Coalition vs 
RiskCube: How Do They Compare for Crime Insurance?
RiskCube brokers crime for startups, with a roughly 10-minute digital intake and an aim of vendor-ready proof of coverage in about 24 hours; Coalition crime is sold only through appointed brokers to private and nonprofit organizations with up to 1,000 employees.
Coalition offers private and nonprofit U.S. buyers a possible $10 million per-line limit; RiskCube targets startups handling client funds and aims to provide vendor-ready proof within 24 hours. 2,1,3
What Are the Key Differences Between Coalition and RiskCube Crime Insurance?
Coalition sells Executive Risks crime through appointed brokers and says up to $10 million per line may be available. RiskCube targets startups handling client funds, payment data or distributed teams and aims to provide vendor-ready proof within 24 hours after a roughly 10-minute intake. Choose Coalition if you are an eligible private or nonprofit buyer seeking a higher stated limit; choose RiskCube if your startup needs vendor-ready proof quickly. 1 3
Named Program Versus Catalogue Brokerage
Coalition designs Executive Risks crime and sells it through appointed brokers, naming Zurich American as admitted paper. RiskCube brokers commercial crime as one catalogue line, comparing carrier options, and its disclosures say it is not a carrier and that third-party insurers issue the policies. 1 2 3 4
Who Each Page Talks About
Coalition’s FAQ frames private and not-for-profit U.S. organizations with asset and employee ceilings. RiskCube calls commercial crime essential for startups handling client funds, payment data or a distributed team, and describes protection against employee theft, fraud, forgery and social-engineering attacks. Coalition describes theft, fraud and certain cybercrimes. 1 3
Buying Path
Coalition buyers must use an appointed broker. RiskCube describes a roughly 10-minute digital intake, then AI agents and licensed brokers comparing carriers, aiming for vendor-ready proof of coverage in about 24 hours across catalogue lines including crime. 1 3
What Should You Confirm in Coalition and RiskCube Crime Insurance Quotes?
- Get RiskCube’s issuing carrier and limit; Coalition already publishes a per-line $10 million figure and Zurich as admitted paper. 4 2 1
- Ask whether RiskCube’s social-engineering wording and Coalition’s “certain cybercrimes” language overlap or leave gaps. 3 1
- Confirm Coalition’s private or not-for-profit caps versus RiskCube’s startup-funds appetite. 1 3
- Ask RiskCube what “about 24 hours” to proof of coverage means for crime specifically. 3
Coalition vs RiskCube Crime Insurance Compared
Coalition vs RiskCube: Crime Insurance: documented features by provider
| Criteria | Coalition Executive Risks — Crime Insurance | RiskCube Commercial Crime Insurance |
|---|---|---|
| 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. 1Company-reported. Executive Risks FAQ as read on 2026-09-23. | RiskCube calls commercial crime coverage "essential for startups handling client funds, payment data, or operating with a distributed team." 3Company-reported. Catalogue Commercial Crime card. |
| How to Apply | Coalition distributes Executive Risks, including crime, only through appointed insurance brokers rather than direct to buyers. 1Company-reported. Executive Risks product page as read on 2026-09-23. | RiskCube describes a roughly 10-minute digital intake followed by its AI agents and licensed brokers comparing top-rated carriers, aiming for vendor-ready proof of coverage in about 24 hours across the coverage types in its catalogue, including commercial crime. 3Company-reported. Catalogue process section; the timing is a general claim about the catalogue's application flow, not commercial-crime-specific. |
| 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. 1Company-reported. Executive Risks product page as read on 2026-09-23; the issued policy controls which cybercrime scenarios are actually covered. | RiskCube describes commercial crime coverage as protecting a startup against financial losses caused by employee theft, fraud, forgery and social-engineering attacks. 3Company-reported. Catalogue Commercial Crime card summary. |
| 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. 1Company-reported. Executive Risks product page as read on 2026-09-23. | RiskCube brokers commercial crime coverage as one of the lines in its startup insurance catalogue, comparing carrier options rather than underwriting the policy itself. 3Company-reported. Catalogue coverage-type list and lead paragraph; RiskCube did not publish a separate commercial crime landing page as of 2026-09-23. |
| 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. 2Company-reported. U.S. Disclaimers page as read on 2026-09-23. | RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including commercial crime, are underwritten and issued by third-party carriers it does not name. 4Company-reported. Company-wide entity and licensing disclosure; no carrier is identified for commercial crime specifically. |
