Foxquilt vs Hub International: Commercial Crime Insurance

HUB International brokers crime for private, public and not-for-profit organizations through a broker contact, with no online quote flow described; Foxquilt markets crime as a BOP add-on or standalone policy and links a quote path.

Van Ness Partners presents a practical comparison of source materials relevant to financial crime exposures.Research updated 2026-10-01

HUB says it brokers crime coverage for private, public and nonprofit organizations and lists employee, vendor and computer fraud. Foxquilt’s page emphasizes smaller businesses handling cash or employee funds and offers crime as a standalone policy or BOP add-on. An organization’s ownership type and fraud-control setup may shape which placement route fits.

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
    Smarter Crime Insurance

    Foxquilt · Current product page calls the product Crime Insurance; lines 90–104 describe money/securities, inside/outside theft and examples; lines 113–121 say crime may be included as a BOP add-on or bought as an isolated policy. Directly inspected 2026-09-29. Marketing does not establish form/limits or fidelity/surety bond coverage. · accessed 2026-09-29

  4. 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

  5. 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

  6. 06
    Crime Non-Financial Applications and Forms

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

  7. 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

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

HUB describes brokerage for crime coverage and lists private, public and nonprofit organizations among the audiences, with employee, vendor and computer fraud examples. Foxquilt highlights small businesses handling funds and markets crime standalone or as a BOP add-on. An organization can use the audience and placement descriptions to frame its submission, then confirm underwriting and terms. [3] [4]

Organization type and coverage examples

HUB lists private, public and not-for-profit organizations as audiences and names employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds-transfer fraud. Foxquilt highlights small businesses handling money and describes employee dishonesty, fraud and forgery. A nonprofit or larger organization can use HUB’s list to start a submission, while both providers’ eligibility remains subject to quote review. [4] [3]

Broker connection and policy structure

HUB’s page directs prospects to connect with a broker, while Foxquilt provides a product quote path and describes standalone or BOP-add-on placement. The distinction is the initial contact and packaging; neither page itself determines which loss agreements will be issued. [4] [3]

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

  • Ask HUB which insurer and agreements it proposes for your organization type; ask Foxquilt whether it will quote the crime line alone or with your BOP. [4] [3]

  • Ask both providers how vendor impersonation, transfer fraud and computer fraud are defined, and request any sublimits and controls. [4] [3]

Crime coverage

Foxquilt

  • role: Foxquilt markets Crime Insurance, either as a BOP add-on or as a standalone policy according to its product page. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • coverage: The page describes money and securities losses from inside or outside theft, including employee dishonesty, fraud and forgery. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • eligibility: The page highlights small businesses that handle cash or have employees handling business funds; it does not specify underwriting eligibility. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • application: The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • limits: The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.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 ↗

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