Coalition vs 
HUB International Crime Insurance
Coalition’s Executive Risks crime names Zurich paper and a $10 million cap; HUB brokers crime including vendor theft and does not name a carrier.
What Is Coalition Insurance?
Coalition offers cyber insurance and technology E&O alongside cyber risk-management services. Its U.S. products are distributed through insurance producers, with separate admitted and surplus-lines routes and an executive-risk product suite. 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. 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
Distributor With Named Paper Versus Broker Without a Named Market
Coalition designs Executive Risks crime and sells it through appointed brokers, naming Zurich American as admitted paper and unaffiliated surplus as another route. HUB brokers commercial crime rather than underwriting it, and its crime page does not name an issuing insurer; carriers vary by client. 4 5 9
Perils HUB Lists That Coalition Does Not Itemize
HUB lists employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds transfer fraud. Coalition’s Executive Risks page describes theft, fraud and certain cybercrimes without that agreement-by-agreement list, and it flags exclusions and limitations. 9 4
Size Caps Versus Organization Types
Coalition’s FAQ attaches Executive Risks crime to private and not-for-profit U.S. organizations, with employee, asset and plan-asset ceilings. HUB says crime is available for private, public and not-for-profit organizations and does not publish a size appetite. Coalition publishes a possible $10 million per-line limit; HUB’s page does not publish limits, deductibles or premiums. 4 9
How You Reach Each Firm
Coalition requires an appointed broker. HUB directs prospects to connect with a broker through its business-insurance contact page and does not describe an online quote flow. HUB also cites industry fraud statistics to frame demand; Coalition’s crime copy is product description rather than those industry figures. 4 9
What to Confirm in Crime Insurance Quotes
- Ask HUB whether vendor theft and asset misappropriation appear on the bound form, which Coalition’s public page does not list by name. 9 4
- Get HUB’s issuing carrier and limit; Coalition’s public $10 million figure is a suite maximum, not a quote. 9 4
- Confirm Coalition’s admitted versus surplus route. 5
- If you are a public company, HUB lists that organization type; Coalition’s FAQ names private and not-for-profit buyers. 9 4
Offering Details
Coalition vs HUB International Crime Insurance: documented features by provider
| Criteria | Coalition Executive Risks — Crime Insurance | HUB International Crime Insurance Brokerage |
|---|---|---|
| Role in This Line | Coalition designs and distributes crime insurance as one of four coverages in its Executive Risks product suite, sold through appointed brokers. 4Company-reported. Executive Risks product page as read on 2026-09-23. | 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 | Coalition's disclaimer names Zurich American Insurance Company (NAIC 16535) as the admitted carrier for Executive Risks, and says Coalition Insurance Solutions, Inc. also places Executive Risks with unaffiliated insurers on a non-admitted basis, so the carrier for a specific crime policy depends on the placement route. 5Company-reported. U.S. Disclaimers page 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. 9Not found in reviewed sources. Checked the crime insurance product page on 2026-09-23; no carrier is disclosed there. |
| Who It’s For | Coalition says Executive Risks products, including crime, are available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees, and up to $500 million in plan assets. 4Company-reported. Executive Risks FAQ as read on 2026-09-23. | 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 | Coalition says its crime coverage responds to losses from criminal activities including theft, fraud, and certain cybercrimes, flagged on the page as subject to exclusions and limitations. 4Company-reported. Executive Risks product page as read on 2026-09-23; the issued policy controls which cybercrime scenarios are actually covered. | 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 | Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including crime, subject to exclusions and limitations. 4Company-reported. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant. | 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 | Coalition distributes Executive Risks, including crime, only through appointed insurance brokers rather than direct to buyers. 4Company-reported. Executive Risks product page as read on 2026-09-23. | 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 Coalition vs HUB International Comparisons
Other Crime Insurance Comparisons
Sources
Coalition
- Tech E&O Insurance Coverage. Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16.
- U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
- Are there any differences between Coalition’s admitted and surplus lines products? Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
- Executive Risks. Coalition; Product Offering: Crime — covers losses that result from various criminal activities, including theft, fraud, and certain cybercrimes* (exclusions and limitations apply; see disclaimers and the policy as issued); FAQ: What type of businesses do you protect?, What limits do you offer?, What resources do you have for policyholders? Accessed 2026-09-23.
- U.S. Disclaimers. Coalition; Admitted Executive Risk: insurance products offered by Coalition Insurance Solutions, Inc. acting on behalf of unaffiliated insurance companies and, on an admitted basis, on behalf of Zurich American Insurance Company (NAIC # 16535). 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.
