---
title: "Coalition vs HUB International Crime Insurance"
description: "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."
canonical: "https://spot.insure/compare/coalition-vs-hub-international/crime"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/coalition-vs-hub-international/crime)

# 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.

## Research Scope and Use

Use this comparison to evaluate Coalition and HUB International for Crime Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Coalition distributes crime in Executive Risks with Zurich American as named admitted paper and limits up to $10 million per line. HUB brokers commercial crime—listing employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds transfer fraud—without naming an issuing insurer. [5](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [9](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

## 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](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [2](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation") [3](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-Are-there-any-differences-between-Coalition-s-admitted-and-surplus-lines-products "Are there any differences between Coalition’s admitted and surplus lines products?") [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

[Coalition profile](https://spot.insure/insurance-providers/coalition)

## 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](https://www.hubinternational.com/about-us/ "About Us") [7](https://www.hubinternational.com/contact-us/ "Contact Us") [8](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## What Is Crime Insurance?

Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [5](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [9](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

### 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](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

### 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [9](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

### 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](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") [9](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

## 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](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")
- Get HUB’s issuing carrier and limit; Coalition’s public $10 million figure is a suite maximum, not a quote. [9](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")
- Confirm Coalition’s admitted versus surplus route. [5](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")
- If you are a public company, HUB lists that organization type; Coalition’s FAQ names private and not-for-profit buyers. [9](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

## Offering Details

| 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks product page as read on 2026-09-23..) | HUB brokers commercial crime insurance rather than underwriting the coverage itself. [9](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Company-reported; scope: 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. [5](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") (Evidence: Company-reported; scope: 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. [9](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Not found in reviewed sources; scope: 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: Executive Risks FAQ as read on 2026-09-23..) | HUB says crime coverage is available for private, public and not-for-profit organizations. [9](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Company-reported; scope: 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [9](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Company-reported; scope: Product-page coverage list; the issued policy and its exclusions control an actual claim..)<br><br>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. [9](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Company-reported; scope: 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [9](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Not publicly disclosed; scope: 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. [4](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") (Evidence: Company-reported; scope: 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. [9](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23..) |

## Full Comparison

- [Coalition vs HUB International](https://spot.insure/compare/coalition-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance can help recover business losses from specified theft and fraud, including employee theft, forgery and payment fraud.
- [Coalition vs HUB International Cyber Insurance](https://spot.insure/compare/coalition-vs-hub-international/cyber)
- [Coalition vs HUB International D&O Insurance](https://spot.insure/compare/coalition-vs-hub-international/directors-officers)
- [Coalition vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/coalition-vs-hub-international/employment-practices)
- [Coalition vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/coalition-vs-hub-international/fiduciary)
- [Coalition vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/coalition-vs-hub-international/professional-errors-omissions)
- [Coalition vs HUB International Tech E&O Insurance](https://spot.insure/compare/coalition-vs-hub-international/technology-errors-omissions)
- [Alliance Risk vs Coalition Crime Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/crime)
- [Alliance Risk vs HUB International Crime Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/crime)
- [Beazley vs Coalition Crime Insurance](https://spot.insure/compare/beazley-vs-coalition/crime)
- [Beazley vs HUB International Crime Insurance](https://spot.insure/compare/beazley-vs-hub-international/crime)
- [CFC vs Coalition Crime Insurance](https://spot.insure/compare/cfc-vs-coalition/crime)
- [CFC vs HUB International Crime Insurance](https://spot.insure/compare/cfc-vs-hub-international/crime)

## Sources

### Coalition

1. [Tech E&O Insurance Coverage](https://www.coalitioninc.com/technology-errors-and-omissions-insurance). 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.
2. [U.S. Producer Compensation](https://www.coalitioninc.com/legal/producer-compensation). Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
3. [Are there any differences between Coalition’s admitted and surplus lines products?](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-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.
4. [Executive Risks](https://www.coalitioninc.com/executive-risks-insurance). 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.
5. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). 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

6. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
7. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
8. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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.
9. [Crime Insurance Brokers](https://www.hubinternational.com/products/business-insurance/crime-insurance/). 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

10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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- [Markdown page](https://spot.insure/compare/coalition-vs-hub-international/crime.md)
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