Alliance Risk vs HUB International Business Owner’s Policy

Alliance Risk arranges BOP placements as a brokerage; the BOP page describes the bundled package it places rather than an Alliance-issued policy, and does not name an issuing insurer. ^3,4Company-reported. BOP product page and the general brokerage disclosure on the coverage catalogue page.

HUB brokers business owners policies rather than underwriting them, placing a combined property-and-liability package with an insurer on the client's behalf. ⁸Company-reported. BOP product page as read 2026-09-23; the page does not name an issuing insurer.

Not described in the reviewed sources.

The BOP product page does not name an issuing insurer; HUB places BOP business with insurers that vary by client and placement. ⁸Not found in reviewed sources. Checked the BOP product page on 2026-09-23; no carrier is disclosed there.

Alliance Risk targets its BOP at small and mid-sized businesses that operate from a physical location with customer foot traffic, listing retail and boutiques, offices and consultants, restaurants and food service, artisan contractors, and healthcare and wellness providers as common buyers. ³Company-reported. BOP product page, Who Needs Business Owners Policy? section.

Not described in the reviewed sources.

Alliance Risk's BOP bundles general liability, commercial property and business interruption coverage, with optional endorsements for cyber liability, equipment breakdown, hired and non-owned auto liability, and employment practices liability (EPLI). ³Company-reported. BOP product page; actual endorsement availability depends on the carrier and underwriting.

Alliance Risk's BOP page says the bundled package excludes professional liability claims, workers' compensation, commercial auto coverage, and flood or earthquake damage, each of which needs a separate policy. ³Company-reported. BOP product page, What Doesn't Business Owners Policy Cover? section.

HUB describes its BOP as combining building and business-property insurance, which repairs or replaces damaged buildings, equipment, stock, furniture or fixtures, with business liability insurance for injury or property-damage claims caused by the business or its employees. ⁸Company-reported. Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim.

Alliance Risk's BOP page gives typical annual premium ranges ($500-$1,200 for small businesses, $1,200-$2,500 for medium businesses, $100-$500 per added endorsement) but does not publish standard liability or property limits, deductibles or sublimits. ³Not publicly disclosed. BOP product page as read on 2026-09-23.

Published coverage limits, deductibles or premium ranges for HUB-placed BOPs were not found on the product page. ⁸Not publicly disclosed. Checked the BOP product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page.

Not described in the reviewed sources.

HUB says an advisor works with the client to fine-tune the BOP with options that fit the client's line of business, and positions the policy as a way to eliminate coverage gaps between separate property and liability policies. ⁸Company-reported. Product-page marketing copy; no specific risk-control service beyond broker consultation is described.

You request a BOP quote through Alliance Risk's online quote form or by scheduling a consultation with a risk advisor; the page does not describe specific underwriting information required for a BOP submission. ³Company-reported. BOP product page quote call to action.

HUB directs prospects to contact a HUB broker to get started on a BOP; no online quote or self-serve bind flow is described on the page. ⁸Company-reported. Product-page call to action as read 2026-09-23.