Chubb vs Hub International: Commercial Crime Insurance

A broker contact is how HUB International handles crime for private, public and not-for-profit organizations; Chubb underwrites crime in its ForeFront Portfolio on Chubb Marketplace, targeting organizations under 250 employees.

Van Ness Partners presents a practical comparison of source materials relevant to financial crime exposures.Research updated 2026-09-25

What Are the Key Differences Between Chubb and HUB International Crime Insurance?

Private Mid-Market Appetite Versus Public and Nonprofit Access

On Chubb Marketplace, ForeFront’s target appetite is organizations with fewer than 250 employees and less than $50 million in revenue. HUB says crime coverage is available for private, public and not-for-profit organizations. [3] [5]

Vendor Theft and Other Named Types

HUB lists employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds-transfer fraud, and cites statistics that organizations lose about 5% of revenue to fraud each year. Chubb lists social-engineering fraud, employee theft including temporary and contracted workers, client theft, and funds-transfer fraud unreimbursed by the insured’s bank. [5] [4]

Marketplace Versus Broker Contact

ForeFront, including Crime, is available on Chubb Marketplace for digital quoting and binding. HUB directs prospects to connect with a broker through its business-insurance contact page; no online quote flow is described. Neither Chubb’s sheet nor HUB’s crime page publishes specific policy limits. [3] [4] [5]

What Should You Confirm in Chubb and HUB International Crime Insurance Quotes?

  • Ask HUB whether vendor theft and asset misappropriation are on the form, and which carrier is quoting. [5]
  • Confirm you fit Chubb’s ForeFront size band and get crime limits. [3] [4]
  • Ask whether a public or not-for-profit buyer is in HUB’s stated availability and in ForeFront’s private-company-focused portfolio. [5] [3]
  • Get limits and retentions from both. [5] [4]

Crime coverage

Chubb

  • role: Chubb underwrites Crime Insurance as one of seven coverage parts within its ForeFront Portfolio for private companies, not-for-profit and healthcare organizations, insuring against theft and embezzlement by trusted employees and outsiders. ForeFront Portfolio Crime Insurance product sheet.company-reportedSource ↗
  • insurer: Chubb's Crime Insurance product sheet states that insurance is provided by ACE American Insurance Company and its U.S.-based Chubb underwriting company affiliates. Product sheet insurer-disclosure footer; product and jurisdiction can still change which Chubb affiliate issues a given policy.company-reportedSource ↗
  • coverage: Chubb lists social engineering fraud, employee theft (including temporary and contracted workers), client theft of a client's money or property by an employee, and funds transfer fraud for losses from fraudulent electronic transfers unreimbursed by the insured's bank. Crime Risks: Real & Rising list; illustrated with claim scenarios, not policy wording.company-reportedSource ↗
  • eligibility: On Chubb Marketplace, the ForeFront Portfolio's target underwriting appetite is organizations with fewer than 250 employees and less than $50 million in revenue. Online Ease section; applies to Marketplace-quoted ForeFront business generally, not exclusively Crime coverage.company-reportedSource ↗
  • limits: The reviewed product sheet illustrates claim scenarios with losses ranging from over $100,000 to over $1 million but does not publish specific policy limits, sublimits or retentions for Crime coverage. Crime Insurance product sheet as read on 2026-09-23; illustrative claim examples, not policy terms.not-foundSource ↗
  • application: The ForeFront Portfolio, including Crime coverage, is available on Chubb Marketplace, Chubb's platform for quoting, binding and issuing business digitally. Online Ease section; agents and brokers use Marketplace to place the policy.company-reportedSource ↗Source ↗

HUB International

  • role: HUB brokers commercial crime insurance rather than underwriting the coverage itself. Crime insurance product page as read 2026-09-23; the page does not name an issuing insurer.company-reportedSource ↗
  • coverage: HUB lists crime coverage types it arranges as employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds transfer fraud. Product-page coverage list; the issued policy and its exclusions control an actual claim.company-reportedSource ↗
  • eligibility: HUB says crime coverage is available for private, public and not-for-profit organizations. Product-page organization-type list; not a published underwriting appetite by size or industry.company-reportedSource ↗
  • coverage: HUB cites industry statistics that organizations lose about 5% of revenue to fraud each year, that fraud often takes about 18 months to detect, and that more than 23% of fraud cases result in losses of $1 million or more, to frame the need for crime coverage. Product-page statistics are company-cited figures, not independently verified by Spot, and are general fraud statistics rather than HUB-specific claims data.company-reportedSource ↗
  • insurer: The crime insurance page does not name an issuing insurer; HUB places crime coverage with carriers that vary by client and placement. Checked the crime insurance product page on 2026-09-23; no carrier is disclosed there.not-foundSource ↗
  • limits: Published policy limits, deductibles or premium information for HUB-placed crime coverage were not found on the product page. Checked the crime insurance product page on 2026-09-23; limits are set on the quote and declarations.not-disclosedSource ↗
  • application: HUB directs prospects to connect with a broker through its business-insurance contact page; no online quote flow is described. Product-page call to action as read 2026-09-23.company-reportedSource ↗

Chubb ForeFront is for firms below 250 employees and $50 million in revenue; HUB brokers crime for private, public and nonprofit organizations.

Sources consulted

  1. 01
    Commercial Insurance Guide

    California Department of Insurance · Crime · accessed 2026-09-16

  2. 02
    Social Engineering Fraud Insurance

    Chubb · Opening; coverage highlights · accessed 2026-09-16

  3. 03
    The ForeFront Portfolio

    Chubb · Available Coverages: Crime Insurance listed among the ForeFront Portfolio's seven coverage parts; Chubb Marketplace quoting · accessed 2026-09-23

  4. 04
    The ForeFront Portfolio — Crime Insurance

    Chubb · Crime Risks: Real & Rising claim-type list (Social Engineering Fraud, Employee Theft, Client Theft, Funds Transfer Fraud); Online Ease section on Chubb Marketplace; insurer disclosure line · accessed 2026-09-23

  5. 05
    Crime Insurance Brokers

    HUB International · Fraud-loss statistics; coverage types: employee theft, vendor theft, forgery, asset misappropriation, computer fraud, funds transfer fraud; organization types: private, public, not-for-profit; Connect With a Broker · accessed 2026-09-23

  6. 06
    Crime Terms and Conditions

    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

  7. 07
    Crime Non-Financial Applications and Forms

    Travelers · Opening paragraph; Sample Policy Forms · accessed 2026-09-16

  8. 08
    Commercial Crime Coverage Application

    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

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