CFC vs 
HUB International Crime Insurance
CFC includes crime in a US management-liability package; HUB brokers commercial crime for private, public and not-for-profit organizations.
What Is CFC Insurance?
CFC provides specialty insurance through an MGA model, with technology products for startups through multinational businesses. Its U.S. technology materials describe combined liability and cyber protection, while California eligibility requires product-specific confirmation. 1,2,3,4
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. 9,10,11
What Is Crime Insurance?
Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. 13
Key Differences in Crime Insurance
Underwritten Package Versus Brokered Placement
CFC includes crime inside its US Management Liability package. HUB brokers commercial crime rather than underwriting the coverage; the insurer on a HUB quote varies by client and placement. 5 12
Public Companies and Other Legal Forms
CFC’s brochure lists US publicly traded companies among risks it declines for the package that carries this crime coverage, along with California-domiciled business. HUB says crime coverage is available for private, public and not-for-profit organizations. 5 12
Perils Each List Names
HUB lists employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds-transfer fraud, and cites industry statistics that organizations lose about 5% of revenue to fraud each year. CFC’s brochure describes company crime including employee theft, funds-transfer fraud, and credit-card and currency fraud, plus client crime and on- or off-premises theft; it does not list vendor theft as a named agreement on the reviewed pages. 12 5
Access and Unpublished Terms
HUB directs prospects to connect with a broker through its business-insurance contact page; no online quote flow is described. CFC provides a US claim-notification route and a dedicated adjuster. Neither HUB’s crime page nor CFC’s brochure publishes policy limits or deductibles, and neither names the issuing insurer for a given placement. 12 8 5 4
What to Confirm in Crime Insurance Quotes
- Ask HUB whether vendor theft and asset misappropriation are on the form, and which carrier is quoting. 12
- Ask CFC whether a public company or California-domiciled business is declined, and whether crime is the management or fintech package. 5 7
- Get limits and retentions from both; neither reviewed page publishes them. 12 5
- Confirm HUB’s placement path is advisor-led rather than an online bind. 12
Offering Details
CFC vs HUB International Crime Insurance: documented features by provider
| Criteria | CFC Crime | HUB International Crime Insurance Brokerage |
|---|---|---|
| Role in This Line | CFC includes crime coverage inside its US Management Liability package. The reviewed management-liability materials do not offer it as a standalone product within that package. 5,6Company-reported. Management-liability product page and brochure; package composition as CFC describes it. | HUB brokers commercial crime insurance rather than underwriting the coverage itself. 12Company-reported. Crime insurance product page as read 2026-09-23; the page does not name an issuing insurer. |
| Issuing Insurer | CFC's regulatory page discloses CFC Underwriting Limited's FCA authorization and CFC's Lloyd's Syndicate 1988, managed by Asta Managing Agency Ltd, but neither the regulatory page nor the management-liability brochure names the carrier or syndicate that would issue a given US crime policy. 4,5Not publicly disclosed. Regulatory information page and brochure 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. 12Not found in reviewed sources. Checked the crime insurance product page on 2026-09-23; no carrier is disclosed there. |
| Who It’s For | CFC's brochure lists California-domiciled business and US publicly traded companies among the risks it declines for the package that carries this crime coverage. 5Company-reported. Brochure's 'What we decline' list; underwriting still applies to any individual business. | HUB says crime coverage is available for private, public and not-for-profit organizations. 12Company-reported. Product-page organization-type list; not a published underwriting appetite by size or industry. |
| Coverage Features | CFC's brochure describes company crime cover including employee theft, funds transfer fraud, and credit card and currency fraud. 5Company-reported. Brochure's 'Crime cover' description; the issued policy wording determines the actual insuring agreements and any sub-limits. The brochure also lists client crime, meaning fraud by clients or their staff, and on-premises and off-premises theft, as part of the crime section. 5Company-reported. Brochure's 'Crime cover' description. CFC separately sells crime coverage for employee infidelity and third-party fraud within its fintech package. The reviewed pages do not state whether that fintech crime coverage is the same crime coverage sold inside the management-liability package. 7,5Company-reported. Fintech product page compared against the management-liability brochure; both accessed 2026-09-23. This does not establish overlap or difference in wording between the two products. | HUB lists crime coverage types it arranges as employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds transfer fraud. 12Company-reported. 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. 12Company-reported. 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 | The reviewed brochure does not publish a dollar limit, sublimit or retention for crime coverage. Those figures appear only on the quote and declarations. 5Not publicly disclosed. Brochure 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. 12Not publicly disclosed. 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. 12Company-reported. Product-page call to action as read 2026-09-23. |
| Claims Support | CFC provides a US claim-notification route by phone, email and online form, and says a dedicated claims adjuster manages a claim from notification through resolution. 8Company-reported. Claims page as read on 2026-09-23; not specific to crime claim outcomes or timing. | Not described in the reviewed sources. |
Full Comparison
More CFC vs HUB International Comparisons
Other Crime Insurance Comparisons
Sources
CFC
- About CFC. CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
- Technology. CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
- Technology — United States product brochure. CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
- Regulatory information. CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
- Management liability — United States product brochure. CFC; Crime cover; At a glance: What we like; What we decline; What else is in the policy? Accessed 2026-09-23.
- Management liability. CFC; Our management liability products: Management liability, Side A DIC. Accessed 2026-09-23.
- Fintech insurance. CFC; What does CFC's fintech policy cover? Crime coverage for employee infidelity and third-party fraud. Accessed 2026-09-23.
- Claims. CFC; Notify a claim or cyber incident; We're in it with you. Accessed 2026-09-23.
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. 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.
- Crime Insurance Brokers. 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
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
