---
title: "Gallagher vs HUB International Crime Insurance"
description: "Gallagher splits small-business Fidelity and Crime from a larger-account limit method; HUB brokers crime for private, public and not-for-profit organizations including vendor theft."
canonical: "https://spot.insure/compare/gallagher-vs-hub-international/crime"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Gallagher vs HUB International Crime Insurance

Gallagher splits small-business Fidelity and Crime from a larger-account limit method; HUB brokers crime for private, public and not-for-profit organizations including vendor theft.

## Research Scope and Use

Use this comparison to evaluate Gallagher 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

Gallagher Small Business arranges Fidelity and Crime with outside carriers; for larger accounts it describes setting limits with peer analysis and an exposure index. HUB brokers crime for private, public and not-for-profit organizations and lists employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds-transfer fraud. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [10](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

## What Is Gallagher?

Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [2](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [5](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## 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. [7](https://www.hubinternational.com/about-us/ "About Us") [8](https://www.hubinternational.com/contact-us/ "Contact Us") [9](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. [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in 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. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [10](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

### 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. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [10](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

### 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. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [10](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

## What to Confirm in Crime Insurance Quotes

- Ask Gallagher which practice is quoting and whether peer-analysis limits apply. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Ask HUB whether vendor theft and asset misappropriation are on the form. [10](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")
- Get both issuing carrier names. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [10](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")
- Compare destruction-of-property on Gallagher with HUB’s asset-misappropriation wording. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [10](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

## Offering Details

| Criteria | Gallagher Small Business Fidelity and Crime Insurance | HUB International Crime Insurance Brokerage |
| --- | --- | --- |
| 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. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Small-business crime product page and the group-level executive-risk practice page..) | HUB brokers commercial crime insurance rather than underwriting the coverage itself. [10](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 | 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](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: 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. [10](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 | Gallagher recommends this coverage for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud, or destruction of personal property. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: 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. [10](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 | 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. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: 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. [10](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. [10](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 | Neither page publishes specific crime coverage limits or premium ranges. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: 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. [10](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..) |
| Risk Services | 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. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-risk practice page; not confirmed as applied to the small-business product..) | Not described in the reviewed sources. |
| 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. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: 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. [10](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

- [Gallagher vs HUB International](https://spot.insure/compare/gallagher-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.
- [Gallagher vs HUB International Business Owner’s Policy](https://spot.insure/compare/gallagher-vs-hub-international/business-owners-policy)
- [Gallagher vs HUB International Commercial Auto Insurance](https://spot.insure/compare/gallagher-vs-hub-international/commercial-auto)
- [Gallagher vs HUB International Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-hub-international/commercial-property)
- [Gallagher vs HUB International Cyber Insurance](https://spot.insure/compare/gallagher-vs-hub-international/cyber)
- [Gallagher vs HUB International D&O Insurance](https://spot.insure/compare/gallagher-vs-hub-international/directors-officers)
- [Gallagher vs HUB International Employee Health Benefits](https://spot.insure/compare/gallagher-vs-hub-international/employee-health-benefits)
- [Gallagher vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/gallagher-vs-hub-international/employment-practices)
- [Gallagher vs HUB International Fidelity Bonds](https://spot.insure/compare/gallagher-vs-hub-international/fidelity-bonds)
- [Gallagher vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/gallagher-vs-hub-international/fiduciary)
- [Gallagher vs HUB International General Liability Insurance](https://spot.insure/compare/gallagher-vs-hub-international/general-liability)
- [Gallagher vs HUB International Kidnap and Ransom Insurance](https://spot.insure/compare/gallagher-vs-hub-international/kidnap-ransom)
- [Gallagher vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/gallagher-vs-hub-international/professional-errors-omissions)
- [Gallagher vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/gallagher-vs-hub-international/representations-warranties)
- [Gallagher vs HUB International Surety Bonds](https://spot.insure/compare/gallagher-vs-hub-international/surety-bonds)
- [Gallagher vs HUB International Tech E&O Insurance](https://spot.insure/compare/gallagher-vs-hub-international/technology-errors-omissions)
- [Gallagher vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/gallagher-vs-hub-international/umbrella-excess)
- [Gallagher vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/gallagher-vs-hub-international/workers-compensation)
- [Alliance Risk vs Gallagher Crime Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/crime)
- [Alliance Risk vs HUB International Crime Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/crime)
- [Beazley vs Gallagher Crime Insurance](https://spot.insure/compare/beazley-vs-gallagher/crime)
- [Beazley vs HUB International Crime Insurance](https://spot.insure/compare/beazley-vs-hub-international/crime)
- [CFC vs Gallagher Crime Insurance](https://spot.insure/compare/cfc-vs-gallagher/crime)
- [CFC vs HUB International Crime Insurance](https://spot.insure/compare/cfc-vs-hub-international/crime)

## Sources

### Gallagher

1. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
2. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Employee Dishonesty (Crime) and Fidelity Bond insurance section. Accessed 2026-09-23.
4. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
5. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
6. [Crime](https://www.gallaghersmallbusiness.com/insurance-products/crime/). Gallagher Small Business; Coverage Overview; Do you need Fidelity and Crime insurance?; Connect With An Advisor form. Accessed 2026-09-23.

### HUB International

7. [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.
8. [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.
9. [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.
10. [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

11. [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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