---
title: "Embroker vs HUB International: Crime Insurance"
description: "Embroker fits smaller businesses seeking standalone crime or a BOP/D&O add-on; HUB serves private, public and nonprofit organizations and lists vendor theft, asset misappropriation and funds-transfer fraud."
canonical: "https://spot.insure/compare/embroker-vs-hub-international/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "embroker-vs-hub-international"
provider-a: "embroker"
provider-b: "hub-international"
coverage-line: "crime"
---

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

## Agent Guide

**What this page is:** Focused comparison of Embroker and HUB International for Crime Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Crime Insurance questions about Embroker versus HUB International. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Embroker vs HUB International for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Embroker or HUB International?
- What does Embroker or HUB International publish about Crime Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Crime Insurance. Providers: Embroker and HUB International.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Embroker vs HUB International](https://spot.insure/compare/embroker-vs-hub-international) — all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — how this coverage works
- [Embroker profile](https://spot.insure/insurance-providers/embroker) — provider profile
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile

# Embroker vs HUB International: How Do They Compare for Crime Insurance?

Embroker prices standalone crime on headcount, revenue and controls; HUB International is a broker citing fraud statistics, arranging cover for private, public and nonprofit organizations through a broker contact.

Embroker offers standalone crime or a BOP/D&O add-on and names exclusions; HUB brokers crime for private, public and nonprofit organizations, including vendor theft and asset misappropriation.

## Embroker vs HUB International Crime Insurance Summary

Embroker fits smaller businesses seeking standalone crime or a BOP/D&O add-on; HUB serves private, public and nonprofit organizations and lists vendor theft, asset misappropriation and funds-transfer fraud. [1](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [2](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

## What Are the Key Differences Between Embroker and HUB International Crime Insurance?

HUB’s crime page names public companies and nonprofits as eligible buyer types and lists vendor theft and asset misappropriation. Embroker spells out exclusions, including income loss and some cybercrime losses, which you can compare against your exposures. [2](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [1](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies")

### 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. [1](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [2](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. [1](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [2](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. [1](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [2](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

## What Should You Confirm in Embroker and HUB International Crime Insurance Quotes?

- Ask HUB whether vendor theft and asset misappropriation are on the issued form. [2](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. [1](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies")
- Compare Embroker’s published exclusions with HUB’s bound wording. [1](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [2](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. [2](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

## Embroker vs HUB International Crime Insurance Compared

| Criteria | Embroker Commercial Crime Insurance | HUB International Crime Insurance Brokerage |
| --- | --- | --- |
| 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. [1](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. [2](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. [1](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. [1](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. [1](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. [2](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. [2](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 us, and are general fraud statistics rather than HUB-specific claims data..) |
| 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. [1](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. [2](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..) |

## About Embroker and HUB International and Crime Insurance

- [Embroker company profile](https://spot.insure/insurance-providers/embroker) · [Embroker customer reviews](https://spot.insure/insurance-providers/embroker/reviews)
- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [What Is Crime Insurance?](https://spot.insure/coverage/crime)

## Related Pages for Embroker vs HUB International Crime Insurance

- [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 addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms.
- [Embroker Crime Insurance](https://spot.insure/insurance-providers/embroker/crime)
- [HUB International Crime Insurance](https://spot.insure/insurance-providers/hub-international/crime)

## Sources for Embroker vs HUB International Crime Insurance

### Sources About Embroker

1. [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.

### Sources About HUB International

2. [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.

Updated 2026-09-25. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/embroker-vs-hub-international/crime.md)
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- [Public MCP server](https://spot.insure/mcp)
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