Embroker vs Hub International: Commercial Crime Insurance

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

HUB’s crime page names public companies and nonprofits as eligible buyer types and lists vendor theft and asset misappropriation. Embroker spells out exclusions, including income loss and some cybercrime losses, which you can compare against your exposures. [4] [3]

Product Page Versus Brokered Placement

Embroker sells commercial crime as a standalone policy or, for some smaller businesses, as a BOP or D&O endorsement. HUB brokers commercial crime rather than underwriting it, and its crime page does not name an issuing insurer. [3] [4]

Peril Lists That Do Not Match One-for-One

Embroker lists employee theft including shoplifting, third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social-engineering fraud, and it publishes exclusions for income loss, executive-employee collusion, third-party liabilities and certain cybercrime involving patents, trade secrets or customer lists. HUB lists employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds-transfer fraud, and cites industry statistics that organizations lose about 5% of revenue to fraud yearly. HUB’s reviewed page does not publish those exclusions. [3] [4]

Buyer Types and Quote Path

Embroker highlights cash, part-time staff, inventory, expensive equipment and customer data. HUB says crime coverage is available for private, public and not-for-profit organizations. Embroker’s crime page uses a general Get a Quote link. HUB directs prospects to connect with a broker; no online quote flow is described. Embroker also distinguishes fidelity bonds that can reimburse customers. [3] [4]

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

Ask HUB whether vendor theft and asset misappropriation are on the issued form. [4]
Ask Embroker whether the quote is standalone, an endorsement, or a fidelity bond. [3]
Compare Embroker’s published exclusions with HUB’s bound wording. [3] [4]
Get HUB’s issuing carrier name; the product page does not disclose it. [4]

Embroker fits smaller businesses seeking standalone crime or a BOP/D&O add-on; HUB serves private, public and nonprofit organizations and lists vendor theft, asset misappropriation and funds-transfer fraud.

Sources consulted

01
Commercial Insurance Guide
California Department of Insurance · Crime · accessed 2026-09-16
02
Social Engineering Fraud Insurance
Chubb · Opening; coverage highlights · accessed 2026-09-16
03
Commercial Crime Insurance: Coverage & Policies
Embroker · Why it's essential; Who needs this coverage; What is Commercial Crime insurance?; What's covered; What's not included; What's the difference between Fidelity Bonds and Commercial Crime insurance?; What does Commercial Crime insurance cost? · accessed 2026-09-23
04
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
05
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
06
Crime Non-Financial Applications and Forms
Travelers · Opening paragraph; Sample Policy Forms · accessed 2026-09-16
07
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

Crime coverage

Embroker

role: Embroker sells commercial crime as a standalone policy and says smaller businesses sometimes add crime coverage as an endorsement to a BOP or a directors and officers policy instead. Product-page description; not a statement about the issuing insurer.company-reportedSource ↗
eligibility: Embroker points to businesses that hire part-time staff, handle cash transactions, manage inventory or expensive equipment, or handle customer data and digital transactions as more exposed and more likely to need the coverage. Product-page 'Who benefits most' section; not a formal underwriting appetite statement.company-reportedSource ↗
coverage: Embroker lists coverage for employee theft (including shoplifting, embezzlement and larceny), third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social engineering fraud. Product-page What's covered section; the issued policy and declarations control.company-reportedSource ↗
coverage: Embroker says the policy excludes loss of income, indirect losses, crimes committed by executives or partners in coordination with employees, third-party liabilities from crime losses, and cybercrime losses involving stolen patents, trade secrets or customer lists. Product-page What's not included section.company-reportedSource ↗
coverage: Embroker distinguishes fidelity bonds from crime insurance: it says a crime policy typically carries higher limits, while a fidelity bond can reimburse customers who suffer crime-related damages. Product-page FAQ comparing fidelity bonds and commercial crime insurance.company-reportedSource ↗
limits: Embroker says crime insurance pricing depends on factors like employee count and locations, revenue, office security measures and financial controls, and that fidelity bonds typically cost 0.5% to 2% of the bond value; it does not publish standard policy limits. Product-page 'What does Commercial Crime insurance cost?' section.company-reportedSource ↗
application: The reviewed crime page does not describe a dedicated online quote flow for crime insurance the way Embroker's BOP and general liability pages do; it directs buyers to a general 'Get a Quote' link. Product page as read on 2026-09-23.not-disclosedSource ↗

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 ↗