Amelia Risk vs HUB International General Liability Insurance

Amelia Risk is a brokerage that places general liability coverage with insurance companies on a client's behalf; it does not underwrite the policy itself. ^4,2Company-reported. General Liability page describes what the coverage includes and when to buy it, written in the firm's advisory voice; the Specialties page describes the four-step placement process the firm applies across the lines it arranges. Neither page names the issuing insurer for a given placement.

HUB brokers commercial general liability coverage rather than underwriting it itself, placing the policy with an insurer on the client's behalf. ⁸Company-reported. General liability product page as read on 2026-09-23; the page does not name an issuing insurer.

Not described in the reviewed sources.

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

Amelia Risk says general liability is one of the most basic and fundamental parts of a company's insurance program and should be bought once a company is formed and operating, or once it starts selling products. ⁴Company-reported. General Liability page's timing guidance; not a stated industry or size restriction.

Not described in the reviewed sources.

Amelia Risk describes general liability as covering premises liability and personal and advertising injury, and says it most notably includes product liability: coverage for third-party bodily injury or property damage claims arising from the use of the client's products. ⁴Company-reported. General Liability page's coverage description; a general explanation of the policy type, not a specimen form or a particular insurer's wording.

Amelia Risk says an umbrella policy raises the limits sitting on top of scheduled underlying liability policies, and notes that in some cases the layered policy it arranges is an excess policy rather than an umbrella policy. ⁴Company-reported. General Liability page's umbrella paragraph; distinguishes umbrella from excess by name only, without published limit amounts.

HUB says general liability policies it arranges typically respond to bodily injury to customers, employees, vendors or visitors on the client's premises, personal injury from an employee's negligence or actions, property damage caused by employees, and advertising injury such as slander or false advertising claims. ⁸Company-reported. Product-page description of typical coverage scenarios; the issued policy and its exclusions control what a specific claim triggers.

Not described in the reviewed sources.

Published per-occurrence or aggregate limits, deductibles or retentions for HUB-placed general liability policies were not found on the product page. ⁸Not publicly disclosed. Checked the general liability product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page.

Amelia Risk says it reads the policies it offers clients and negotiates coverage terms and pricing before a client buys, as part of its general placement process. ²Company-reported. Specialties page's process description; applies to the firm's placement practice generally, not a general-liability-specific service.

The general liability product page does not describe line-specific risk-control or safety services; it only lists related products such as business interruption, D&O, EPL and workers' compensation insurance. ⁸Not found in reviewed sources. Checked the general liability product page on 2026-09-23.

Amelia Risk's stated process for arranging coverage, including general liability, starts with gathering information about the company, then approaching multiple insurers, reviewing the resulting quotes with the client, and letting the client decide how to proceed. ²Company-reported. Specialties page's four numbered steps; describes the firm's general placement workflow, not a general-liability-specific application form.

HUB says the amount of general liability coverage a business needs depends on factors such as the type of business and its location, and directs prospects to contact a HUB broker to get started. ⁸Company-reported. Product-page copy; no online quote or bind flow is described.

Amelia Risk says it will advocate for a client's needs during claims, as one of the things clients can expect when working with the firm. ²Company-reported. Specialties page's process list; a general claims-advocacy statement covering all lines the firm places, not general-liability-specific claims handling.

Not described in the reviewed sources.