HUB International vs 
RiskCube Crime Insurance
HUB places commercial crime through a broker contact; RiskCube compares startup crime carriers after a roughly 10-minute digital intake.
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. 1,2,3
What Is RiskCube Insurance?
RiskCube offers startup insurance brokerage through RiskCube Insurance Services, LLC, with a platform for comparing quotes and managing policies. Its published services emphasize vendor requirements, certificates and renewals; California product eligibility and applicable fees require confirmation. 5,6,7
What Is Crime Insurance?
Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. 9
Key Differences in Crime Insurance
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. 4 8
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. 7 4
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. 4 8
What to Confirm in Crime Insurance Quotes
- Ask RiskCube which carrier it compared and whether the 24-hour proof-of-coverage timeline applies. 8 7
- Ask HUB which carrier it would place and whether vendor theft is on the form. 4
- Confirm whether social-engineering attacks, which RiskCube lists, appear on the HUB-placed form. 8 4
- Get dollar limits from both; neither reviewed page publishes standard figures. 4 8
Offering Details
HUB International vs RiskCube Crime Insurance: documented features by provider
| Criteria | HUB International Crime Insurance Brokerage | RiskCube Commercial Crime Insurance |
|---|---|---|
| Role in This Line | HUB brokers commercial crime insurance rather than underwriting the coverage itself. 4Company-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. 8Company-reported. Catalogue coverage-type list and lead paragraph; RiskCube did not publish a separate commercial crime landing page as of 2026-09-23. |
| Issuing Insurer | The crime insurance page does not name an issuing insurer; HUB places crime coverage with carriers that vary by client and placement. 4Not found in reviewed sources. Checked the crime insurance product page on 2026-09-23; no carrier is disclosed there. | RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including commercial crime, are underwritten and issued by third-party carriers it does not name. 7Company-reported. Company-wide entity and licensing disclosure; no carrier is identified for commercial crime specifically. |
| Who It’s For | HUB says crime coverage is available for private, public and not-for-profit organizations. 4Company-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." 8Company-reported. Catalogue Commercial Crime card. |
| Coverage Features | HUB lists crime coverage types it arranges as employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds transfer fraud. 4Company-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. 4Company-reported. Product-page statistics are company-cited figures, not independently verified by Spot, 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. 8Company-reported. Catalogue Commercial Crime card summary. |
| Limits and Retentions | Published policy limits, deductibles or premium information for HUB-placed crime coverage were not found on the product page. 4Not publicly disclosed. Checked the crime insurance product page on 2026-09-23; limits are set on the quote and declarations. | RiskCube's catalogue does not publish specific limit or retention amounts for commercial crime. 8Not publicly disclosed. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available to check for a limits table. |
| Risk Services | Not described in the reviewed sources. | The reviewed catalogue page does not describe risk-control or other services specific to commercial crime, such as fidelity-fraud prevention programs. 8Not found in reviewed sources. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available. |
| How to Apply | HUB directs prospects to connect with a broker through its business-insurance contact page; no online quote flow is described. 4Company-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. 8Company-reported. Catalogue process section; the timing is a general claim about the catalogue's application flow, not commercial-crime-specific. |
| Claims Support | Not described in the reviewed sources. | The reviewed catalogue page does not describe claims handling specific to commercial crime. 8Not found in reviewed sources. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available. |
Full Comparison
More HUB International vs RiskCube Comparisons
Other Crime Insurance Comparisons
Sources
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. 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.
- Crime Insurance Brokers. 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.
RiskCube
- Startup Business Insurance. RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
- Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
- Disclosures & Compensation. RiskCube; Section 1, Entity and Licensing Disclosure: "RiskCube is not an insurance carrier and does not underwrite insurance. Insurance coverage is offered, underwritten, and issued by third-party insurance carriers". Accessed 2026-09-23.
- Startup Insurance Coverage. RiskCube; Commercial Crime card: "Protects your startup from financial losses caused by employee theft, fraud, forgery, and social engineering attacks. Essential for startups handling client funds, payment data, or operating with a distributed team"; catalogue intro and process steps. Accessed 2026-09-23.
Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
