Amelia Risk vs 
HUB International: How Do They Compare for Umbrella and Excess Liability Insurance?
HUB International brokers umbrella and excess through its casualty practice for industries including transportation, construction and healthcare. Amelia Risk arranges umbrella within its general liability practice and lists it among policies for startups.
HUB is the better fit for established companies in transportation, construction, healthcare, hospitality, manufacturing or real estate, with a casualty team that adds claims and litigation support. Amelia Risk sells umbrella to startups as a limit increase on top of their general liability. 5,3,1
What Are the Key Differences Between Amelia Risk and HUB International Umbrella and Excess Liability Insurance?
Industry Casualty Team Versus Startup Add-On
HUB places umbrella and excess through a casualty practice that names transportation, construction, healthcare, hospitality, manufacturing and distribution, and real estate, and backs it with risk services, claims, litigation and analytics support. A trucking firm or general contractor facing a large verdict gets a team that works on those claims. Amelia Risk lists umbrella for startups on the same card as general liability and describes its service as a four-step market approach. Choose HUB if you operate in one of its named industries; choose Amelia Risk if you are a startup that needs a first umbrella over general liability. 5 3 2 4
What the Layer Is Meant to Do
HUB frames the layer as protection against catastrophic settlements and judgments that exceed your general liability, auto or employers’ liability limits. Amelia Risk describes it as raising the limits of your scheduled liability policies and says the placement is sometimes technically excess, which only adds limit and won’t fill gaps in the policy below. 5 1
What Should You Confirm in Amelia Risk and HUB International Umbrella and Excess Liability Insurance Quotes?
- Get limits and attachment points from both; neither publishes them. 1 5
- Ask Amelia Risk whether your placement is umbrella or excess, and which policies it follows. 1
- Ask HUB whether auto and employers’ liability are both scheduled underneath. 5
- Ask both which insurer issues the policy; Amelia Risk says it works with dozens of insurers without naming them. 5 4
Amelia Risk vs HUB International Umbrella and Excess Liability Compared
Amelia Risk vs HUB International: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | Umbrella / Excess Liability | HUB International Umbrella and Excess Liability Insurance Brokerage |
|---|---|---|
| Who It’s For | Amelia Risk lists Umbrella Liability among the policies it says startup clients should consider, alongside other liability lines in its startup catalogue. 3Company-reported. Startups specialty page as read on 2026-09-23. Describes a marketed audience, not an underwriting eligibility rule or a stated minimum for underlying limits. | HUB says its casualty expertise, which includes umbrella and excess liability, spans transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate industries. 5Company-reported. Product-page industry list for the broader casualty practice; not umbrella-specific eligibility criteria. |
| Coverage Features | Amelia Risk describes an umbrella policy as one that increases the limits of a client's underlying scheduled liability policies, and notes that in some cases the product placed is technically an excess policy rather than an umbrella policy. 1Company-reported. General Liability page's umbrella subsection. A plain-language description of how the firm frames the product, not a specimen form or list of which underlying policies must be scheduled. | HUB describes umbrella and excess liability coverage as protection against potentially catastrophic liability claim settlements and judgments that exceed the limits of a client's underlying general liability, auto or employers'-liability policies. 5Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim. |
| Role in This Line | Amelia Risk arranges umbrella and excess liability as part of its general liability practice; its policies hub groups the two under one 'General Liability & Umbrella' catalogue card rather than listing umbrella as a standalone product. 2Company-reported. Policies hub as read on 2026-09-23. Describes how the firm catalogues the line, not a specific insurer or program. | HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. 5Company-reported. Casualty insurance product page as read 2026-09-23; the page does not name an issuing insurer. |
