HUB International vs 
RiskCube: How Do They Compare for Crime Insurance?
Startups get RiskCube, which targets them with a roughly 10-minute intake and an aim of proof of coverage in about 24 hours; HUB International brokers crime for private, public and not-for-profit organizations through a broker contact page.
HUB serves private, public and nonprofit organizations with named perils such as vendor theft; RiskCube targets startups handling client funds or payment data with a short digital intake and proof goal of about 24 hours. 1,2
What Are the Key Differences Between HUB International and RiskCube Crime Insurance?
RiskCube’s 24-hour goal is for vendor-ready proof, not a stated bound-policy turnaround; it also publishes no crime limit. HUB names six crime types, including vendor theft and funds-transfer fraud, but routes buyers to a broker. 2 1
Broker Contact Versus Digital Catalogue Intake
HUB brokers commercial crime insurance rather than underwriting it and directs prospects to connect with a broker through its business-insurance contact page, with no online quote flow described. RiskCube brokers commercial crime as a line in its startup insurance catalogue, comparing carrier options rather than issuing the policy, after a roughly 10-minute digital intake followed by AI agents and licensed brokers. RiskCube aims for vendor-ready proof of coverage in about 24 hours across catalogue lines including commercial crime. 1 2
Who Issues the Policy
RiskCube’s disclosures say it is not an insurance carrier and that insurance products including commercial crime are underwritten and issued by third-party carriers it does not name. HUB’s crime insurance page does not name an issuing insurer; HUB places crime coverage with carriers that vary by client and placement. 3 1
Startup Funds Versus Private, Public and Nonprofit Buyers
HUB lists employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds-transfer fraud, and says coverage is available for private, public and not-for-profit organizations. RiskCube describes commercial crime as protecting a startup against losses from employee theft, fraud, forgery and social-engineering attacks, and calls it essential for startups handling client funds, payment data or operating with a distributed team. Neither page publishes specific crime limits. RiskCube’s catalogue does not describe crime-specific risk-control services. 1 2
What Should You Confirm in HUB International and RiskCube Crime Insurance Quotes?
- Ask RiskCube which carrier it compared and whether the 24-hour proof-of-coverage timeline applies. 2 3
- Ask HUB which carrier it would place and whether vendor theft is on the form. 1
- Confirm whether social-engineering attacks, which RiskCube lists, appear on the HUB-placed form. 2 1
- Get dollar limits from both; neither reviewed page publishes standard figures. 1 2
HUB International vs RiskCube Crime Insurance Compared
HUB International vs RiskCube: Crime Insurance: documented features by provider
| Criteria | HUB International Crime Insurance Brokerage | RiskCube Commercial Crime Insurance |
|---|---|---|
| Who It’s For | HUB says crime coverage is available for private, public and not-for-profit organizations. 1Company-reported. Product-page organization-type list; not a published underwriting appetite by size or industry. | RiskCube calls commercial crime coverage "essential for startups handling client funds, payment data, or operating with a distributed team." 2Company-reported. Catalogue Commercial Crime card. |
| How to Apply | HUB directs prospects to connect with a broker through its business-insurance contact page; no online quote flow is described. 1Company-reported. Product-page call to action as read 2026-09-23. | RiskCube describes a roughly 10-minute digital intake followed by its AI agents and licensed brokers comparing top-rated carriers, aiming for vendor-ready proof of coverage in about 24 hours across the coverage types in its catalogue, including commercial crime. 2Company-reported. Catalogue process section; the timing is a general claim about the catalogue's application flow, not commercial-crime-specific. |
| Coverage Features | HUB lists crime coverage types it arranges as employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds transfer fraud. 1Company-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. 1Company-reported. Product-page statistics are company-cited figures, not independently verified by us, and are general fraud statistics rather than HUB-specific claims data. | RiskCube describes commercial crime coverage as protecting a startup against financial losses caused by employee theft, fraud, forgery and social-engineering attacks. 2Company-reported. Catalogue Commercial Crime card summary. |
| Role in This Line | HUB brokers commercial crime insurance rather than underwriting the coverage itself. 1Company-reported. Crime insurance product page as read 2026-09-23; the page does not name an issuing insurer. | RiskCube brokers commercial crime coverage as one of the lines in its startup insurance catalogue, comparing carrier options rather than underwriting the policy itself. 2Company-reported. Catalogue coverage-type list and lead paragraph; RiskCube did not publish a separate commercial crime landing page as of 2026-09-23. |
