What Are the Key Differences Between HUB International and RiskCube Crime Insurance?
RiskCube’s 24-hour goal is for vendor-ready proof, not a stated bound-policy turnaround; it also publishes no crime limit. HUB names six crime types, including vendor theft and funds-transfer fraud, but routes buyers to a broker. [5] [3]
Broker Contact Versus Digital Catalogue Intake
HUB brokers commercial crime insurance rather than underwriting it and directs prospects to connect with a broker through its business-insurance contact page, with no online quote flow described. RiskCube brokers commercial crime as a line in its startup insurance catalogue, comparing carrier options rather than issuing the policy, after a roughly 10-minute digital intake followed by AI agents and licensed brokers. RiskCube aims for vendor-ready proof of coverage in about 24 hours across catalogue lines including commercial crime. [3] [5]
Who Issues the Policy
RiskCube’s disclosures say it is not an insurance carrier and that insurance products including commercial crime are underwritten and issued by third-party carriers it does not name. HUB’s crime insurance page does not name an issuing insurer; HUB places crime coverage with carriers that vary by client and placement. [4] [3]
Startup Funds Versus Private, Public and Nonprofit Buyers
HUB lists employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds-transfer fraud, and says coverage is available for private, public and not-for-profit organizations. RiskCube describes commercial crime as protecting a startup against losses from employee theft, fraud, forgery and social-engineering attacks, and calls it essential for startups handling client funds, payment data or operating with a distributed team. Neither page publishes specific crime limits. RiskCube’s catalogue does not describe crime-specific risk-control services. [3] [5]
What Should You Confirm in HUB International and RiskCube Crime Insurance Quotes?
- Ask RiskCube which carrier it compared and whether the 24-hour proof-of-coverage timeline applies. [5] [4]
- Ask HUB which carrier it would place and whether vendor theft is on the form. [3]
- Confirm whether social-engineering attacks, which RiskCube lists, appear on the HUB-placed form. [5] [3]
- Get dollar limits from both; neither reviewed page publishes standard figures. [3] [5]