Lockton vs RiskCube Crime Insurance

Lockton places Crime and Fidelity insurance to protect businesses against financial losses from theft, fraud, forgery and embezzlement by employees or third parties; it describes this as a brokered program, not a policy Lockton underwrites. ⁴Company-reported. Crime and Fidelity product page as read 2026-09-23.

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.

The page does not name the insurers Lockton places crime and fidelity coverage with. ⁴Not publicly disclosed. Crime and Fidelity page checked 2026-09-23.

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.

Lockton says crime coverage is relevant to nonprofit, private and public organizations of any sector, and calls out small businesses as particularly exposed because they often lack fraud-prevention and auditing resources. It also notes financial institutions are frequently required to carry a financial institution bond, distinct from general crime coverage. ⁴Company-reported. Crime and Fidelity product page as read 2026-09-23.

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.

Lockton lists the claim types a crime and fidelity program is meant to address: employee theft, forgery or alteration of negotiable instruments, theft on or off premises, computer fraud, counterfeit currency, and social engineering (impersonation) fraud involving customers, vendors or employees. ⁴Company-reported. Product page as read 2026-09-23; a capability/claim-type list, not a specimen policy.

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.

Not described in the reviewed sources.

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.

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.

Not described in the reviewed sources.

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.

Lockton says its Professional & Executive Risk Claims team, which integrates insurance and claims counsel within the broking team rather than treating claims advocacy as a separate profit center, handles Crime and Fidelity claims. ⁴Company-reported. Product page as read 2026-09-23. Describes Lockton's advocacy role, not an insurer's claim-paying obligation.

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.