---
title: "HUB International vs Lockton: Crime Insurance"
description: "HUB serves private, public and nonprofit organizations and lists vendor theft, forgery and funds-transfer fraud; Lockton serves those groups with a dedicated crime claims team and flags financial-institution bonds as a separate product."
canonical: "https://spot.insure/compare/hub-international-vs-lockton/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "hub-international-vs-lockton"
provider-a: "hub-international"
provider-b: "lockton"
coverage-line: "crime"
---

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

## Agent Guide

**What this page is:** Focused comparison of HUB International and Lockton 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 HUB International versus Lockton. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Crime Insurance. Providers: HUB International and Lockton.
- 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:**
- [HUB International vs Lockton](https://spot.insure/compare/hub-international-vs-lockton) — all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — how this coverage works
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile

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

Both are brokers. HUB International lists vendor theft and asset misappropriation and cites fraud statistics; Lockton lists employee theft, counterfeit currency and social engineering and runs claims through an in-house team.

HUB serves private, public and nonprofit organizations and lists vendor theft; Lockton names a dedicated crime claims team and a financial-institution bond distinction.

## HUB International vs Lockton Crime Insurance Summary

HUB serves private, public and nonprofit organizations and lists vendor theft, forgery and funds-transfer fraud; Lockton serves those groups with a dedicated crime claims team and flags financial-institution bonds as a separate product. [1](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [2](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

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

For a financial institution, Lockton says a financial institution bond may be required instead of general crime coverage. HUB names vendor theft and asset misappropriation among its covered crime types; neither broker publishes limits. [2](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [1](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

### Two Brokered Crime Programs

HUB brokers commercial crime insurance rather than underwriting it. Lockton places Crime and Fidelity to protect businesses against losses from theft, fraud, forgery and embezzlement by employees or third parties and describes this as a brokered program, not a policy Lockton underwrites. HUB’s crime page does not name an issuing insurer; Lockton’s page also does not name the insurers it places with. [1](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [2](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

### Vendor Theft Versus Social Engineering and FI Bonds

HUB lists employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds-transfer fraud. Lockton lists employee theft, forgery or alteration of negotiable instruments, theft on or off premises, computer fraud, counterfeit currency, and social-engineering impersonation fraud involving customers, vendors or employees. [1](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [2](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

### Private, Public and Nonprofit Buyers

HUB says crime coverage is available for private, public and not-for-profit organizations. Lockton says crime coverage is relevant to nonprofit, private and public organizations of any sector and calls out small businesses as particularly exposed because they often lack fraud-prevention and auditing resources. Neither page publishes policy limits, deductibles or premiums. [1](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [2](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

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

- Ask HUB whether vendor theft is on the form; ask Lockton whether social-engineering impersonation and on-or-off-premises theft are on the form. [1](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [2](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")
- If you are a financial institution, ask Lockton whether a financial institution bond is required. [2](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")
- Ask how Lockton’s Professional & Executive Risk Claims team would handle a crime claim compared with HUB’s broker contact path. [2](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [1](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")
- Get the writing company and limits from both. [1](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [2](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

## HUB International vs Lockton Crime Insurance Compared

| Criteria | HUB International Crime Insurance Brokerage | Lockton Crime and Fidelity Insurance Brokerage |
| --- | --- | --- |
| Who It’s For | HUB says crime coverage is available for private, public and not-for-profit organizations. [1](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..) | Lockton says crime coverage is relevant to nonprofit, private and public organizations of any sector, and calls out small businesses as particularly exposed because they often lack fraud-prevention and auditing resources. It also notes financial institutions are frequently required to carry a financial institution bond, distinct from general crime coverage. [2](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Crime and Fidelity product page as read 2026-09-23..) |
| Coverage Features | HUB lists crime coverage types it arranges as employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds transfer fraud. [1](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. [1](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..) | Lockton lists the claim types a crime and fidelity program is meant to address: employee theft, forgery or alteration of negotiable instruments, theft on or off premises, computer fraud, counterfeit currency, and social engineering (impersonation) fraud involving customers, vendors or employees. [2](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Product page as read 2026-09-23; a capability/claim-type list, not a specimen policy..) |
| Role in This Line | HUB brokers commercial crime insurance rather than underwriting the coverage itself. [1](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..) | Lockton places Crime and Fidelity insurance to protect businesses against financial losses from theft, fraud, forgery and embezzlement by employees or third parties; it describes this as a brokered program, not a policy Lockton underwrites. [2](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Crime and Fidelity product page as read 2026-09-23..) |

## About HUB International and Lockton and Crime Insurance

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

## Related Pages for HUB International vs Lockton Crime Insurance

- [HUB International vs Lockton](https://spot.insure/compare/hub-international-vs-lockton): 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.
- [HUB International Crime Insurance](https://spot.insure/insurance-providers/hub-international/crime)
- [Lockton Crime Insurance](https://spot.insure/insurance-providers/lockton/crime)

## Sources for HUB International vs Lockton Crime Insurance

### Sources About HUB International

1. [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.

### Sources About Lockton

2. [Crime and Fidelity Insurance](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance). Lockton; What is Crime and Fidelity Insurance?; Who needs to purchase Crime and Fidelity Insurance?; Types of Crime and Fidelity claims; Claims management. 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/hub-international-vs-lockton/crime.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)