, but publishes no crime limits. 1,2
What Are the Key Differences Between Beazley and RiskCube Crime Insurance?
Fast Startup Shopping vs a Known Policy
RiskCube pitches crime cover to startups that handle client funds, payment data or a distributed team; its AI agents and licensed brokers compare insurers after a short online intake, aiming for vendor-ready proof in about 24 hours. Beazley is the insurer itself and lists separate Crime, Massachusetts Crime and Social Engineering applications rather than an online quote. Choose RiskCube if you are a startup that needs a certificate for a customer or partner quickly; choose Beazley if you need a large limit and want to know exactly which policy you are buying. 2 1
What the Policy Covers and How Much
Beazley lists employee theft, forgery, on-premises and in-transit loss, computer fraud, client-property loss and credit-card fraud, advertises limits up to $25 million, and conditions wire-fraud cover on out-of-band checks of payment instructions. RiskCube describes employee theft, fraud, forgery and social-engineering attacks in one line and publishes no limits or retentions, so terms depend on the insurer it picks. 1 2
What Should You Confirm in Beazley and RiskCube Crime Insurance Quotes?
- RiskCube says third-party insurers issue its policies without naming them; ask which insurer it chose and whether that form covers client property and in-transit loss. 3 1
- Ask RiskCube whether the 24-hour proof target applies to crime and for the limit and retention on your quote. 2
- Ask Beazley for the limit, retention and any social-engineering sublimit on your quote, and whether the out-of-band condition can be removed. 1
Beazley vs RiskCube Crime Insurance Compared
Beazley vs RiskCube: Crime Insurance: documented features by provider
| Criteria | Beazley Commercial Crime | RiskCube Commercial Crime Insurance |
|---|---|---|
| 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. 1Company-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." 2Company-reported. Catalogue Commercial Crime card. |
| 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. 1Company-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. 2Company-reported. Catalogue process section; the timing is a general claim about the catalogue's application flow, not commercial-crime-specific. |
| 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. 1Company-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. 1Company-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. 2Company-reported. Catalogue Commercial Crime card summary. |
| 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. 1Company-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. 2Company-reported. Catalogue coverage-type list and lead paragraph; RiskCube did not publish a separate commercial crime landing page as of 2026-09-23. |
