HUB International vs Travelers Crime Insurance

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.

Travelers underwrites fidelity and crime coverage through multiple insuring agreements sold under the Management & Professional Liability line, rather than as a single fixed policy. ⁸Company-reported. Product page "What is fidelity and crime coverage?" section.

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.

The product page's video disclosure names Travelers Casualty and Surety Company of America and its property casualty affiliates; the specific issuing entity for a given policy can vary. ⁸Company-reported. Product page video legal footer.

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.

Travelers markets fidelity and crime coverage to nonprofit organizations, private companies and public companies. ⁸Company-reported. Product page "Who is fidelity and crime coverage right for?" section.

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.

Travelers says the coverage addresses loss from forgery or alteration, loss of money and securities, and reimbursement for claim expenses, protecting against threats such as employee dishonesty and theft, funds transfer fraud, computer fraud, employee fraud and social engineering fraud. ⁸Company-reported. Product page "What is fidelity and crime coverage?" and "Types of fidelity and crime claims" sections; exact terms and exclusions are set by the issued policy.

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.

The reviewed page does not publish limits, deductibles or premiums for fidelity and crime coverage; it cites a median fraud loss of $130,000 and says at least one in five cases costs $1 million or more as general risk context, not as policy terms. ⁸Not found in reviewed sources. Product page video statistics and general text as read on 2026-09-23.

Not described in the reviewed sources.

Travelers offers a social engineering fraud endorsement and publishes guidance such as "Coverage 101" and social-engineering protection resources alongside the product. ⁸Company-reported. Product page Resources section.

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.

Fidelity and crime coverage is bought through a Travelers independent agent. ⁸Company-reported. Product page "Find an insurance agent" call to action.