Lockton vs 
RiskCube: How Do They Compare for Crime Insurance?
Lockton brokers crime and fidelity for organizations of any sector, with a claims team inside its broking team; RiskCube brokers crime for startups, with a roughly 10-minute intake and an aim of proof of coverage in about 24 hours.
Lockton suits buyers seeking a dedicated crime claims team and listed perils; RiskCube targets startups handling client funds or payment data with a 10-minute intake and a proof goal of about 24 hours. 1,2
What Are the Key Differences Between Lockton and RiskCube Crime Insurance?
RiskCube’s 24-hour goal is for vendor-ready proof across its catalogue, not a crime-specific binding guarantee, and it publishes no crime limit. Lockton describes a dedicated claims team and losses such as counterfeit currency and social-engineering impersonation. 2 1
Specialist Broking Team Versus Startup Catalogue Speed
Lockton places Crime and Fidelity as a brokered program, not a policy it underwrites. RiskCube brokers commercial crime as a line in its startup insurance catalogue, comparing carrier options rather than underwriting. RiskCube describes a roughly 10-minute digital intake followed by AI agents and licensed brokers comparing top-rated carriers, aiming for vendor-ready proof of coverage in about 24 hours. 1 2
Named Issuance Gap Versus Disclosed Third-Party Carriers
RiskCube’s disclosures say it is not an insurance carrier and that products including commercial crime are underwritten and issued by third-party carriers it does not name. Lockton’s page does not name the insurers it places crime and fidelity with. 3 1
Claim Types and Claims Counsel Versus Startup Perils
Lockton lists employee theft, forgery or alteration, theft on or off premises, computer fraud, counterfeit currency, and social-engineering impersonation fraud, and says its Professional & Executive Risk Claims team handles Crime and Fidelity claims. It calls out small businesses as particularly exposed and notes financial institution bonds as distinct from general crime. RiskCube describes protection against employee theft, fraud, forgery and social-engineering attacks for startups handling client funds, payment data or operating with a distributed team. RiskCube’s catalogue does not describe claims handling or crime-specific risk-control services. Neither page publishes specific crime limits. 1 2
What Should You Confirm in Lockton and RiskCube Crime Insurance Quotes?
- Ask RiskCube which carrier it compared and whether the 24-hour timeline applies. 2 3
- Ask how Lockton’s Professional & Executive Risk Claims team would handle a theft claim; RiskCube’s catalogue does not describe claims handling. 1 2
- If you are a financial institution, ask Lockton whether a financial institution bond is required. 1
- Get dollar limits from both. 1 2
Lockton vs RiskCube Crime Insurance Compared
Lockton vs RiskCube: Crime Insurance: documented features by provider
| Criteria | Lockton Crime and Fidelity Insurance Brokerage | RiskCube Commercial Crime Insurance |
|---|---|---|
| Who It’s For | 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. 1Company-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." 2Company-reported. Catalogue Commercial Crime card. |
| Coverage Features | 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. 1Company-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. 2Company-reported. Catalogue Commercial Crime card summary. |
| Role in This Line | 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. 1Company-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. 2Company-reported. Catalogue coverage-type list and lead paragraph; RiskCube did not publish a separate commercial crime landing page as of 2026-09-23. |
