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

HUB International brokers crime for private, public and not-for-profit organizations through a broker contact page; CFC includes crime in a US management liability package that declines California-domiciled and US publicly traded companies.

CFC excludes California-domiciled and U.S. public companies from its crime package; HUB brokers crime for private, public and nonprofit organizations. ^1,^2,⁶

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

Broker Access Versus Package Eligibility

HUB brokers crime for private, public and nonprofit organizations. CFC includes crime in US Management Liability but declines California-domiciled and U.S. public companies. Choose HUB if you represent a private, public or nonprofit organization and want a broker to arrange crime cover; choose CFC if you meet its company eligibility and want crime packaged with management liability. ⁶ ¹

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. ⁶ ¹

Access and Unpublished Terms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. ⁶ ⁵ ¹ ⁴

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

Ask HUB whether vendor theft and asset misappropriation are on the form, and which carrier is quoting. ⁶
Ask CFC whether a public company or California-domiciled business is declined, and whether crime is the management or fintech package. ¹ ³
Get limits and retentions from both; neither reviewed page publishes them. ⁶ ¹
Confirm HUB’s placement path is advisor-led rather than an online bind. ⁶

CFC vs HUB International Crime Insurance Compared

CFC vs HUB International: Crime Insurance: documented features by provider

Criteria	CFC Crime	HUB International Crime Insurance Brokerage
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. ¹Company-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. ⁶Company-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. ¹Company-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. ¹Company-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. ^3,¹Company-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. ⁶Company-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. ⁶Company-reported. 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	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. ^1,²Company-reported. Management-liability product page and brochure; package composition as CFC describes it.	HUB brokers commercial crime insurance rather than underwriting the coverage itself. ⁶Company-reported. Crime insurance product page as read 2026-09-23; the page does not name an issuing insurer.

Criteria

CFC Crime

HUB International Crime Insurance Brokerage

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. ¹Company-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. ⁶Company-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. ¹Company-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. ¹Company-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. ^3,¹Company-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. ⁶Company-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. ⁶Company-reported. 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

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. ^1,²Company-reported. Management-liability product page and brochure; package composition as CFC describes it.

HUB brokers commercial crime insurance rather than underwriting the coverage itself. ⁶Company-reported. Crime insurance product page as read 2026-09-23; the page does not name an issuing insurer.