Coalition vs 
RiskCube Crime Insurance
Coalition’s Executive Risks crime names Zurich paper and a $10 million cap; RiskCube brokers startup crime through a digital catalogue without published limits.
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 RiskCube Insurance?
RiskCube offers startup insurance brokerage through RiskCube Insurance Services, LLC, with a platform for comparing quotes and managing policies. Its published services emphasize vendor requirements, certificates and renewals; California product eligibility and applicable fees require confirmation. 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 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. 4 5 9 8
Published Limit Versus Undisclosed Figures
Coalition says limits up to $10 million per coverage line may be available. RiskCube’s catalogue does not publish crime limits or retentions. 4 9
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. 4 9
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. 4 9
What to Confirm in Crime Insurance Quotes
- Get RiskCube’s issuing carrier and limit; Coalition already publishes a per-line $10 million figure and Zurich as admitted paper. 8 5 4
- Ask whether RiskCube’s social-engineering wording and Coalition’s “certain cybercrimes” language overlap or leave gaps. 9 4
- Confirm Coalition’s private or not-for-profit caps versus RiskCube’s startup-funds appetite. 4 9
- Ask RiskCube what “about 24 hours” to proof of coverage means for crime specifically. 9
Offering Details
Coalition vs RiskCube Crime Insurance: documented features by provider
| Criteria | Coalition Executive Risks — Crime Insurance | RiskCube Commercial Crime Insurance |
|---|---|---|
| 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. | RiskCube brokers commercial crime coverage as one of the lines in its startup insurance catalogue, comparing carrier options rather than underwriting the policy itself. 9Company-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. 5Company-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. 8Company-reported. Company-wide entity and licensing disclosure; no carrier is identified for commercial crime specifically. |
| 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. | RiskCube calls commercial crime coverage "essential for startups handling client funds, payment data, or operating with a distributed team." 9Company-reported. Catalogue Commercial Crime card. |
| 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. | RiskCube describes commercial crime coverage as protecting a startup against financial losses caused by employee theft, fraud, forgery and social-engineering attacks. 9Company-reported. Catalogue Commercial Crime card summary. |
| 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. | RiskCube's catalogue does not publish specific limit or retention amounts for commercial crime. 9Not publicly disclosed. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available to check for a limits table. |
| Risk Services | Not described in the reviewed sources. | The reviewed catalogue page does not describe risk-control or other services specific to commercial crime, such as fidelity-fraud prevention programs. 9Not found in reviewed sources. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available. |
| 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. | 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. 9Company-reported. Catalogue process section; the timing is a general claim about the catalogue's application flow, not commercial-crime-specific. |
| Claims Support | Not described in the reviewed sources. | The reviewed catalogue page does not describe claims handling specific to commercial crime. 9Not found in reviewed sources. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available. |
Full Comparison
More Coalition vs RiskCube 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.
RiskCube
- Startup Business Insurance. RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
- Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
- Disclosures & Compensation. RiskCube; Section 1, Entity and Licensing Disclosure: "RiskCube is not an insurance carrier and does not underwrite insurance. Insurance coverage is offered, underwritten, and issued by third-party insurance carriers". Accessed 2026-09-23.
- Startup Insurance Coverage. RiskCube; Commercial Crime card: "Protects your startup from financial losses caused by employee theft, fraud, forgery, and social engineering attacks. Essential for startups handling client funds, payment data, or operating with a distributed team"; catalogue intro and process steps. Accessed 2026-09-23.
Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
