HUB International vs 
The Hartford Crime Insurance
HUB brokers listed crime perils with unnamed carriers; The Hartford underwrites crime inside Private Choice Premier and as financial-institutions fidelity.
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 The Hartford?
The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. 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 Versus Hartford Package Tracks
HUB brokers commercial crime insurance rather than underwriting it, and its crime page does not name an issuing insurer. The Hartford’s crime insurance is one of five options in Private Choice Premier and is offered separately as bond and commercial crime (fidelity) coverage within its financial-institutions product track. 4 8
Itemized Perils Versus a Cash-Register Example
HUB lists employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds-transfer fraud. The Hartford says crime insurance helps cover business-related crimes like employee theft, forgery or robbery, giving as an example an employee stealing money from a cash register. The Hartford’s reviewed management-liability page does not describe vendor theft or computer fraud. 4 8
Shared Organization Types, Different Buying Paths
HUB says crime coverage is available for private, public and not-for-profit organizations and directs prospects to a business-insurance contact page. The Hartford’s crime coverage is available to nonprofit organizations, publicly traded companies and privately held companies as part of its management-liability lineup. HUB’s product page does not publish policy limits. 4 8
What to Confirm in Crime Insurance Quotes
- Ask The Hartford whether crime sits in Private Choice Premier or on the financial-institutions bond and commercial-crime track. 8
- Ask HUB which carrier it would place and whether vendor theft and computer fraud are on the form. 4
- Confirm whether The Hartford form goes beyond employee theft, forgery or robbery. 8 4
- Get limits and retentions from both. 4 8
Offering Details
HUB International vs The Hartford Crime Insurance: documented features by provider
| Criteria | HUB International Crime Insurance Brokerage | The Hartford 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. | The Hartford's crime insurance is one of five options in its Private Choice Premier management-liability package, and is offered separately as bond and commercial crime (fidelity) coverage within its financial-institutions product track. 8Company-reported. Management liability product page as read 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. | Not described in the reviewed sources. |
| 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. | The Hartford's crime coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. 8Company-reported. Management liability 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. 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. | The Hartford says crime insurance helps cover business-related crimes like employee theft, forgery or robbery, giving as an example an employee stealing money from a cash register. 8Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls. |
| 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. | Not described in the reviewed sources. |
| 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. | Not described in the reviewed sources. |
Full Comparison
More HUB International vs The Hartford 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.
The Hartford
- Legal Notice. The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
- SaaS Insurance for Your Business. The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
- Find a Local Insurance Agent. The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
- Management Liability Insurance | Get a Quote. The Hartford; Crime Insurance section; Who Does Management Liability Insurance Protect?; Management and Professional Liability Insurance for Financial Institutions (Bond and commercial crime (fidelity)). Accessed 2026-09-23.
Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
