--- title: "Alliance Risk vs HUB International" description: "Compare Alliance Risk with HUB’s technology practice and small-commercial Insureon routing, including team ownership, fees and California producer identity." canonical: "https://spot.insure/compare/alliance-risk-vs-hub-international" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Alliance Risk", "HUB International"] --- [Human-readable page](https://spot.insure/compare/alliance-risk-vs-hub-international) # Alliance Risk vs HUB International Compare Alliance Risk with HUB’s technology practice and small-commercial Insureon routing, including team ownership, fees and California producer identity. ## Research Scope and Use Use this comparison to evaluate Alliance Risk and HUB International against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights Alliance Risk markets technology brokerage from early stage through IPO. HUB offers technology, benefits and risk services, while routing qualifying small-commercial inquiries to its Insureon digital-agency channel. [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") [21](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [19](https://www.hubinternational.com/contact-us/ "Contact Us") [45](https://www.insureon.com/about-us "About Insureon") ## Introduction A small startup with complex contracts should find out which HUB service path it would receive before comparing HUB with Alliance Risk. HUB’s public contact flow sends qualifying small-commercial buyers to Insureon, while its technology practice describes a broader set of business and people risks. Alliance Risk separately markets technology brokerage from early stages through IPO. The first comparison is the actual team and engagement, not the parent company’s total catalogue. [19](https://www.hubinternational.com/contact-us/ "Contact Us") [21](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") ## Documented Provider Strengths ### Alliance Risk - Technology focus from pre-seed through IPO [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.) - No-charge technology E&O policy review [10](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.) ### HUB International - HUB’s technology practice markets insurance and benefits programs to startups and software, hardware and digital-media companies, and says it currently insures more than 5,000 technology companies. [21](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Industry marketing page only. Does not establish California eligibility, insurer panels or policy wording for any named coverage.; verified: 2026-09-16.) - HUB routes qualifying small commercial accounts to Insureon’s online quote and other business insurance to a HUB advisor or local office; there is no published self-serve bind path for mid-market programs on hubinternational.com. [19](https://www.hubinternational.com/contact-us/ "Contact Us") [22](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [23](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [24](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [21](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [17](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | Alliance Risk | HUB International | | --- | --- | --- | | Builders risk | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [21](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Business owner’s policy | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [29](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") | | Cargo and transit | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [39](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [21](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Commercial auto | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [31](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | | Commercial property | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [30](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") | | Crime | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [32](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [27](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Cyber liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [24](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [21](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Directors and officers | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [23](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [21](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Employee health and benefits | Not listed | Listed [41](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [12](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") | | Employment practices liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [27](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [21](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Equipment breakdown | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [40](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") | | Fidelity bonds | Not listed | Listed [27](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Fiduciary liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [33](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [27](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | General liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [22](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") | | Hired and non-owned auto | Not listed | Listed [31](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | | Intellectual property | Listed [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") | Not listed | | Key person | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [21](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Kidnap and ransom | Not listed | Listed [34](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [27](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Liquor liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed | | Management liability | Listed [11](https://joinalliancerisk.com/management-liability-insurance/ "Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together") | Listed [21](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [27](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Media liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed | | Medical malpractice | Not listed | Listed [36](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") | | Product liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [38](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | | Product recall | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [38](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | | Professional liability / E&O | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [25](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [26](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") | | Representations and warranties | Not listed | Listed [37](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") | | Surety bonds | Not listed | Listed [35](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") | | Technology errors and omissions | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [21](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Tools, equipment and inland marine | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [39](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") | | Trucking | Not listed | Listed [31](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | | Umbrella and excess liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [38](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | | Virtual care and telehealth | Not listed | Listed [42](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") | | Workers’ compensation | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [28](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between Alliance Risk and HUB International ### Size-Based Routing Does Not Describe the Whole Risk HUB’s contact page directs businesses with 50 employees or fewer or under $5 million in annual revenue toward Insureon’s online quote route. Those are website routing criteria, not proof that a small company’s unusual software, hardware or contractual exposures will fit a particular insurer. Ask how a small but complex submission reaches a technology specialist and who keeps responsibility during a referral. [19](https://www.hubinternational.com/contact-us/ "Contact Us") [21](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") Alliance Risk’s technology E&O submission requests operational and contract information, including revenue and customer concentration. A comparison can therefore start with the same risk brief and ask each organization to identify the proposed service route before collecting full applications. Neither a contact form nor a routing threshold is underwriting acceptance. [10](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") [6](https://joinalliancerisk.com/get-a-quote/ "Get a Quote") ### Shared Corporate Channels Are Not Independent Market Opinions HUB acquired Insureon’s digital agency, and Insureon identifies its operating division within Specialty Program Group LLC. TechInsurance describes itself as part of Insureon and HUB as well. A founder who has already approached one of those channels should disclose that when talking to HUB; the brands do not represent three unrelated brokerage groups. The records do not establish that every HUB office uses the same submission route or insurers. [45](https://www.insureon.com/about-us "About Insureon") [46](https://www.insureon.com/legal/licenses "Insurance Licenses by State") [48](https://www.techinsurance.com/about-us "About Us | TechInsurance") For a local HUB engagement, the reviewed San Francisco page and terms do not identify the precise contracting producer. Insureon’s disclosed entity should not simply be assigned to that local account. Alliance Risk identifies its brokerage entity and publishes a California number, but its product route also remains quote-specific. Obtain the producer name on the actual engagement documents. [12](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") [16](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [46](https://www.insureon.com/legal/licenses "Insurance Licenses by State") [3](https://joinalliancerisk.com/terms-conditions/ "Terms & Conditions") [5](https://joinalliancerisk.com/insurance-licenses/ "Insurance Licenses") ### Specialist Services Should Have Named Owners and Prices HUB describes local policy service, benefits planning, an RMIS with different tiers, and a claims-management practice. These capabilities could matter when a finance team coordinates people, policies and loss information, but the reviewed pages do not establish universal access or a standard service fee. Alliance Risk’s published policy review and online access likewise need to be translated into concrete deliverables. [27](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [41](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [44](https://www.hubinternational.com/products/risk-services/risk-management-information-system/ "Risk Management Information System (RMIS)") [43](https://www.hubinternational.com/products/risk-services/claims-management/ "Insurance Claims Management") [10](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") [8](https://joinalliancerisk.com/ "All In One Insurance Risk Advisory to Protect Your Business") HUB’s compensation disclosure describes strategic-carrier incentives and possible additional compensation through owned wholesale intermediaries, as well as client fees on some programs. Alliance Risk’s terms also allow fees and commissions. A useful proposal identifies both who is doing the work and the full compensation attached to the placement, without assuming that more layers are necessarily unsuitable. [18](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") [3](https://joinalliancerisk.com/terms-conditions/ "Terms & Conditions") ## What to Confirm in Quotes - Will this account be serviced through Insureon, a HUB technology practice or another local team, and who handles referrals between them? - Do prior TechInsurance or Insureon submissions overlap with the markets now proposed, and who will coordinate approaches? - Are benefits planning, RMIS access and claims advocacy included, optional or separately contracted, with which named staff? - Which producer and insurers cover the California risk, and what commissions, wholesale compensation, client fees and strategic-carrier arrangements apply? ## Service Comparison Alliance Risk vs HUB International: documented services and availability. | Criteria | Alliance Risk | HUB International | | --- | --- | --- | | Customer focus | Alliance Risk markets to technology businesses from pre-seed through public-company stages, including SaaS, hardware, fintech, healthtech and AI. [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.) | HUB’s San Francisco Mission Street office says its brokers work across commercial lines, personal lines and high-net-worth, and employee benefits, and names Bay Area industries including technology, venture capital, healthcare and life sciences, real estate and construction. The same page says the team helps startups navigate risk. That is office marketing, not a published eligibility list. [12](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") [13](https://www.hubinternational.com/offices/us/california/san-francisco-44-montgomery-street/ "HUB International San Francisco 44 Montgomery Street") (Evidence: Company-reported; scope: HUB International San Francisco office page at 201 Mission Street. A separate 44 Montgomery Street office describes contractor bonding and City of San Francisco contractor-development work under a Merriwether & Williams history.; verified: 2026-09-16.)

HUB’s technology-company page addresses fast-growing startups and established software, hardware or digital-media businesses. It lists a technology-specific mix that includes professional liability/technology E&O, cyber, D&O and other management liability, transactional/warranty insurance, workers’ compensation, employee benefits and key-person coverages. The page also claims more than 5,000 technology companies currently insured; that figure is company-reported and was not independently counted here. [21](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Industry marketing page only. Does not establish California eligibility, insurer panels or policy wording for any named coverage.; verified: 2026-09-16.)

HUB’s contact page says it supports small businesses through partner Insureon and directs companies with 50 employees or fewer or under $5 million in annual revenue to start with an online quote. Larger or other commercial needs are directed to HUB commercial-insurance teams or a local office search. Those thresholds are HUB’s routing rules, not a regulatory definition of small business. [19](https://www.hubinternational.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: HUB contact-us Business Solutions copy as of 16 September 2026. Actual Insureon underwriting appetite can differ by product and insurer.; verified: 2026-09-16.) | | Application process | The quote page starts with a contact request for company, website, contact details and a message. It advertises a free, no-obligation quote; the visible form does not provide a bindable offer. [6](https://joinalliancerisk.com/get-a-quote/ "Get a Quote") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.)

For technology E&O, Alliance Risk requests service details, revenue, employee count, major client contracts, existing coverage, five-year claims history and customer concentration. It says it reviews the current program and approaches specialist carriers. [10](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.)

The general quote page advertises a quote within 24 hours, while the technology page gives 48–72 hours for standard software risks and five to ten business days for hardware, fintech, healthtech and AI. Treat timing as company estimates, not a binding deadline. [6](https://joinalliancerisk.com/get-a-quote/ "Get a Quote") [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") (Evidence: Conflicting sources; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.) | On hubinternational.com, commercial buyers are asked to contact a broker, connect with a specialist, or use Contact Us. Small-commercial inquiries meeting HUB’s stated size tests go to Insureon for an online quote. Product pages such as general liability, D&O, cyber and workers’ compensation use “Contact Us” or “Connect With a Broker” rather than an on-site bind flow. Privacy policy language refers to automation for insurance quoting, without documenting a public HUB retail e-commerce checkout for mid-market programs. [19](https://www.hubinternational.com/contact-us/ "Contact Us") [22](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [23](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [24](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [21](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [17](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.) | | Servicing and renewals | Alliance Risk offers a no-charge review of existing technology E&O policies, including gaps, retroactive dates and market alternatives. This is a company-described service, not evidence of review quality. [10](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.)

Alliance Risk advertises online program access and 24/7 support. Its contact page lists weekday telephone hours of 9am–6pm EST; an after-hours response commitment and renewal timetable were not established in those pages. [8](https://joinalliancerisk.com/ "All In One Insurance Risk Advisory to Protect Your Business") [7](https://joinalliancerisk.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.) | HUB describes ongoing servicing through local account teams (ProEx notes local policy review and certificates of insurance), a Risk Management Information System for claims administration, certificate tracking and carrier/TPA data, and employee-benefits work that includes multi-year cost planning and renewal support. RMIS is described as available in various tiers. None of those pages publish a standard service-level agreement or fee for those tools. [27](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [44](https://www.hubinternational.com/products/risk-services/risk-management-information-system/ "Risk Management Information System (RMIS)") [41](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") (Evidence: Company-reported; scope: Company-described servicing capabilities. Client eligibility for RMIS or ProEx specialist teams is not defined on the public pages.; verified: 2026-09-16.) | | Fees and compensation | Alliance Risk’s terms allow service, installment, cancellation and flat fees, and fees or commissions from insurers or other third parties. The terms do not state amounts or commission rates. A free quote does not establish free ongoing service. [3](https://joinalliancerisk.com/terms-conditions/ "Terms & Conditions") [6](https://joinalliancerisk.com/get-a-quote/ "Get a Quote") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.) | HUB’s How We Get Paid page says it is compensated primarily through insurer-paid commissions included in premium, and also through contingent income, guaranteed supplemental commissions, and, on some complex programs, client-paid fees disclosed in a proposal, sometimes in addition to commission. It owns wholesale brokerages that may earn a second commission when HUB retail uses them. It may receive fees for de-identified data under insurer consulting agreements, premium-finance administration, interest on fiduciary accounts, and policy or claims administration. Strategic Carriers may pay enhanced compensation, part of which may incentivize employees to prioritize those markets. No schedule of commission percentages or standard fees is published. [18](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") (Evidence: Company-reported; scope: Firmwide compensation disclosure. Amounts for a given account are not disclosed on the public page.; verified: 2026-09-16.) | | Availability | Alliance Risk publishes California license number 6014559 and producer NPN 21240567. These are company disclosures; current regulator status, authorized lines and the insurer or surplus-lines route for a California startup remain unverified. [5](https://joinalliancerisk.com/insurance-licenses/ "Insurance Licenses") [8](https://joinalliancerisk.com/ "All In One Insurance Risk Advisory to Protect Your Business") (Evidence: Company-reported; scope: California producer identifiers as published by the company. CDI license-number search returned HTTP 403 during research; no individual license record was obtained.; verified: 2026-09-16.)

The technology page says Alliance Risk places startup insurance in all 50 states, but section 4 of its terms limits products and services to selected states. Confirm California availability for each requested line. [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") [3](https://joinalliancerisk.com/terms-conditions/ "Terms & Conditions") (Evidence: Conflicting sources; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.) | HUB says it has 700+ offices and 21,000+ employees across North America, with corporate headquarters in Chicago. It publishes a California office directory that includes two San Francisco addresses (201 Mission Street and 44 Montgomery Street). An office location is evidence of a local brokerage presence, not of admitted-product availability, surplus-lines use, or that a given coverage can be bound for a California-domiciled company. [15](https://www.hubinternational.com/about-us/ "About Us") [14](https://www.hubinternational.com/offices/us/california/ "California Insurance Brokers") [12](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") [13](https://www.hubinternational.com/offices/us/california/san-francisco-44-montgomery-street/ "HUB International San Francisco 44 Montgomery Street") (Evidence: Company-reported; scope: Company-reported footprint and office directory. No 50-state product map was found on the reviewed HUB pages.; verified: 2026-09-16.)

HUB’s terms say subsidiaries are licensed as brokers or agents in various U.S. states, without naming the California entity for the San Francisco offices. Insureon publishes California license 0L09546 for Specialty Program Group LLC, dba SPG Insurance Solutions; that is Insureon’s disclosure, not an independent California Department of Insurance confirmation. The current license status of SPG and the producer for a HUB San Francisco engagement remain independently unverified. Confirm which entity will appear on the policy and any surplus-lines filing. [16](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [12](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") [46](https://www.insureon.com/legal/licenses "Insurance Licenses by State") [49](https://cdicloud.insurance.ca.gov/cal "California Department of Insurance License Status Inquiry") (Evidence: Not found in reviewed sources; scope: Reviewed 16 September 2026. Interactive CDI search was not used to produce a screenshot or official abstract. No license number is independently verified here.; verified: 2026-09-16.) | ## Related Reading - [What Is Alliance Risk?](https://spot.insure/insurance-providers/alliance-risk) - [What Is HUB International?](https://spot.insure/insurance-providers/hub-international) ## Related Comparisons - [Alliance Risk vs Amelia Risk](https://spot.insure/compare/alliance-risk-vs-amelia-risk) - [Alliance Risk vs Armilla](https://spot.insure/compare/alliance-risk-vs-armilla) - [Alliance Risk vs At-Bay](https://spot.insure/compare/alliance-risk-vs-at-bay) - [Alliance Risk vs Beazley](https://spot.insure/compare/alliance-risk-vs-beazley) - [Alliance Risk vs CFC](https://spot.insure/compare/alliance-risk-vs-cfc) - [Alliance Risk vs Chubb](https://spot.insure/compare/alliance-risk-vs-chubb) - [Alliance Risk vs Coalition](https://spot.insure/compare/alliance-risk-vs-coalition) - [Alliance Risk vs Corgi](https://spot.insure/compare/alliance-risk-vs-corgi) - [Alliance Risk vs Coterie Insurance](https://spot.insure/compare/alliance-risk-vs-coterie) - [Alliance Risk vs Coverdash](https://spot.insure/compare/alliance-risk-vs-coverdash) - [Alliance Risk vs Cowbell](https://spot.insure/compare/alliance-risk-vs-cowbell) - [Alliance Risk vs Embroker](https://spot.insure/compare/alliance-risk-vs-embroker) - [Alliance Risk vs Founder Shield](https://spot.insure/compare/alliance-risk-vs-foundershield) - [Alliance Risk vs Gallagher](https://spot.insure/compare/alliance-risk-vs-gallagher) - [Alliance Risk vs Harper](https://spot.insure/compare/alliance-risk-vs-harper) - [Alliance Risk vs Heffernan Insurance Brokers](https://spot.insure/compare/alliance-risk-vs-heffernan) - [Alliance Risk vs Hiscox](https://spot.insure/compare/alliance-risk-vs-hiscox) - [Alliance Risk vs Kinro](https://spot.insure/compare/alliance-risk-vs-kinro) - [Alliance Risk vs Layr](https://spot.insure/compare/alliance-risk-vs-layr) - [Alliance Risk vs Lockton](https://spot.insure/compare/alliance-risk-vs-lockton) - [Alliance Risk vs Marsh](https://spot.insure/compare/alliance-risk-vs-marsh) - [Alliance Risk vs Mylo](https://spot.insure/compare/alliance-risk-vs-mylo) - [Alliance Risk vs Newfront](https://spot.insure/compare/alliance-risk-vs-newfront) - [Alliance Risk vs ERGO NEXT Insurance](https://spot.insure/compare/alliance-risk-vs-next-insurance) - [Alliance Risk vs Pie Insurance](https://spot.insure/compare/alliance-risk-vs-pie-insurance) - [Alliance Risk vs Relm Insurance](https://spot.insure/compare/alliance-risk-vs-relm) - [Alliance Risk vs Resilience](https://spot.insure/compare/alliance-risk-vs-resilience) - [Alliance Risk vs RiskCube](https://spot.insure/compare/alliance-risk-vs-riskcube) - [Alliance Risk vs Risklytics Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics) - [Alliance Risk vs StartupInsurance.ai](https://spot.insure/compare/alliance-risk-vs-startupinsurance) - [Alliance Risk vs TechInsurance](https://spot.insure/compare/alliance-risk-vs-techinsurance) - [Alliance Risk vs The Hartford](https://spot.insure/compare/alliance-risk-vs-the-hartford) - [Alliance Risk vs Travelers Insurance](https://spot.insure/compare/alliance-risk-vs-travelers) - [Alliance Risk vs USI](https://spot.insure/compare/alliance-risk-vs-usi) - [Alliance Risk vs Vouch](https://spot.insure/compare/alliance-risk-vs-vouch) - [Alliance Risk vs WithCoverage](https://spot.insure/compare/alliance-risk-vs-withcoverage) - [Amelia Risk vs HUB International](https://spot.insure/compare/amelia-risk-vs-hub-international) - [Armilla vs HUB International](https://spot.insure/compare/armilla-vs-hub-international) - [At-Bay vs HUB International Insurance](https://spot.insure/compare/at-bay-vs-hub-international) - [Beazley vs HUB International](https://spot.insure/compare/beazley-vs-hub-international) - [CFC vs HUB International](https://spot.insure/compare/cfc-vs-hub-international) - [Chubb vs HUB International](https://spot.insure/compare/chubb-vs-hub-international) - [Coalition vs HUB International](https://spot.insure/compare/coalition-vs-hub-international) - [Corgi vs HUB International](https://spot.insure/compare/corgi-vs-hub-international) - [Coterie vs HUB International](https://spot.insure/compare/coterie-vs-hub-international) - [Coverdash vs HUB International](https://spot.insure/compare/coverdash-vs-hub-international) - [Cowbell vs HUB International](https://spot.insure/compare/cowbell-vs-hub-international) - [Embroker vs HUB International](https://spot.insure/compare/embroker-vs-hub-international) - [Founder Shield vs HUB International](https://spot.insure/compare/foundershield-vs-hub-international) - [Gallagher vs HUB International](https://spot.insure/compare/gallagher-vs-hub-international) - [Harper vs HUB International](https://spot.insure/compare/harper-vs-hub-international) - [Heffernan vs HUB International](https://spot.insure/compare/heffernan-vs-hub-international) - [Hiscox vs HUB International](https://spot.insure/compare/hiscox-vs-hub-international) - [HUB International vs Kinro](https://spot.insure/compare/hub-international-vs-kinro) - [HUB International vs Layr](https://spot.insure/compare/hub-international-vs-layr) - [HUB International vs Lockton](https://spot.insure/compare/hub-international-vs-lockton) - [HUB International vs Marsh](https://spot.insure/compare/hub-international-vs-marsh) - [HUB International vs Mylo](https://spot.insure/compare/hub-international-vs-mylo) - [HUB International vs Newfront](https://spot.insure/compare/hub-international-vs-newfront) - [HUB International vs NEXT Insurance](https://spot.insure/compare/hub-international-vs-next-insurance) - [HUB International vs Pie Insurance](https://spot.insure/compare/hub-international-vs-pie-insurance) - [HUB International vs Relm Insurance](https://spot.insure/compare/hub-international-vs-relm) - [HUB International vs Resilience](https://spot.insure/compare/hub-international-vs-resilience) - [HUB International vs RiskCube](https://spot.insure/compare/hub-international-vs-riskcube) - [HUB International vs Risklytics](https://spot.insure/compare/hub-international-vs-risklytics) - [HUB International vs StartupInsurance.ai](https://spot.insure/compare/hub-international-vs-startupinsurance) - [HUB International vs TechInsurance](https://spot.insure/compare/hub-international-vs-techinsurance) - [HUB International vs The Hartford](https://spot.insure/compare/hub-international-vs-the-hartford) - [HUB International vs Travelers](https://spot.insure/compare/hub-international-vs-travelers) - [HUB International vs USI](https://spot.insure/compare/hub-international-vs-usi) - [HUB International vs Vouch](https://spot.insure/compare/hub-international-vs-vouch) - [HUB International vs WithCoverage](https://spot.insure/compare/hub-international-vs-withcoverage) ## Sources ### [Alliance Risk Official Website](https://joinalliancerisk.com/) 1. [Technology Insurance](https://joinalliancerisk.com/technology-insurance/). Alliance Risk; What is Technology Insurance?; Types of Technology; Types of Coverage; startup placement introduction; quote documents and process. Accessed 2026-09-16. 2. [About Us](https://joinalliancerisk.com/about-us/). Alliance Risk; Our Story. Accessed 2026-09-16. 3. [Terms & Conditions](https://joinalliancerisk.com/terms-conditions/). Alliance Risk; Sections 1, 4, 5, 17 and 18; last updated October 30, 2024. Accessed 2026-09-16. 4. [Privacy Policy](https://joinalliancerisk.com/privacy-policy/). Alliance Risk; Sections 1, 4, 5 and 13; revised October 30, 2024. Accessed 2026-09-16. 5. [Insurance Licenses](https://joinalliancerisk.com/insurance-licenses/). Alliance Risk; CA entry; site footer producer trade name and NPN. Accessed 2026-09-16. 6. [Get a Quote](https://joinalliancerisk.com/get-a-quote/). Alliance Risk; Request form; Why Alliance Risk?; Prefer to Call?. Accessed 2026-09-16. 7. [Contact Us](https://joinalliancerisk.com/contact-us/). Alliance Risk; Talk to an Expert; Prefer to Call?. Accessed 2026-09-16. 8. [All In One Insurance Risk Advisory to Protect Your Business](https://joinalliancerisk.com/). Alliance Risk; Why Us?; footer brokerage disclosure. Accessed 2026-09-16. 9. [Alliance Products](https://joinalliancerisk.com/coverages/). Alliance Risk; Coverages product cards, from Accountant Professional Liability through Wrap-Up Insurance. Accessed 2026-09-16. 10. [Tech E&O Insurance](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/). Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16. 11. [Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together](https://joinalliancerisk.com/management-liability-insurance/). Alliance Risk; Closing offer to recommend a package or standalone approach; three core lines. Accessed 2026-09-16. ### [HUB International Official Website](https://www.hubinternational.com) 12. [Insurance Broker San Francisco](https://www.hubinternational.com/offices/us/california/san-francisco/). HUB International; JSON-LD InsuranceAgency record naming HUB International Limited as parent; About Us office copy for 201 Mission Street; products and industries blocks. Accessed 2026-09-16. 13. [HUB International San Francisco 44 Montgomery Street](https://www.hubinternational.com/offices/us/california/san-francisco-44-montgomery-street/). HUB International; Office profile describing Merriwether & Williams Insurance Services history, bonding and contractor-development programs. Accessed 2026-09-16. 14. [California Insurance Brokers](https://www.hubinternational.com/offices/us/california/). HUB International; Introductory copy and listed California office directory including San Francisco locations. Accessed 2026-09-16. 15. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16. 16. [Terms and Conditions](https://www.hubinternational.com/terms-and-conditions/). HUB International; Licensing section stating subsidiaries are licensed as brokers or agents in various U.S. states and Canadian provinces. Accessed 2026-09-16. 17. [HUB International Privacy Policy](https://www.hubinternational.com/about-us/privacy-policy/). HUB International; Effective 21 August 2025; applies to HUB International Limited and subsidiaries; insurance brokerage services; automation for quoting. Accessed 2026-09-16. 18. [How We Get Paid](https://www.hubinternational.com/about-us/how-we-get-paid/). HUB International; Commission, contingency, supplemental commission, client-paid fees, wholesale, carrier-services, strategic-carrier and other-compensation sections. Accessed 2026-09-16. 19. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16. 20. [Business Insurance Broker Coverage Policy](https://www.hubinternational.com/products/business-insurance/). HUB International; Essential coverage and beyond-the-basics product catalogue. Accessed 2026-09-16. 21. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Startup and software/hardware/digital-media audience; listed business and people coverages; claimed technology-client count. Accessed 2026-09-16. 22. [General Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/general-liability/). HUB International; Product page describing typical general-liability subjects and invitation to contact a broker. Accessed 2026-09-16. 23. [Directors and Officers (D&O) Liability Insurance Broker](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/). HUB International; Product page for private, nonprofit and public-company D&O brokerage. Accessed 2026-09-16. 24. [Cyber Insurance](https://www.hubinternational.com/products/business-insurance/cyber-insurance/). HUB International; Product page describing first-party and post-breach cyber expenses as typically arranged. Accessed 2026-09-16. 25. [Professional Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/). HUB International; Product page equating professional liability with errors and omissions and describing typical claim types. Accessed 2026-09-16. 26. [Errors and Omissions (E&O) Insurance Coverage](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/). HUB International; Industries listed for E&O including technology, and statement that policies are customized. Accessed 2026-09-16. 27. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; Professional & Executive Risk practice: EPL, fiduciary, crime/fidelity, K&R; certificates of insurance; claims and legal support; carrier-premium claim. Accessed 2026-09-16. 28. [Workers' Compensation Insurance Brokers](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/). HUB International; Product page on workers’ compensation brokerage, state-fund variation and typical benefits. Accessed 2026-09-16. 29. [Business Owners Policy (BOP) Company Coverage](https://www.hubinternational.com/products/business-insurance/business-owners-policy/). HUB International; BOP described as combined property and liability for small and mid-size businesses. Accessed 2026-09-16. 30. [Commercial (Business) Property Insurance Brokers](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/). HUB International; Property Practice description, domestic and global carrier access, traditional and alternative structures. Accessed 2026-09-16. 31. [Commercial Auto Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/commercial-auto/). HUB International; Commercial auto and trucking insurance; hired and non-owned exposures. Accessed 2026-09-16. 32. [Crime Insurance Brokers](https://www.hubinternational.com/products/business-insurance/crime-insurance/). HUB International; Crime/fraud coverage product page for private, public and not-for-profit organizations. Accessed 2026-09-16. 33. [Fiduciary Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/). HUB International; Fiduciary liability product page distinguishing it from D&O. Accessed 2026-09-16. 34. [Kidnap and Ransom Insurance Brokers](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/). HUB International; Kidnap and ransom product page for traveling executives and employees. Accessed 2026-09-16. 35. [Surety Bonds and Surety Bond Insurance for Businesses](https://www.hubinternational.com/products/business-insurance/surety-bonds/). HUB International; Contract surety types including bid, performance and payment bonds. Accessed 2026-09-16. 36. [Medical Malpractice Insurance Brokers](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/). HUB International; Medical malpractice brokerage, including telemedicine-related risks. Accessed 2026-09-16. 37. [Mergers & Acquisitions (M&A) Insurance Broker](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/). HUB International; Representations and warranties, litigation buyout and tax indemnification insurance. Accessed 2026-09-16. 38. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). HUB International; General and product liability, umbrella and excess, workers’ compensation, product recall ancillary, global carrier relationships. Accessed 2026-09-16. 39. [Marine Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/marine-insurance/). HUB International; Ocean and inland marine, cargo and related marine liability coverages; domestic and international carriers. Accessed 2026-09-16. 40. [Boiler and Machinery Equipment Insurance Coverage](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/). HUB International; Equipment breakdown / boiler and machinery product page. Accessed 2026-09-16. 41. [Employee Benefits Brokers and Consulting Services](https://www.hubinternational.com/products/employee-benefits/). HUB International; Employee-benefits brokerage and multi-year planning services. Accessed 2026-09-16. 42. [Virtual Care Insurance Brokerage Coverage](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/). HUB International; Virtual care medical professional liability, technology E&O, products liability, cyber and management liability list. Accessed 2026-09-16. 43. [Insurance Claims Management](https://www.hubinternational.com/products/risk-services/claims-management/). HUB International; Claims advocacy, TPA coordination, coverage-dispute support and published process metrics. Accessed 2026-09-16. 44. [Risk Management Information System (RMIS)](https://www.hubinternational.com/products/risk-services/risk-management-information-system/). HUB International; RMIS claims administration, certificate tracking and carrier/TPA data aggregation. Accessed 2026-09-16. 45. [About Insureon](https://www.insureon.com/about-us). Insureon; Insureon as part of HUB; licensed in every state; named example insurers; 2022 acquisition history; TechInsurance origin. Accessed 2026-09-16. 46. [Insurance Licenses by State](https://www.insureon.com/legal/licenses). Insureon; California 0L09546; footer that Insureon operates as a division of Specialty Program Group LLC dba SPG Insurance Solutions. Accessed 2026-09-16. 47. [Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon). Insureon; 1 March 2022 announcement that HUB would acquire the Insureon digital agency and brand; operations to sit in Specialty Program Group LLC. Accessed 2026-09-16. 48. [About Us | TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; TechInsurance as part of Insureon; 2022 HUB acquisition of Insureon’s digital agency. Accessed 2026-09-16. 49. [California Department of Insurance License Status Inquiry](https://cdicloud.insurance.ca.gov/cal). California Department of Insurance; Public license-search portal landing page; interactive search was not completed to a verifiable license record in this research. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/alliance-risk-vs-hub-international.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)