Gallagher vs HUB International Crime Insurance

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. ^6,3Company-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. ¹⁰Company-reported. Crime insurance product page as read 2026-09-23; the page does not name an issuing insurer.

Neither the small-business crime page nor the executive-risk practice page names the insurer that would issue a given client's crime policy. ^6,3Not publicly disclosed. Checked both pages on 2026-09-23.

The crime insurance page does not name an issuing insurer; HUB places crime coverage with carriers that vary by client and placement. ¹⁰Not found in reviewed sources. Checked the crime insurance product page on 2026-09-23; no carrier is disclosed there.

Gallagher recommends this coverage for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud, or destruction of personal property. ⁶Company-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. ¹⁰Company-reported. Product-page organization-type list; not a published underwriting appetite by size or industry.

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. ⁶Company-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. ¹⁰Company-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. ¹⁰Company-reported. Product-page statistics are company-cited figures, not independently verified by Spot, and are general fraud statistics rather than HUB-specific claims data.

Neither page publishes specific crime coverage limits or premium ranges. ^6,3Not publicly disclosed. Checked both pages on 2026-09-23.

Published policy limits, deductibles or premium information for HUB-placed crime coverage were not found on the product page. ¹⁰Not publicly disclosed. Checked the crime insurance product page on 2026-09-23; limits are set on the quote and declarations.

For larger accounts, Gallagher says its methodology for setting crime coverage limits includes peer analysis using third-party databases and an exposure index developed by the Surety Association of America with the American Institute of Accountants. ³Company-reported. Group-level executive-risk practice page; not confirmed as applied to the small-business product.

Not described in the reviewed sources.

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. ⁶Company-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. ¹⁰Company-reported. Product-page call to action as read 2026-09-23.