Alliance Risk vs 
HUB International Builders Risk Insurance
Alliance Risk brokers wraps and inland marine; HUB pairs builder’s risk with site-security, leak-detection and fire-coating vendors.
What Is Alliance Risk?
Alliance Risk describes itself as an independent commercial insurance brokerage serving complex businesses, including technology startups. Its offering includes technology E&O placement and review of existing policies. 1,2
What Is HUB International?
HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. 5,6,7
What Is Builders Risk Insurance?
Builders risk insurance addresses physical property losses during building construction. 10
Key Differences in Builders Risk Insurance
Placement Plus Wrap Versus Placement Plus Mitigation Vendors
Alliance Risk and HUB both broker builders risk. Alliance Risk’s process is project-scope review and risk benchmarking across timeline, geography, materials and subcontractors, with wrap-up structures and inland marine for off-site materials. HUB says it pairs the policy with third-party vendors for site security, automated leak detection and fire-resistant coatings, plus a mobile app that shows carrier underwriting requirements. 3 8 9
Who Each Solution Is For
Alliance Risk lists owners, investors, developers, GCs, construction managers and A&E firms. HUB markets to project owners, general contractors and developers of both frame and non-frame construction. HUB describes coverage for property used in construction, installation and renovation against theft, fire and water damage. 3 9 8
How You Start and What Happens After a Loss
Alliance Risk’s page describes collaboration with owner, developer and contractor and a construction claims team through closeout. HUB directs prospects to connect with a broker or construction specialists for a project-specific assessment; no online quote flow is described. Neither product page names an issuing insurer. Obtain project-specific pricing from both brokers; HUB does not publish premium bands. 3 8
What to Confirm in Builders Risk Insurance Quotes
- Ask HUB which mitigation vendors are required by the carrier and whether their cost is inside the premium. 8
- Ask Alliance Risk whether inland marine and a wrap-up are included. 3
- Confirm frame versus non-frame underwriting requirements that HUB’s app is said to display. 8
- Get the issuing carrier from both. 3 8
Offering Details
Alliance Risk vs HUB International Builders Risk Insurance: documented features by provider
| Criteria | Alliance Risk Builders Risk Insurance | HUB Builder's Risk Insurance Solutions |
|---|---|---|
| Role in This Line | Alliance Risk, described on its site as a brokerage, arranges builders risk placements through what it calls "strong carrier partnerships"; the builders risk page does not name a specific issuing insurer. 3,4Company-reported. Builders risk product page and the general brokerage disclosure on the coverage catalogue page. | HUB brokers builder's risk insurance and bundles it with a coordinated mitigation program rather than underwriting the policy itself. 8,9Company-reported. Builder's risk product page and 2024 launch press release, as read 2026-09-23; neither names an issuing insurer. |
| Issuing Insurer | Not described in the reviewed sources. | Neither the product page nor the launch press release names an issuing insurer or carrier partner for this solution. 8,9Not found in reviewed sources. Checked both pages on 2026-09-23; the press release explicitly states it does not specify carrier partners. |
| Who It’s For | Alliance Risk lists property owners, real estate investors, developers, general contractors, construction managers, and architecture and engineering firms as common builders risk buyers. 3Company-reported. Builders risk product page, Who Needs Builders Risk Insurance? section. | HUB markets this solution to project owners, general contractors and developers of both frame and non-frame construction projects. 9Company-reported. Launch press release target-market description. |
| Coverage Features | Alliance Risk's builders risk offering bundles inland marine coverage for tools, machinery and materials in transit or stored off-site alongside the course-of-construction policy, and supports OCIP, CCIP and wrap-up structures for multi-party projects. 3Company-reported. Builders risk product page; actual policy structure depends on the carrier and the policy as issued. | HUB describes builder's risk coverage for property used in construction, installation and renovation projects, protecting against theft, fire and water damage during the build. 8Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim. |
| Limits and Retentions | Alliance Risk's builders risk page does not publish specific policy limits, deductibles or soft-cost sublimits. It contains inconsistent percentage and dollar premium illustrations—1%–4% of total construction value and $25,000–$100,000 on a $5 million build—that cannot be used as a reliable budget or quote. 3Not publicly disclosed. Builders risk product page as read on 2026-09-23; the published premium illustrations are inconsistent and are not a reliable estimate. | Not described in the reviewed sources. |
| Risk Services | Alliance Risk says its builders risk process includes project scope review and risk benchmarking across timeline, geography, materials and subcontractor risk, done in collaboration with the project owner, developer and contractor. 3Company-reported. Builders risk product page, Our Approach to Builders Risk section. | HUB says it pairs the policy with third-party vendors for site security, automated leak detection and fire-resistant coatings, plus a mobile app that shows carrier underwriting requirements, run by its construction insurance specialists. 8,9Company-reported. Product-page and press-release service description; a company-reported program, not an independently assessed outcome. |
| How to Apply | Not described in the reviewed sources. | HUB directs prospects to connect with a broker or its construction insurance specialists for a project-specific assessment; no online quote flow is described. 8Company-reported. Product-page call to action as read 2026-09-23. |
| Claims Support | Alliance Risk says its construction claims team provides claims advocacy for builders risk policyholders from an initial loss through project closeout, aiming to reduce downtime and financial disruption. 3Company-reported. Builders risk product page, The Alliance Risk Difference section; outcome statements are company-reported and not independently verified. | Not described in the reviewed sources. |
Full Comparison
More Alliance Risk vs HUB International Comparisons
Other Builders Risk Insurance Comparisons
Sources
Alliance Risk
- About Us. Alliance Risk; Our Story. Accessed 2026-09-16.
- Tech E&O Insurance. Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16.
- Builders Risk Insurance. Alliance Risk; Builders Risk Insurance That Keeps Your Projects on Track; Our Approach to Builders Risk; The Alliance Risk Difference; Who Needs Builders Risk Insurance?; How Much Does Builders Risk Insurance Cost? Accessed 2026-09-23.
- Alliance Products. Alliance Risk; Footer brokerage disclosure: "Alliance Risk is an insurance brokerage focused on providing clients with commercial insurance across a wide array of industries.". Accessed 2026-09-23.
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- Builder's Risk Insurance Broker & Coverage Policy. HUB International; Coverage description for construction, installation and renovation projects; site security, water protection and fire resistance mitigation components; proprietary mobile app; frame and non-frame construction; Connect With a Broker. Accessed 2026-09-23.
- HUB International Launches Builder's Risk Insurance Solutions. HUB International; February 22, 2024 announcement naming project owners, general contractors and developers of frame and non-frame projects as the target market; third-party mitigation vendor coordination. Accessed 2026-09-23.
Builders Risk Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16.
