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

Gallagher arranges crime with outside carriers, using an advisor form for small businesses and peer analysis for larger accounts' limits; HUB International brokers crime for private, public and not-for-profit organizations and cites fraud statistics.

Gallagher serves small businesses and uses peer analysis to set limits for larger accounts; HUB brokers crime for private, public and nonprofit organizations and lists vendor theft, asset misappropriation and funds-transfer fraud. ^1,^2,³

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

Two Gallagher Practices Versus One HUB Crime Page

Gallagher Small Business arranges Fidelity and Crime for small-business clients, while the group Executive and Financial Risk practice places the same coverage for larger accounts. HUB brokers commercial crime from a single product page aimed at private, public and not-for-profit organizations. Neither underwrites, and neither reviewed page names an issuing insurer. ¹ ² ³

Limit-Setting Method Versus Fraud Statistics

For larger accounts Gallagher says its methodology for setting crime limits includes peer analysis using third-party databases and an exposure index. 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 cases result in losses of $1 million or more; it does not publish a limit-setting method or policy limits. Gallagher also does not publish specific limits. ² ³

Peril Lists and Intake

Gallagher describes credit-card forgery, computer fraud, funds-transfer fraud, employee fraud, theft and destruction of property. HUB lists employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds-transfer fraud. Gallagher’s small-business page uses a Connect With An Advisor form. HUB directs prospects to connect with a broker and does not describe an online quote. ¹ ³

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

Ask Gallagher which practice is quoting and whether peer-analysis limits apply. ¹ ²
Ask HUB whether vendor theft and asset misappropriation are on the form. ³
Get both issuing carrier names. ¹ ³
Compare destruction-of-property on Gallagher with HUB’s asset-misappropriation wording. ¹ ³

Gallagher vs HUB International Crime Insurance Compared

Gallagher vs HUB International: Crime Insurance: documented features by provider

Criteria	Gallagher Small Business Fidelity and Crime Insurance	HUB International Crime Insurance Brokerage
Who It’s For	Gallagher recommends this coverage for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud, or destruction of personal property. ¹Company-reported. Small-business crime product page "Do you need Fidelity and Crime insurance?" list; actual acceptance depends on underwriting.	HUB says crime coverage is available for private, public and not-for-profit organizations. ³Company-reported. Product-page organization-type list; not a published underwriting appetite by size or industry.
How to Apply	The small-business crime page routes buyers to a Connect With An Advisor form asking for company details, business description, other coverage interests, employee count and annual revenue. ¹Company-reported. Product page inquiry form, inspected without submission.	HUB directs prospects to connect with a broker through its business-insurance contact page; no online quote flow is described. ³Company-reported. Product-page call to action as read 2026-09-23.
Coverage Features	Gallagher describes Fidelity and Crime insurance as covering losses from fraudulent or dishonest acts, including credit card forgery, computer fraud, funds-transfer fraud, employee fraud, theft and destruction of property. ¹Company-reported. Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions.	HUB lists crime coverage types it arranges as employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds transfer fraud. ³Company-reported. Product-page coverage list; the issued policy and its exclusions control an actual claim. 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. ³Company-reported. 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	Gallagher Small Business arranges Fidelity and Crime coverage with outside carriers for small-business clients; its group-level Executive and Financial Risk practice separately places the same coverage for larger accounts. Gallagher does not underwrite either policy. ^1,²Company-reported. Small-business crime product page and the group-level executive-risk practice page.	HUB brokers commercial crime insurance rather than underwriting the coverage itself. ³Company-reported. Crime insurance product page as read 2026-09-23; the page does not name an issuing insurer.