--- title: "Liberty Mutual vs RiskCube: Crime Insurance" description: "Liberty Mutual lists crime within its ProShield package, while RiskCube brokers startup crime coverage for employee theft, fraud, forgery, and social engineering." canonical: "https://spot.insure/compare/liberty-mutual-vs-riskcube/crime" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "liberty-mutual-vs-riskcube" provider-a: "liberty-mutual" provider-b: "riskcube" coverage-line: "crime" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/liberty-mutual-vs-riskcube/crime) ## Agent Guide **What this page is:** Focused comparison of Liberty Mutual and RiskCube for Crime Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Crime Insurance questions about Liberty Mutual versus RiskCube. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Liberty Mutual vs RiskCube for Crime Insurance: how do they differ? - Which is better for Crime Insurance, Liberty Mutual or RiskCube? - What does Liberty Mutual or RiskCube publish about Crime Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Crime Insurance from Liberty Mutual or RiskCube? **Key facts:** - Line: Crime Insurance. Providers: Liberty Mutual and RiskCube. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Liberty Mutual vs RiskCube](https://spot.insure/compare/liberty-mutual-vs-riskcube) — parent: all coverage lines for this pair - [Crime Insurance guide](https://spot.insure/coverage/crime) — coverage explainer for this line - [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence) - [RiskCube profile](https://spot.insure/insurance-providers/riskcube) — provider profile (evidence) - [Liberty Mutual vs RiskCube Cyber Insurance](https://spot.insure/compare/liberty-mutual-vs-riskcube/cyber) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-riskcube/fiduciary) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs RiskCube General Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-riskcube/general-liability) — sibling comparison (other line, or other pair for this line) - [Liberty Mutual vs RiskCube Tech E&O Insurance](https://spot.insure/compare/liberty-mutual-vs-riskcube/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line) - [AIG vs RiskCube Crime Insurance](https://spot.insure/compare/aig-vs-riskcube/crime) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs RiskCube Crime Insurance](https://spot.insure/compare/alliance-risk-vs-riskcube/crime) — sibling comparison (other line, or other pair for this line) - [Aon vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line) - [Aon vs RiskCube Crime Insurance](https://spot.insure/compare/aon-vs-riskcube/crime) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Liberty Mutual Crime Insurance](https://spot.insure/compare/baldwin-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line) # Liberty Mutual vs RiskCube: How Do They Compare for Crime Insurance? Liberty Mutual lists crime within its ProShield package, while RiskCube brokers startup crime coverage for employee theft, fraud, forgery, and social engineering. ## Research Scope and Use Use this comparison to evaluate Liberty Mutual and RiskCube for Crime Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Liberty Mutual names employee dishonesty, embezzlement, safe burglary, and computer fraud within ProShield. RiskCube’s startup catalogue describes coverage for employee theft, fraud, forgery, and social-engineering attacks, arranged through third-party insurers. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") ## What Is Liberty Mutual Business Insurance? Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. [1](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [2](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) ## What Is RiskCube Insurance? RiskCube suits startups that want to compare available quotes from multiple insurers and manage certificates and renewals online; businesses needing a direct carrier relationship or confirmed California eligibility should compare alternatives. [4](https://riskcubeai.com/ "Startup Business Insurance") [5](https://riskcubeai.com/licenses "Licenses & Disclosures") [6](https://riskcubeai.com/disclosures "Disclosures & Compensation") [RiskCube profile](https://spot.insure/insurance-providers/riskcube) ## 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. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions "Crime Non-Financial Applications and Forms") [10](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions") [11](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html "Social Engineering Fraud Insurance") [12](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3 "Commercial Crime Coverage Application") ## Key Differences in Crime Insurance ### Packaged Management Liability or Startup Brokerage Liberty Mutual offers crime within ProShield, a package policy combining management-liability coverages for private and nonprofit organizations. RiskCube lists commercial crime in its startup insurance catalogue and compares carrier options as a broker; third-party insurers issue the policies. That makes RiskCube’s route relevant for a startup seeking a broker to compare markets, while ProShield offers a carrier’s packaged structure. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") ### Social Engineering and Listed Crime Examples RiskCube specifically describes financial losses from employee theft, fraud, forgery, and social-engineering attacks. Liberty Mutual lists employee dishonesty, embezzlement, safe burglary, and computer fraud in ProShield. Both descriptions include insider and computer-related risks, but RiskCube explicitly names social engineering while Liberty Mutual names safe burglary; compare each quote against how money or property could be taken from your business. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") ### Application Speed and Terms RiskCube describes a roughly 10-minute digital intake and says it aims to provide vendor-ready proof of coverage in about 24 hours across its catalogue. Liberty Mutual’s overview does not set a quote or bind timeline. Those RiskCube timing statements describe its process goals, not a guaranteed issuance date; ask both providers when coverage could begin and what underwriting information remains. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") ## What to Confirm in Crime Insurance Quotes - Ask RiskCube which carrier is proposed and request its policy form, limits, deductible, and definition of social-engineering fraud. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") - Ask Liberty Mutual for ProShield’s crime limit and when its carrier can bind the proposed policy. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") - Confirm whether RiskCube’s stated 24-hour proof-of-coverage target applies after your submission is complete and carrier approval is received. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") ## Offering Details | Criteria | Liberty Mutual ProShield Crime coverage | RiskCube Commercial Crime Insurance | | --- | --- | --- | | Role in This Line | Liberty Mutual includes crime coverage in its ProShield management-liability package for private and not-for-profit organizations. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | RiskCube brokers commercial crime coverage as one of the lines in its startup insurance catalogue, comparing carrier options rather than underwriting the policy itself. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue coverage-type list and lead paragraph; RiskCube did not publish a separate commercial crime landing page as of 2026-09-23..) | | Issuing Insurer | Confirm in your quote. | 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. [6](https://riskcubeai.com/disclosures "Disclosures & Compensation") (Evidence: Company-reported; scope: Company-wide entity and licensing disclosure; no carrier is identified for commercial crime specifically..) | | Who It’s For | The source scopes ProShield to private and not-for-profit organizations; a specific organization’s eligibility is not established. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | RiskCube calls commercial crime coverage "essential for startups handling client funds, payment data, or operating with a distributed team." [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue Commercial Crime card..) | | Coverage Features | The ProShield page lists employee dishonesty, embezzlement, safe burglary, computer fraud and other crime exposures, plus selected coverage enhancements; these are marketing summaries, not policy terms. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | RiskCube describes commercial crime coverage as protecting a startup against financial losses caused by employee theft, fraud, forgery and social-engineering attacks. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue Commercial Crime card summary..) | | Limits and Retentions | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | RiskCube's catalogue does not publish specific limit or retention amounts for commercial crime. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Not publicly disclosed; scope: Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available to check for a limits table..) | | Risk Services | Liberty Mutual describes ProShield as one package policy that combines multiple management-liability coverages and is designed to reduce the need for separate endorsements. [3](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | The reviewed catalogue page does not describe risk-control or other services specific to commercial crime, such as fidelity-fraud prevention programs. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Not found in reviewed sources; scope: Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available..) | | How to Apply | Confirm in your quote. | 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. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue process section; the timing is a general claim about the catalogue's application flow, not commercial-crime-specific..) | | Claims Support | Confirm in your quote. | The reviewed catalogue page does not describe claims handling specific to commercial crime. [7](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Not found in reviewed sources; scope: Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available..) | ## Full Comparison - [Liberty Mutual vs RiskCube](https://spot.insure/compare/liberty-mutual-vs-riskcube): all coverage lines, business roles, service and claims. - [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms. - [Liberty Mutual vs RiskCube Cyber Insurance](https://spot.insure/compare/liberty-mutual-vs-riskcube/cyber) - [Liberty Mutual vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-riskcube/fiduciary) - [Liberty Mutual vs RiskCube General Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-riskcube/general-liability) - [Liberty Mutual vs RiskCube Tech E&O Insurance](https://spot.insure/compare/liberty-mutual-vs-riskcube/technology-errors-omissions) - [AIG vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/crime) - [AIG vs RiskCube Crime Insurance](https://spot.insure/compare/aig-vs-riskcube/crime) - [Alliance Risk vs RiskCube Crime Insurance](https://spot.insure/compare/alliance-risk-vs-riskcube/crime) - [Aon vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/crime) - [Aon vs RiskCube Crime Insurance](https://spot.insure/compare/aon-vs-riskcube/crime) - [The Baldwin Group vs Liberty Mutual Crime Insurance](https://spot.insure/compare/baldwin-vs-liberty-mutual/crime) ## Sources ### Liberty Mutual 1. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile). Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide).. Accessed 2026-09-29. 2. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-solutions/). Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary.. Accessed 2026-09-29. 3. [ProShield](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/). Liberty Mutual Business Insurance; Opening paragraphs identify package combining directors and officers, employment practices, fiduciary, and crime coverages; D&O and crime sections describe examples of exposures and selected coverage features. Examples are not policy terms.. Accessed 2026-09-29. ### RiskCube 4. [Startup Business Insurance](https://riskcubeai.com/). RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16. 5. [Licenses & Disclosures](https://riskcubeai.com/licenses). RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16. 6. [Disclosures & Compensation](https://riskcubeai.com/disclosures). 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. 7. [Startup Insurance Coverage](https://riskcubeai.com/insurance). 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 8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16. 9. [Crime Non-Financial Applications and Forms](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions). Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16. 10. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). 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. 11. [Social Engineering Fraud Insurance](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html). Chubb; Opening; coverage highlights. Accessed 2026-09-16. 12. [Commercial Crime Coverage Application](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3). 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. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Liberty Mutual Reviews Review Score: 7.2 / 10 from 2 rated sources, equally weighted. Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected. - NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance) - Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/liberty-mutual/reviews). ## RiskCube Reviews Review Score: not enough ratings. RiskCube has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/riskcube/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/liberty-mutual-vs-riskcube/crime.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)