What Is HUB International?
HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. 1,2,3
What Is WTW?
WTW is an insurance broker whose documented services include manufacturing risk-program design and specialist property and cargo programs. Its marketed property scope includes residential real-estate stakeholders and a separate integrated data-center program; other named capabilities vary in date and geography. 5,6,7,8,9
What Is Crime Insurance?
Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. 11,12,13,14,15
Key Differences in Crime Insurance
Covered loss categories and buyer types
HUB lists employee and vendor theft, forgery, asset misappropriation, computer fraud, and funds-transfer fraud among the crime coverages it arranges. Its page names private, public, and nonprofit organizations as potential buyers. WTW’s FY2024 annual report is historical global crime evidence. A buyer can use HUB’s loss list to identify exposures for the submission and ask WTW whether it currently places U.S. crime. 4 9
Limits and insurer identification
HUB lists crime coverage types it arranges, while WTW’s FY2024 report lists crime within global FINEX. A buyer comparing the two should ask HUB which carrier and policy terms apply, and ask WTW whether it currently places U.S. crime before comparing forms. 4 9
What to Confirm in Crime Insurance Quotes
HUB International and WTW Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
HUB International Review Score
Review Score
2 rated sources
Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.[7][6]
Read HUB International reviewsWTW Review Score
Review Score
1 rated source
WTW has little useful review evidence for a business buyer. Its one counted score is 807 out of 1,000 from a 2017 J.D. Power study of large commercial brokers, and Trustpilot's 2.1 from 9 reviews isn't counted.[4][2]
Read WTW reviewsHUB International vs WTW Crime Insurance Compared
HUB International vs WTW: Crime Insurance: documented features by provider
| Criteria | HUB International Crime Insurance Brokerage | WTW Crime Insurance Brokerage |
|---|---|---|
| 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. | Under WTW's North American Corporate Risk & Broking terms, WTW normally acts as the client's insurance intermediary for engagements governed by those terms. 10Company-reported. Terms for applicable North American Corporate Risk & Broking engagements. WTW also discloses separate insurer-side services in some arrangements; this does not determine the role in a specific engagement. |
| 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. | The reviewed WTW sources do not identify an issuing insurer for a specific crime placement. 10,9Not publicly disclosed. This is a gap in the cited marketing, annual-report, and brokerage materials; it does not mean WTW lacks insurer markets. Confirm the carrier on the quote and issued policy. |
| 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. | Confirm in your quote. |
| 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. | WTW's FY2024 annual report lists crime insurance solutions within its global Financial, Executive and Professional Risks (FINEX) practice. 9Company-reported. Historical group-level service description only; it does not establish current U.S. availability, insurer, policy form, or a buyer's eligibility. |
| 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. | The reviewed sources do not state a buyer-specific crime limit, retention, or deductible. 10,9Not publicly disclosed. No limit or deductible is inferred from general marketing or WTW's brokerage role; the insurer's quote and issued forms control. |
| Risk Services | Confirm in your quote. | WTW's North American terms describe reviewing binders, policies, and endorsements against the terms negotiated with the insurer. 10Company-reported. Broker document-review process under the cited terms, when WTW handles this line's placement. It does not certify that a policy covers a claim or replace the issued wording. |
| 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. | WTW's North American terms say an insurer quote is not confirmation of coverage; if the client orders binding, WTW seeks a formal insurer commitment, typically a binder. 10Company-reported. Applies to placements governed by the cited North American Corporate Risk & Broking terms. It does not establish a self-service quote route or promise coverage availability for this line. |
Related Pages for HUB International vs WTW Crime Insurance
Crime Insurance Pages for HUB International and WTW
Other Coverage Lines Compared for HUB International vs WTW
Other Crime Insurance Provider Comparisons
Sources for HUB International vs WTW Crime Insurance
Sources About 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.
Sources About WTW
- Manufacturing. WTW; “How WTW can help manufacturers”; “How we serve our clients”; North America licensed-entity disclaimer. Accessed 2026-09-28.
- Digital Infrastructure Protector. WTW; Integrated policy coverage for building, operational property, marine and cargo under one policy; integrated data-center construction/operations; cyber and liability protection in broader solution; separate-policy preference caveat; capacity and North America licensed-entity disclaimer. Accessed 2026-09-29.
- Marine. WTW; “Our solutions” cargo brokerage; marine specialist count; claims advice and average-adjuster service; North America licensed-entity disclaimer. Accessed 2026-09-28.
- Residential | WTW. WTW; “Specialized insurance products”: lists property insurance and financial lines, including errors and omissions; inspected official indexed text 2026-09-29. Direct reader access failed; indexed page crawl was about five months old. Accessed 2026-09-29.
- WTW 2024 Form 10-K. U.S. Securities and Exchange Commission / Willis Towers Watson Public Limited Company; Part I, Item 1, FINEX and Surety business descriptions: the 2024 annual report identifies management and professional liability, employment practices, crime, cyber and M&A insurance solutions, and a global bond-placement team; indexed passages rechecked 2026-09-29. Accessed 2026-09-29.
- Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US). WTW; Document dated 2025-06-01; pp. 4–6: broker/intermediary role, quote versus binding process, review of binders/policies/endorsements, claims reporting and affiliate disclosures. Reused from the current WTW provider source record after direct PDF retrieval was blocked. Accessed 2026-09-28.
Sources for the Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
- Crime Non-Financial Applications and Forms. Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
- Crime Terms and Conditions. The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16.
- Commercial Crime Coverage Application. Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. Accessed 2026-09-16.
