Hub International vs Nationwide: Commercial Crime Insurance

Nationwide lists crime among its management-liability products and tells buyers to contact an agent or request a quote; HUB International brokers employee theft, vendor theft and funds-transfer fraud cover.

Van Ness Partners presents a practical comparison of source materials relevant to financial crime exposures.Research updated 2026-09-30

HUB lists employee theft, vendor theft, forgery, computer fraud and funds-transfer fraud and places with carriers that vary by client. Nationwide's overview does not itemize insuring agreements.

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

What each page itemizes

HUB lists employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds-transfer fraud [3]. Nationwide's overview names crime as a commercial product without listing agreements [4].

Who carries the risk

HUB brokers crime coverage and places it with carriers that vary by client [3]. Nationwide describes offering crime itself, with the issued policy governing terms [4].

Contact path

HUB sends prospects to a broker through its business-insurance contact page and describes no online quote [3]. Nationwide sends buyers to an agent or quote request [4].

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

  • Ask HUB which carriers it would approach and what limits and deductibles they offer; the page publishes none [3].
  • Ask Nationwide for the crime form and its covered acts [4].
  • Ask both whether vendor theft and computer fraud are included.

Crime coverage

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 ↗

Nationwide

  • role: Nationwide describes offering crime for the audience stated on the cited product page. crime marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • eligibility: Commercial organizations considering management-liability products; page describes product options and underwriting review. crime marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • coverage: The cited product page describes crime insurance as a named commercial-liability product; Nationwide's product overview does not itemize crime insuring agreements. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. crime marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • application: The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. crime marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • limits: The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred.not-disclosedSource ↗

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
    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

  4. 04
    Commercial Liability Products | Nationwide

    Nationwide · Crime section; products list within management-liability specialty. · accessed 2026-09-30

  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

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