---
title: "Lockton vs RiskCube Crime Insurance"
description: "Lockton places crime and fidelity with an in-team claims practice; RiskCube compares startup crime carriers after a roughly 10-minute digital intake."
canonical: "https://spot.insure/compare/lockton-vs-riskcube/crime"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/lockton-vs-riskcube/crime)

# Lockton vs RiskCube Crime Insurance

Lockton places crime and fidelity with an in-team claims practice; RiskCube compares startup crime carriers after a roughly 10-minute digital intake.

## Research Scope and Use

Use this comparison to evaluate Lockton 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

Lockton places Crime and Fidelity as a brokered program and says its Professional & Executive Risk Claims team handles those claims. RiskCube brokers commercial crime in its startup catalogue, comparing carrier options after a digital intake it describes as about 10 minutes, aiming for vendor-ready proof of coverage in about 24 hours. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [8](https://riskcubeai.com/insurance "Startup Insurance Coverage")

## What Is Lockton?

Lockton is a privately held insurance brokerage that arranges commercial risk, employee benefits and retirement programs. US pages describe a technology practice and intermediary placement with insurers, not Lockton as the policy’s insurer. [1](https://global.lockton.com/us/en "Lockton United States") [2](https://global.lockton.com/us/en/technology "Technology") [3](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

[Lockton profile](https://spot.insure/insurance-providers/lockton)

## What Is RiskCube Insurance?

RiskCube offers startup insurance brokerage through RiskCube Insurance Services, LLC, with a platform for comparing quotes and managing policies. Its published services emphasize vendor requirements, certificates and renewals; California product eligibility and applicable fees require confirmation. [5](https://riskcubeai.com/ "Startup Business Insurance") [6](https://riskcubeai.com/licenses "Licenses & Disclosures") [7](https://riskcubeai.com/disclosures "Disclosures & Compensation")

[RiskCube profile](https://spot.insure/insurance-providers/riskcube)

## What Is Crime Insurance?

Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Crime Insurance

### 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. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [8](https://riskcubeai.com/insurance "Startup Insurance Coverage")

### 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. [7](https://riskcubeai.com/disclosures "Disclosures & Compensation") [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")

### 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. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [8](https://riskcubeai.com/insurance "Startup Insurance Coverage")

## What to Confirm in Crime Insurance Quotes

- Ask RiskCube which carrier it compared and whether the 24-hour timeline applies. [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") [7](https://riskcubeai.com/disclosures "Disclosures & Compensation")
- Ask how Lockton’s Professional & Executive Risk Claims team would handle a theft claim; RiskCube’s catalogue does not describe claims handling. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [8](https://riskcubeai.com/insurance "Startup Insurance Coverage")
- If you are a financial institution, ask Lockton whether a financial institution bond is required. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")
- Get dollar limits from both. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [8](https://riskcubeai.com/insurance "Startup Insurance Coverage")

## Offering Details

| Criteria | Lockton Crime and Fidelity Insurance Brokerage | RiskCube Commercial Crime Insurance |
| --- | --- | --- |
| 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. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: 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. [8](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 | The page does not name the insurers Lockton places crime and fidelity coverage with. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Not publicly disclosed; scope: 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. [7](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 | 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. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: 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." [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: 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. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: 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. [8](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Catalogue Commercial Crime card summary..) |
| Limits and Retentions | Not described in the reviewed sources. | RiskCube's catalogue does not publish specific limit or retention amounts for commercial crime. [8](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 | 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. [8](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 | 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. [8](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 | 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. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: 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. [8](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

- [Lockton vs RiskCube](https://spot.insure/compare/lockton-vs-riskcube): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance can help recover business losses from specified theft and fraud, including employee theft, forgery and payment fraud.
- [Lockton vs RiskCube Cyber Insurance](https://spot.insure/compare/lockton-vs-riskcube/cyber)
- [Lockton vs RiskCube D&O Insurance](https://spot.insure/compare/lockton-vs-riskcube/directors-officers)
- [Lockton vs RiskCube Employment Practices Liability Insurance](https://spot.insure/compare/lockton-vs-riskcube/employment-practices)
- [Lockton vs RiskCube Fiduciary Liability Insurance](https://spot.insure/compare/lockton-vs-riskcube/fiduciary)
- [Lockton vs RiskCube General Liability Insurance](https://spot.insure/compare/lockton-vs-riskcube/general-liability)
- [Alliance Risk vs Lockton Crime Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/crime)
- [Alliance Risk vs RiskCube Crime Insurance](https://spot.insure/compare/alliance-risk-vs-riskcube/crime)
- [Beazley vs Lockton Crime Insurance](https://spot.insure/compare/beazley-vs-lockton/crime)
- [Beazley vs RiskCube Crime Insurance](https://spot.insure/compare/beazley-vs-riskcube/crime)
- [CFC vs Lockton Crime Insurance](https://spot.insure/compare/cfc-vs-lockton/crime)
- [CFC vs RiskCube Crime Insurance](https://spot.insure/compare/cfc-vs-riskcube/crime)

## Sources

### Lockton

1. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
2. [Technology](https://global.lockton.com/us/en/technology). Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
3. [US Terms of Business](https://global.lockton.com/us/en/terms-of-business). Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
4. [Crime and Fidelity Insurance](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance). Lockton; What is Crime and Fidelity Insurance?; Who needs to purchase Crime and Fidelity Insurance?; Types of Crime and Fidelity claims; Claims management. Accessed 2026-09-23.

### RiskCube

5. [Startup Business Insurance](https://riskcubeai.com/). RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
6. [Licenses & Disclosures](https://riskcubeai.com/licenses). RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
7. [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.
8. [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

9. [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.

Updated 2026-09-23. 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.

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