Alliance Risk vs HUB International Product Liability Insurance

Not described in the reviewed sources.

HUB brokers general and product liability insurance as part of its casualty practice, arranging coverage with regional, national and specialty carriers rather than underwriting the policy itself. ⁷Company-reported. Casualty product page, read 2026-09-23; the page does not name a specific issuing insurer.

The product liability page does not name a specific insurer or carrier that Alliance Risk places this coverage with; it describes standard-market versus excess-and-surplus carrier appetite by hazard class in general market terms. ³Not publicly disclosed. Checked the full dedicated product page as read on 2026-09-23; no carrier is identified by name for this line.

HUB says it maintains relationships with regional, national and specialty carriers for casualty placements, but the reviewed page does not name the insurer that would issue a given client's product liability policy. ⁷Not found in reviewed sources. Checked the casualty product page on 2026-09-23; the carrier for a specific placement depends on the quote.

Alliance Risk's product liability page frames this coverage for manufacturers, distributors and retailers facing lawsuits over defective or harmful products they made, sold or distributed. ³Company-reported. Dedicated Alliance Risk product page for this line, as read on 2026-09-23. This is a general description of who needs the coverage type, not an eligibility criterion Alliance Risk applies to applicants.

HUB highlights vertical expertise in transportation, construction, healthcare, hospitality, manufacturing and real estate as industries where it says commercial liability exposures, including product liability, are most complex. ⁷Company-reported. Casualty product page industry-expertise description; not an underwriting appetite statement.

Alliance Risk's page explains that for manufacturers, product liability is usually a component of the general liability policy's products-completed operations hazard rather than a standalone policy, with its own separate aggregate limit that a general aggregate cannot backfill once exhausted. ³Company-reported. Product page explainer on the ISO CG 00 01 form; this describes how the coverage type is typically structured in the market, not a specific Alliance Risk-issued policy, since Alliance Risk is a broker and does not issue policies.

Alliance Risk's page states that a standard general liability policy specifically excludes recall costs from product liability coverage, and that Alliance Risk sells product recall insurance as a separate line to cover that gap. ³Company-reported. Product page "Product liability and product recall are different purchases" section.

HUB says its General & Product Liability offering addresses injuries or property damage to the public arising from a client's premises or operations, its products, contractual liabilities, natural catastrophes, or violent events. ⁷Company-reported. Casualty product page scope-of-protection description; the issued policy's insuring agreements and exclusions control an actual claim.

HUB pairs its product liability brokerage with related casualty coverages it also arranges, including product recall coverage, crisis-response support, sexual misconduct liability (SML), active-assailant protection and Violent Acts Liability insurance. ⁷Company-reported. Casualty product page complementary-coverages list; availability of each coverage depends on the client and placement.

Not described in the reviewed sources.

Published product liability policy limits or retentions were not found on the reviewed page. ⁷Not publicly disclosed. Checked the casualty product page on 2026-09-23; limits are set through the risk-financing assessment and the quote.

Not described in the reviewed sources.

HUB says its casualty team runs risk-financing assessments to set retention levels, program structures and coverage limits. ⁷Company-reported. Casualty product page strategic-approach description.

Alliance Risk's product liability page offers a customized risk assessment from its insurance risk advisors, booked through the page's consultation link. ³Company-reported. Dedicated product liability page calls to action.

Not described in the reviewed sources.