---
title: "Lockton vs RiskCube: Crime Insurance"
description: "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."
canonical: "https://spot.insure/compare/lockton-vs-riskcube/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "lockton-vs-riskcube"
provider-a: "lockton"
provider-b: "riskcube"
coverage-line: "crime"
---

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

## Agent Guide

**What this page is:** Focused comparison of Lockton 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 Lockton versus RiskCube. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Lockton vs RiskCube for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Lockton or RiskCube?
- What does Lockton or RiskCube publish about Crime Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Crime Insurance. Providers: Lockton and RiskCube.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-25.

**Related pages:**
- [Lockton vs RiskCube](https://spot.insure/compare/lockton-vs-riskcube) — all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — how this coverage works
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile
- [RiskCube profile](https://spot.insure/insurance-providers/riskcube) — provider profile

# 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 lists crime perils and a dedicated claims team; RiskCube targets startups with a 10-minute intake and about 24-hour proof goal, without publishing limits.

## Lockton vs RiskCube Crime Insurance Summary

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](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://riskcubeai.com/insurance "Startup Insurance Coverage")

## 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](https://riskcubeai.com/insurance "Startup Insurance Coverage") [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity 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. [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](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. [3](https://riskcubeai.com/disclosures "Disclosures & Compensation") [1](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. [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://riskcubeai.com/insurance "Startup Insurance Coverage")

## 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](https://riskcubeai.com/insurance "Startup Insurance Coverage") [3](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. [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://riskcubeai.com/insurance "Startup Insurance Coverage")
- If you are a financial institution, ask Lockton whether a financial institution bond is required. [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")
- Get dollar limits from both. [1](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [2](https://riskcubeai.com/insurance "Startup Insurance Coverage")

## Lockton vs RiskCube Crime Insurance Compared

| 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. [1](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." [2](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. [1](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. [2](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: 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. [1](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. [2](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..) |

## About Lockton and RiskCube and Crime Insurance

- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews)
- [RiskCube company profile](https://spot.insure/insurance-providers/riskcube) · [RiskCube customer reviews](https://spot.insure/insurance-providers/riskcube/reviews)
- [What Is Crime Insurance?](https://spot.insure/coverage/crime)

## Related Pages for Lockton vs RiskCube Crime Insurance

- [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 addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms.
- [Lockton Crime Insurance](https://spot.insure/insurance-providers/lockton/crime)
- [RiskCube Crime Insurance](https://spot.insure/insurance-providers/riskcube/crime)

## Sources for Lockton vs RiskCube Crime Insurance

### Sources About Lockton

1. [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.

### Sources About RiskCube

2. [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.
3. [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.

Updated 2026-09-25. 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.

## Agent and Developer Resources

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