Coalition vs Riskcube: Commercial Crime Insurance

RiskCube brokers crime for startups, with a roughly 10-minute digital intake and an aim of vendor-ready proof of coverage in about 24 hours; Coalition crime is sold only through appointed brokers to private and nonprofit organizations with up to 1,000 employees.

Van Ness Partners presents a practical comparison of source materials relevant to financial crime exposures.Research updated 2026-09-29

What Are the Key Differences Between Coalition and RiskCube Crime Insurance?

Coalition sells Executive Risks crime through appointed brokers and says up to $10 million per line may be available. RiskCube targets startups handling client funds, payment data or distributed teams and aims to provide vendor-ready proof within 24 hours after a roughly 10-minute intake. Choose Coalition if you are an eligible private or nonprofit buyer seeking a higher stated limit; choose RiskCube if your startup needs vendor-ready proof quickly. [3] [6]

Named Program Versus Catalogue Brokerage

Coalition designs Executive Risks crime and sells it through appointed brokers, naming Zurich American as admitted paper. RiskCube brokers commercial crime as one catalogue line, comparing carrier options, and its disclosures say it is not a carrier and that third-party insurers issue the policies. [3] [4] [6] [5]

Who Each Page Talks About

Coalition’s FAQ frames private and not-for-profit U.S. organizations with asset and employee ceilings. RiskCube calls commercial crime essential for startups handling client funds, payment data or a distributed team, and describes protection against employee theft, fraud, forgery and social-engineering attacks. Coalition describes theft, fraud and certain cybercrimes. [3] [6]

Buying Path

Coalition buyers must use an appointed broker. RiskCube describes a roughly 10-minute digital intake, then AI agents and licensed brokers comparing carriers, aiming for vendor-ready proof of coverage in about 24 hours across catalogue lines including crime. [3] [6]

What Should You Confirm in Coalition and RiskCube Crime Insurance Quotes?

  • Get RiskCube’s issuing carrier and limit; Coalition already publishes a per-line $10 million figure and Zurich as admitted paper. [5] [4] [3]
  • Ask whether RiskCube’s social-engineering wording and Coalition’s “certain cybercrimes” language overlap or leave gaps. [6] [3]
  • Confirm Coalition’s private or not-for-profit caps versus RiskCube’s startup-funds appetite. [3] [6]
  • Ask RiskCube what “about 24 hours” to proof of coverage means for crime specifically. [6]

Crime coverage

Coalition

  • role: Coalition designs and distributes crime insurance as one of four coverages in its Executive Risks product suite, sold through appointed brokers. Executive Risks product page as read on 2026-09-23.company-reportedSource ↗
  • coverage: Coalition says its crime coverage responds to losses from criminal activities including theft, fraud, and certain cybercrimes, flagged on the page as subject to exclusions and limitations. Executive Risks product page as read on 2026-09-23; the issued policy controls which cybercrime scenarios are actually covered.company-reportedSource ↗
  • eligibility: Coalition says Executive Risks products, including crime, are available to private and not-for-profit U.S. organizations in all 50 states and Washington, D.C., with up to $500 million in assets, up to 1,000 employees, and up to $500 million in plan assets. Executive Risks FAQ as read on 2026-09-23.company-reportedSource ↗
  • limits: Coalition says limits up to $10 million per coverage line may be available for Executive Risks products, including crime, subject to exclusions and limitations. Executive Risks FAQ as read on 2026-09-23; not a quoted or bindable limit for any specific applicant.company-reportedSource ↗
  • insurer: Coalition's disclaimer names Zurich American Insurance Company (NAIC 16535) as the admitted carrier for Executive Risks, and says Coalition Insurance Solutions, Inc. also places Executive Risks with unaffiliated insurers on a non-admitted basis, so the carrier for a specific crime policy depends on the placement route. U.S. Disclaimers page as read on 2026-09-23.company-reportedSource ↗
  • application: Coalition distributes Executive Risks, including crime, only through appointed insurance brokers rather than direct to buyers. Executive Risks product page as read on 2026-09-23.company-reportedSource ↗

RiskCube

  • role: RiskCube brokers commercial crime coverage as one of the lines in its startup insurance catalogue, comparing carrier options rather than underwriting the policy itself. Catalogue coverage-type list and lead paragraph; RiskCube did not publish a separate commercial crime landing page as of 2026-09-23.company-reportedSource ↗
  • insurer: 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. Company-wide entity and licensing disclosure; no carrier is identified for commercial crime specifically.company-reportedSource ↗
  • coverage: RiskCube describes commercial crime coverage as protecting a startup against financial losses caused by employee theft, fraud, forgery and social-engineering attacks. Catalogue Commercial Crime card summary.company-reportedSource ↗
  • eligibility: RiskCube calls commercial crime coverage "essential for startups handling client funds, payment data, or operating with a distributed team." Catalogue Commercial Crime card.company-reportedSource ↗
  • limits: RiskCube's catalogue does not publish specific limit or retention amounts for commercial crime. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available to check for a limits table.not-disclosedSource ↗
  • application: 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. Catalogue process section; the timing is a general claim about the catalogue's application flow, not commercial-crime-specific.company-reportedSource ↗
  • services: The reviewed catalogue page does not describe risk-control or other services specific to commercial crime, such as fidelity-fraud prevention programs. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available.not-foundSource ↗
  • claims: The reviewed catalogue page does not describe claims handling specific to commercial crime. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available.not-foundSource ↗

Coalition offers private and nonprofit U.S. buyers a possible $10 million per-line limit; RiskCube targets startups handling client funds and aims to provide vendor-ready proof within 24 hours.

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
    Executive Risks

    Coalition · Product Offering: Crime — covers losses that result from various criminal activities, including theft, fraud, and certain cybercrimes* (exclusions and limitations apply; see disclaimers and the policy as issued); FAQ: What type of businesses do you protect?, What limits do you offer?, What resources do you have for policyholders? · accessed 2026-09-23

  4. 04
    U.S. Disclaimers

    Coalition · Admitted Executive Risk: insurance products offered by Coalition Insurance Solutions, Inc. acting on behalf of unaffiliated insurance companies and, on an admitted basis, on behalf of Zurich American Insurance Company (NAIC # 16535) · accessed 2026-09-23

  5. 05
    Disclosures & Compensation

    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

  6. 06
    Startup Insurance Coverage

    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

  7. 07
    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

  8. 08
    Crime Non-Financial Applications and Forms

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

  9. 09
    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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