Chubb vs 
HUB International Crime Insurance
Chubb underwrites ForeFront crime on ACE American paper for firms under 250 employees; HUB brokers commercial crime for private, public and not-for-profit organizations.
What Is Chubb?
Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. 1,2,3
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. 6,7,8
What Is Crime Insurance?
Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. 10
Key Differences in Crime Insurance
Named Underwriter Versus Broker
Chubb underwrites Crime as a ForeFront Portfolio part and names ACE American Insurance Company and U.S.-based Chubb affiliates. HUB brokers commercial crime rather than underwriting it; the crime page does not name an issuing insurer. 4 5 9
Private Mid-Market Appetite Versus Public and Nonprofit Access
On Chubb Marketplace, ForeFront’s target appetite is organizations with fewer than 250 employees and less than $50 million in revenue. HUB says crime coverage is available for private, public and not-for-profit organizations. 5 9
Vendor Theft and Other Named Types
HUB lists employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds-transfer fraud, and cites statistics that organizations lose about 5% of revenue to fraud each year. Chubb lists social-engineering fraud, employee theft including temporary and contracted workers, client theft, and funds-transfer fraud unreimbursed by the insured’s bank. 9 4
Marketplace Versus Broker Contact
ForeFront, including Crime, is available on Chubb Marketplace for digital quoting and binding. HUB directs prospects to connect with a broker through its business-insurance contact page; no online quote flow is described. Neither Chubb’s sheet nor HUB’s crime page publishes specific policy limits. 5 4 9
What to Confirm in Crime Insurance Quotes
- Ask HUB whether vendor theft and asset misappropriation are on the form, and which carrier is quoting. 9
- Confirm you fit Chubb’s ForeFront size band and get crime limits. 5 4
- Ask whether a public or not-for-profit buyer is in HUB’s stated availability and in ForeFront’s private-company-focused portfolio. 9 5
- Get limits and retentions from both. 9 4
Offering Details
Chubb vs HUB International Crime Insurance: documented features by provider
| Criteria | Chubb ForeFront Portfolio Crime Insurance | HUB International Crime Insurance Brokerage |
|---|---|---|
| Role in This Line | Chubb underwrites Crime Insurance as one of seven coverage parts within its ForeFront Portfolio for private companies, not-for-profit and healthcare organizations, insuring against theft and embezzlement by trusted employees and outsiders. 4Company-reported. ForeFront Portfolio Crime Insurance product sheet. | HUB brokers commercial crime insurance rather than underwriting the coverage itself. 9Company-reported. Crime insurance product page as read 2026-09-23; the page does not name an issuing insurer. |
| Issuing Insurer | Chubb's Crime Insurance product sheet states that insurance is provided by ACE American Insurance Company and its U.S.-based Chubb underwriting company affiliates. 4Company-reported. Product sheet insurer-disclosure footer; product and jurisdiction can still change which Chubb affiliate issues a given policy. | The crime insurance page does not name an issuing insurer; HUB places crime coverage with carriers that vary by client and placement. 9Not found in reviewed sources. Checked the crime insurance product page on 2026-09-23; no carrier is disclosed there. |
| Who It’s For | On Chubb Marketplace, the ForeFront Portfolio's target underwriting appetite is organizations with fewer than 250 employees and less than $50 million in revenue. 4Company-reported. Online Ease section; applies to Marketplace-quoted ForeFront business generally, not exclusively Crime coverage. | HUB says crime coverage is available for private, public and not-for-profit organizations. 9Company-reported. Product-page organization-type list; not a published underwriting appetite by size or industry. |
| Coverage Features | Chubb lists social engineering fraud, employee theft (including temporary and contracted workers), client theft of a client's money or property by an employee, and funds transfer fraud for losses from fraudulent electronic transfers unreimbursed by the insured's bank. 4Company-reported. Crime Risks: Real & Rising list; illustrated with claim scenarios, not policy wording. | HUB lists crime coverage types it arranges as employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds transfer fraud. 9Company-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. 9Company-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 product sheet illustrates claim scenarios with losses ranging from over $100,000 to over $1 million but does not publish specific policy limits, sublimits or retentions for Crime coverage. 4Not found in reviewed sources. Crime Insurance product sheet as read on 2026-09-23; illustrative claim examples, not policy terms. | Published policy limits, deductibles or premium information for HUB-placed crime coverage were not found on the product page. 9Not publicly disclosed. Checked the crime insurance product page on 2026-09-23; limits are set on the quote and declarations. |
| How to Apply | The ForeFront Portfolio, including Crime coverage, is available on Chubb Marketplace, Chubb's platform for quoting, binding and issuing business digitally. 4,5Company-reported. Online Ease section; agents and brokers use Marketplace to place the policy. | HUB directs prospects to connect with a broker through its business-insurance contact page; no online quote flow is described. 9Company-reported. Product-page call to action as read 2026-09-23. |
Full Comparison
More Chubb vs HUB International Comparisons
Other Crime Insurance Comparisons
Sources
Chubb
- Insurance For Technology Companies. Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
- Terms Of Use. Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
- Cyber Insurance Coverage & Products. Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
- The ForeFront Portfolio — Crime Insurance. Chubb; Crime Risks: Real & Rising claim-type list (Social Engineering Fraud, Employee Theft, Client Theft, Funds Transfer Fraud); Online Ease section on Chubb Marketplace; insurer disclosure line. Accessed 2026-09-23.
- The ForeFront Portfolio. Chubb; Available Coverages: Crime Insurance listed among the ForeFront Portfolio's seven coverage parts; Chubb Marketplace quoting. 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.
