What Are the Key Differences Between HUB International and USI Insurance Services Crime Insurance?
If you want a review of existing crime terms inside management liability, USI describes that ExecuSafe service. HUB instead publishes a named list of employee, vendor, computer and funds-transfer fraud types for private, public and nonprofit organizations. [8] [3]
General Crime Brokerage Versus Trade-Focused Placement
HUB brokers commercial crime insurance rather than underwriting it. USI brokers crime covering employee theft and related fraud, either as a standalone placement or as part of a management-liability review under ExecuSafe. Neither HUB’s crime page nor USI’s reviewed pages name the insurer. [3] [7] [8]
Listed Perils Versus Named Trades
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. USI’s Business Services practice, which lists crime coverage, says it targets building and maintenance, repair service, janitorial, staffing and printing companies, citing employee errors and misconduct. USI’s ExecuSafe review checks a client’s existing crime coverage as part of a broader management-liability review. [3] [7] [8]
Contact Page Versus Dedicated Emails
HUB directs prospects to connect with a broker through its business-insurance contact page, with no online quote flow described. USI’s Business Services practice says it offers classification and exposure reviews, claim advocacy and risk control across lines including crime, and routes those inquiries through a published inbox or local office while ExecuSafe uses a separate Select Business inbox. Neither page publishes crime limits. [3] [7] [8]
What Should You Confirm in HUB International and USI Insurance Services Crime Insurance Quotes?
- Ask USI whether crime is standalone or part of ExecuSafe, and which inbox will handle you. [7] [8]
- Ask HUB whether vendor theft and computer fraud are on the form. [3]
- If you are in janitorial, staffing or printing, confirm USI’s classification and exposure reviews apply. [7]
- Get the writing company and limits from both. [3] [7]