---
title: "Embroker vs HUB International Crime Insurance"
description: "Embroker publishes crime exclusions and a fidelity-bond distinction; HUB brokers crime for private, public and not-for-profit organizations and lists vendor theft."
canonical: "https://spot.insure/compare/embroker-vs-hub-international/crime"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Embroker vs HUB International Crime Insurance

Embroker publishes crime exclusions and a fidelity-bond distinction; HUB brokers crime for private, public and not-for-profit organizations and lists vendor theft.

## Research Scope and Use

Use this comparison to evaluate Embroker 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

Embroker sells commercial crime standalone or as a BOP/D&O endorsement, lists social-engineering and digital fraud, and names exclusions such as income loss. HUB brokers crime for private, public and not-for-profit organizations and includes vendor theft and asset misappropriation among the coverage types it arranges. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

## What Is Embroker?

Embroker is a business insurance broker and online platform serving startups, technology companies and professional-services firms, with proprietary programs and broker-assisted placements. [1](https://www.embroker.com/ "Embroker") [2](https://www.embroker.com/terms/ "Terms And Conditions") [3](https://access.embroker.com/ "Embroker Access")

[Embroker profile](https://spot.insure/insurance-providers/embroker)

## 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. [5](https://www.hubinternational.com/about-us/ "About Us") [6](https://www.hubinternational.com/contact-us/ "Contact Us") [7](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. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Crime Insurance

### Product Page Versus Brokered Placement

Embroker sells commercial crime as a standalone policy or, for some smaller businesses, as a BOP or D&O endorsement. HUB brokers commercial crime rather than underwriting it, and its crime page does not name an issuing insurer. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

### Peril Lists That Do Not Match One-for-One

Embroker lists employee theft including shoplifting, third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social-engineering fraud, and it publishes exclusions for income loss, executive-employee collusion, third-party liabilities and certain cybercrime involving patents, trade secrets or customer lists. HUB lists employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds-transfer fraud, and cites industry statistics that organizations lose about 5% of revenue to fraud yearly. HUB’s reviewed page does not publish those exclusions. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

### Buyer Types and Quote Path

Embroker highlights cash, part-time staff, inventory, expensive equipment and customer data. HUB says crime coverage is available for private, public and not-for-profit organizations. Embroker’s crime page uses a general Get a Quote link. HUB directs prospects to connect with a broker; no online quote flow is described. Embroker also distinguishes fidelity bonds that can reimburse customers. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [8](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 are on the issued form. [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")
- Ask Embroker whether the quote is standalone, an endorsement, or a fidelity bond. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies")
- Compare Embroker’s published exclusions with HUB’s bound wording. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")
- Get HUB’s issuing carrier name; the product page does not disclose it. [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

## Offering Details

| Criteria | Embroker Commercial Crime Insurance | HUB International Crime Insurance Brokerage |
| --- | --- | --- |
| Role in This Line | Embroker sells commercial crime as a standalone policy and says smaller businesses sometimes add crime coverage as an endorsement to a BOP or a directors and officers policy instead. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page description; not a statement about the issuing insurer..) | HUB brokers commercial crime insurance rather than underwriting the coverage itself. [8](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 | Not described in the reviewed sources. | The crime insurance page does not name an issuing insurer; HUB places crime coverage with carriers that vary by client and placement. [8](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 | Embroker points to businesses that hire part-time staff, handle cash transactions, manage inventory or expensive equipment, or handle customer data and digital transactions as more exposed and more likely to need the coverage. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page 'Who benefits most' section; not a formal underwriting appetite statement..) | HUB says crime coverage is available for private, public and not-for-profit organizations. [8](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 | Embroker lists coverage for employee theft (including shoplifting, embezzlement and larceny), third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social engineering fraud. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page What's covered section; the issued policy and declarations control..)<br><br>Embroker says the policy excludes loss of income, indirect losses, crimes committed by executives or partners in coordination with employees, third-party liabilities from crime losses, and cybercrime losses involving stolen patents, trade secrets or customer lists. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page What's not included section..)<br><br>Embroker distinguishes fidelity bonds from crime insurance: it says a crime policy typically carries higher limits, while a fidelity bond can reimburse customers who suffer crime-related damages. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page FAQ comparing fidelity bonds and commercial crime insurance..) | HUB lists crime coverage types it arranges as employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds transfer fraud. [8](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. [8](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 | Embroker says crime insurance pricing depends on factors like employee count and locations, revenue, office security measures and financial controls, and that fidelity bonds typically cost 0.5% to 2% of the bond value; it does not publish standard policy limits. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page 'What does Commercial Crime insurance cost?' section..) | Published policy limits, deductibles or premium information for HUB-placed crime coverage were not found on the product page. [8](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 | The reviewed crime page does not describe a dedicated online quote flow for crime insurance the way Embroker's BOP and general liability pages do; it directs buyers to a general 'Get a Quote' link. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Not publicly disclosed; scope: 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. [8](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

- [Embroker vs HUB International](https://spot.insure/compare/embroker-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.
- [Embroker vs HUB International Business Owner’s Policy](https://spot.insure/compare/embroker-vs-hub-international/business-owners-policy)
- [Embroker vs HUB International Commercial Auto Insurance](https://spot.insure/compare/embroker-vs-hub-international/commercial-auto)
- [Embroker vs HUB International Commercial Property Insurance](https://spot.insure/compare/embroker-vs-hub-international/commercial-property)
- [Embroker vs HUB International Cyber Insurance](https://spot.insure/compare/embroker-vs-hub-international/cyber)
- [Embroker vs HUB International D&O Insurance](https://spot.insure/compare/embroker-vs-hub-international/directors-officers)
- [Embroker vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/embroker-vs-hub-international/employment-practices)
- [Embroker vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/embroker-vs-hub-international/fiduciary)
- [Embroker vs HUB International General Liability Insurance](https://spot.insure/compare/embroker-vs-hub-international/general-liability)
- [Embroker vs HUB International Key Person Insurance](https://spot.insure/compare/embroker-vs-hub-international/key-person)
- [Embroker vs HUB International Management Liability Insurance](https://spot.insure/compare/embroker-vs-hub-international/management-liability)
- [Embroker vs HUB International Product Liability Insurance](https://spot.insure/compare/embroker-vs-hub-international/product-liability)
- [Embroker vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/embroker-vs-hub-international/professional-errors-omissions)
- [Embroker vs HUB International Surety Bonds](https://spot.insure/compare/embroker-vs-hub-international/surety-bonds)
- [Embroker vs HUB International Tech E&O Insurance](https://spot.insure/compare/embroker-vs-hub-international/technology-errors-omissions)
- [Embroker vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/embroker-vs-hub-international/workers-compensation)
- [Alliance Risk vs Embroker Crime Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/crime)
- [Alliance Risk vs HUB International Crime Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/crime)
- [Beazley vs Embroker Crime Insurance](https://spot.insure/compare/beazley-vs-embroker/crime)
- [Beazley vs HUB International Crime Insurance](https://spot.insure/compare/beazley-vs-hub-international/crime)
- [CFC vs Embroker Crime Insurance](https://spot.insure/compare/cfc-vs-embroker/crime)
- [CFC vs HUB International Crime Insurance](https://spot.insure/compare/cfc-vs-hub-international/crime)

## Sources

### Embroker

1. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
2. [Terms And Conditions](https://www.embroker.com/terms/). Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
3. [Embroker Access](https://access.embroker.com/). Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
4. [Commercial Crime Insurance: Coverage & Policies](https://www.embroker.com/coverage/commercial-crime-insurance/). Embroker; Why it's essential; Who needs this coverage; What is Commercial Crime insurance?; What's covered; What's not included; What's the difference between Fidelity Bonds and Commercial Crime insurance?; What does Commercial Crime insurance cost?. Accessed 2026-09-23.

### HUB International

5. [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.
6. [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.
7. [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.
8. [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

9. [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/embroker-vs-hub-international/crime.md)
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