--- title: "Armilla vs HUB International" description: "Why Armilla’s AI-model liability and performance warranties are not a substitute for HUB International’s commercial brokerage, including workers’ compensation and D&O." canonical: "https://spot.insure/compare/armilla-vs-hub-international" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Armilla", "HUB International"] --- [Human-readable page](https://spot.insure/compare/armilla-vs-hub-international) # Armilla vs HUB International Why Armilla’s AI-model liability and performance warranties are not a substitute for HUB International’s commercial brokerage, including workers’ compensation and D&O. ## Research Scope and Use Use this comparison to evaluate Armilla and HUB International against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights Armilla offers dedicated liability coverage for AI model and agent failures, plus performance warranties and model assessments, with surplus-lines and backing disclosures that distinguish insurance from warranties. HUB International is a multi-line broker; its technology catalogue does not replace Armilla’s warranty product or vice versa. [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief") [5](https://www.armilla.ai/assessments "Armilla Assessments: AI Verification & Red-Teaming") [18](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [17](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") [16](https://www.hubinternational.com/contact-us/ "Contact Us") ## Introduction Armilla and HUB International both use the word insurance around technology companies, but Armilla’s public products are artificial-intelligence (AI) model and agent liability and separate performance warranties, plus assessments. HUB brokers conventional commercial lines. Armilla’s published materials do not market workers’ compensation, a business owners policy or a full directors and officers (D&O) program. HUB’s technology E&O list does not mean HUB issues Armilla’s warranty. The buyer question is whether you need a specialty AI placement in addition to a HUB (or other) broker program. [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief") [18](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [25](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") ## Documented Provider Strengths ### Armilla - Dedicated liability coverage for AI model and agent failures [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") (Evidence: Company-reported; scope: Direct product brief; no policy wording reviewed. Sample areas are not separately marketed general liability, cyber, media or property policies.; verified: 2026-09-16.) - Model assessments with remediation support and optional retesting [5](https://www.armilla.ai/assessments "Armilla Assessments: AI Verification & Red-Teaming") (Evidence: Company-reported; scope: Direct assessment service and FAQ; no independent validation of assessment effectiveness or regulatory compliance.; verified: 2026-09-16.) ### HUB International - HUB’s technology practice markets insurance and benefits programs to startups and software, hardware and digital-media companies, and says it currently insures more than 5,000 technology companies. [18](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Industry marketing page only. Does not establish California eligibility, insurer panels or policy wording for any named coverage.; verified: 2026-09-16.) - HUB routes qualifying small commercial accounts to Insureon’s online quote and other business insurance to a HUB advisor or local office; there is no published self-serve bind path for mid-market programs on hubinternational.com. [16](https://www.hubinternational.com/contact-us/ "Contact Us") [19](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [20](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [21](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [18](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [14](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | Armilla | HUB International | | --- | --- | --- | | Builders risk | Not listed | Listed [18](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Business owner’s policy | Not listed | Listed [26](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") | | Cargo and transit | Not listed | Listed [36](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [18](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Commercial auto | Not listed | Listed [28](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | | Commercial property | Not listed | Listed [27](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") | | Crime | Not listed | Listed [29](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [24](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Cyber liability | Not listed | Listed [21](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [18](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Directors and officers | Not listed | Listed [20](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [18](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Employee health and benefits | Not listed | Listed [38](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [9](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") | | Employment practices liability | Not listed | Listed [24](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [18](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Equipment breakdown | Not listed | Listed [37](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") | | Fidelity bonds | Not listed | Listed [24](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Fiduciary liability | Not listed | Listed [30](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [24](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | General liability | Not listed | Listed [19](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") | | Generative AI liability | Listed [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") | Not listed | | Hired and non-owned auto | Not listed | Listed [28](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | | Key person | Not listed | Listed [18](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Kidnap and ransom | Not listed | Listed [31](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [24](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Management liability | Not listed | Listed [18](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [24](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Medical malpractice | Not listed | Listed [33](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") | | Product liability | Not listed | Listed [35](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | | Product recall | Not listed | Listed [35](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | | Professional liability / E&O | Not listed | Listed [22](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [23](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") | | Representations and warranties | Not listed | Listed [34](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") | | Surety bonds | Not listed | Listed [32](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") | | Technology errors and omissions | Not listed | Listed [18](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Tools, equipment and inland marine | Not listed | Listed [36](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") | | Trucking | Not listed | Listed [28](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | | Umbrella and excess liability | Not listed | Listed [35](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | | Virtual care and telehealth | Not listed | Listed [39](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") | | Workers’ compensation | Not listed | Listed [25](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between Armilla and HUB International ### Specialty Program Versus Retail Broker Armilla markets AI liability insurance, performance warranties and model assessments, and describes its insurance operation as a managing general agent (MGA) and Lloyd’s coverholder—not the risk-bearing insurer. [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [1](https://www.armilla.ai/ "Armilla: AI Insurance") HUB is a retail broker whose subsidiaries place conventional commercial policies issued by insurers. [12](https://www.hubinternational.com/about-us/ "About Us") [13](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") Armilla’s producer identity and surplus-lines route matter for US-California access. HUB’s California retail producer remains unnamed; using HUB does not automatically bind Armilla. [7](https://www.armilla.ai/terms-of-service "Armilla Terms of Service") [6](https://www.armilla.ai/brokers "Armilla for Brokers: Specialized AI Coverage") [13](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") ### Insurance Versus Warranty Armilla’s standalone AI liability brief lists model errors, hallucinations, agent mistakes and related sample coverage areas; those are advertised scopes, not a confirmed loss payment. [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") Armilla Guaranteed is a contractual performance warranty, not an insurance policy. [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief") Those products have different backing (insurance versus warranty). Do not describe a warranty as an insurance policy. HUB’s published catalogue does not list Armilla warranties. [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [17](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") ### Assessments Armilla documents model assessments with remediation and optional retesting. HUB documents a risk-management information system (RMIS) and claims analytics for conventional programs. They are not the same service. [5](https://www.armilla.ai/assessments "Armilla Assessments: AI Verification & Red-Teaming") [41](https://www.hubinternational.com/products/risk-services/risk-management-information-system/ "Risk Management Information System (RMIS)") ### How to Buy Armilla’s application process and broker channel sit beside HUB Contact Us. A buyer can ask a HUB advisor whether it will approach Armilla; HUB’s published materials do not name Armilla, which is “not named,” not a prohibition. [1](https://www.armilla.ai/ "Armilla: AI Insurance") [16](https://www.hubinternational.com/contact-us/ "Contact Us") ## What to Confirm in Quotes - **Which document is insurance versus warranty**, and who backs each. [8](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forp-f24000002598-db227865-9aa6-457f-8845-7987956f3b38&directionType=Initial&inquirytype=EntityName&listNameOrder=ARMILCFS+F180000056270&searchNameOrder=ARMILLAINSURANCESERVICES+F240000025980&searchTerm=ARMIL%2FCFS%2C+INC. "Detail by Entity Name: ARMILLA INSURANCE SERVICES INC.") - **Surplus-lines producer** for California if Armilla paper is non-admitted. [7](https://www.armilla.ai/terms-of-service "Armilla Terms of Service") - **The rest of the program** (workers’ compensation, general liability, directors and officers) still placed by HUB or another broker. [17](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") ## Service Comparison Armilla vs HUB International: documented services and availability. | Criteria | Armilla | HUB International | | --- | --- | --- | | Business role | Armilla markets AI liability insurance, performance warranties and model assessments. It describes its insurance operation as a managing general agent (MGA), an intermediary with underwriting responsibilities, and names Armilla Insurance Services as a Lloyd’s coverholder. These descriptions do not make Armilla the risk-bearing insurer. [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [1](https://www.armilla.ai/ "Armilla: AI Insurance") [6](https://www.armilla.ai/brokers "Armilla for Brokers: Specialized AI Coverage") (Evidence: Company-reported; scope: Company descriptions of the Armilla brand and insurance operation; delegated authority and producer licensing have not been independently verified.; verified: 2026-09-16.)

Florida’s corporate registry lists Armilla Insurance Services Inc., a Delaware corporation. This establishes a corporate identity, not an insurance license or authority to place a California risk. [8](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forp-f24000002598-db227865-9aa6-457f-8845-7987956f3b38&directionType=Initial&inquirytype=EntityName&listNameOrder=ARMILCFS+F180000056270&searchNameOrder=ARMILLAINSURANCESERVICES+F240000025980&searchTerm=ARMIL%2FCFS%2C+INC. "Detail by Entity Name: ARMILLA INSURANCE SERVICES INC.") (Evidence: Verified; scope: Exact entity spelling in corporate filing F24000002598, inspected on September 16, 2026. No California producer lookup was completed.; verified: 2026-09-16.) | HUB International Limited describes itself as a full-service insurance broker and financial-services firm. Its website terms say HUB’s subsidiaries are licensed as insurance brokers or agents in various U.S. states and Canadian provinces. The reviewed product pages market brokerage of policies issued by insurers, not HUB as a risk-bearing carrier for those policies. [12](https://www.hubinternational.com/about-us/ "About Us") [13](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [17](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") (Evidence: Company-reported; scope: Brand and parent identity as of 16 September 2026. Does not identify which subsidiary would appear on a California producer license or policy declarations.; verified: 2026-09-16.)

HUB’s About Us timeline states that in 2022 it acquired Insureon for digital delivery of small-business commercial insurance. Insureon and TechInsurance say they are part of HUB; Insureon says it operates as a division of Specialty Program Group LLC, doing business as SPG Insurance Solutions. TechInsurance describes itself as part of Insureon rather than as a separate HUB retail office. [12](https://www.hubinternational.com/about-us/ "About Us") [42](https://www.insureon.com/about-us "About Insureon") [43](https://www.insureon.com/legal/licenses "Insurance Licenses by State") [44](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon "Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon") [45](https://www.techinsurance.com/about-us "About Us | TechInsurance") (Evidence: Company-reported; scope: Corporate-affiliation statements. Does not establish that every HUB office places business through Insureon, or that TechInsurance is a distinct California producer.; verified: 2026-09-16.) | | Coverage lines | Armilla’s standalone AI liability brief lists model errors and hallucinations, harmful outputs, agent mistakes, non-breach data leakage, third-party property damage and AI-related regulatory proceedings as sample coverage areas. These are advertised scopes, not confirmation that a particular loss or fine is insured. [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") (Evidence: Company-reported; scope: Direct product brief; no policy wording reviewed. Sample areas are not separately marketed general liability, cyber, media or property policies.; verified: 2026-09-16.)

Armilla Guaranteed is a contractual performance warranty, not an insurance policy. Armilla says it funds remedies for missed agreed metrics; its FAQ describes a buyer refund when the issue cannot be resolved and identifies misuse, unauthorized changes and external events as typical exclusions. [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief") (Evidence: Company-reported; scope: Warranty description, distinct from affirmative AI liability insurance; no executed warranty or issuer agreement inspected.; verified: 2026-09-16.) | HUB publishes dedicated business-insurance product pages for, among other lines, general liability, commercial property, workers’ compensation, business owners policies, commercial auto (including hired and non-owned exposures and trucking), cyber, directors and officers, professional liability/E&O, crime, fiduciary liability, kidnap and ransom, surety bonds, medical malpractice, marine/inland marine and cargo, boiler and machinery/equipment breakdown, and mergers-and-acquisitions representations-and-warranties insurance. Its casualty page also lists product liability, umbrella and excess, and product-recall as program elements. Employee-benefits brokerage is marketed separately. Actual policy forms, limits and eligibility are not set by those marketing pages. [17](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") [19](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [27](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [25](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [26](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") [28](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [21](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [20](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [22](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [23](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [29](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [30](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [31](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [32](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [33](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") [36](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [37](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") [34](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [35](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [38](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [24](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: Official product and casualty pages accessed 16 September 2026. Catalogue entries are brokerage offerings, not proof that a California startup can obtain each line on stated terms.; verified: 2026-09-16.)

For technology companies, HUB lists professional liability/technology E&O, cyber, a patent package described as property, auto, liability and umbrella, international placements, cargo/stock throughput, property/builders risk, pollution liability, management liability including D&O, employment-practices liability, fiduciary liability, transactional/warranty insurance, crime, workers’ compensation, employee benefits, key-person life and disability, retirement solutions, and kidnap and ransom. [18](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Technology industry page inventory. Patent package is a HUB grouping label, not a finding that intellectual-property insurance is separately underwritten. Builders risk is listed there as a technology offering.; verified: 2026-09-16.) | | Application process | Armilla’s insurance FAQ says to begin with an AI risk assessment, followed by a tailored insurance or warranty plan. The site directs buyers to contact its team; coverage requires written confirmation and completion of underwriting requirements. [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [1](https://www.armilla.ai/ "Armilla: AI Insurance") (Evidence: Company-reported; scope: Published process, not a submitted application, quote, binding test or promised turnaround.; verified: 2026-09-16.) | On hubinternational.com, commercial buyers are asked to contact a broker, connect with a specialist, or use Contact Us. Small-commercial inquiries meeting HUB’s stated size tests go to Insureon for an online quote. Product pages such as general liability, D&O, cyber and workers’ compensation use “Contact Us” or “Connect With a Broker” rather than an on-site bind flow. Privacy policy language refers to automation for insurance quoting, without documenting a public HUB retail e-commerce checkout for mid-market programs. [16](https://www.hubinternational.com/contact-us/ "Contact Us") [19](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [20](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [21](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [18](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [14](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.) | | Access to insurers | Armilla names certain underwriters at Lloyd’s for its affirmative AI liability insurance. Its product brief also names Chaucer, Axis Capital and Convex as backing partners, without identifying the contracting insurer or syndicate for an individual quote. [1](https://www.armilla.ai/ "Armilla: AI Insurance") [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") (Evidence: Company-reported; scope: AI liability only. Partner names do not establish that each participates in every placement; no ratings independently verified.; verified: 2026-09-16.)

The warranty brief names Chaucer Group, Greenlight Re and Swiss Re as backing partners. It does not identify the legal warranty issuer, the buyer’s direct rights against a backing insurer, or a California-specific warranty contract. [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief") (Evidence: Company-reported; scope: Warranty partner disclosure only; no inference that backing partners directly insure the enterprise buyer.; verified: 2026-09-16.) | HUB’s compensation page says it has access to the products and services of hundreds of insurers and that it focuses on a smaller set of “Strategic Carriers,” which may pay enhanced compensation. Property, casualty and marine pages refer to domestic, national, regional, specialty and global carrier relationships without publishing a complete appointment list. ProEx says it places more than $2 billion of premium with top-rated insurance carriers; that volume and rating language is company-reported and does not name the carriers. Issuing insurers therefore have to be taken from a quote, not from the public catalogue. [15](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") [27](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [35](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [36](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [24](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: No verified HUB-wide carrier panel. Strategic-carrier focus is a compensation and placement practice, not a finding that only those markets are used.; verified: 2026-09-16.)

Insureon says it has access to 100+ insurance providers and names The Hartford, Chubb, Hiscox, Liberty Mutual and Travelers as examples. Those names are Insureon’s examples for its digital agency, not a statement that every HUB retail placement uses the same insurers, and they do not identify the issuing company on a particular policy. [42](https://www.insureon.com/about-us "About Insureon") (Evidence: Company-reported; scope: Insureon About Us examples only. Availability varies by product, state and underwriting.; verified: 2026-09-16.) | | Servicing and renewals | Armilla Verified evaluates model performance, fairness, security and robustness. Armilla describes scoping, testing, remediation support and an internal report, with a badge conditional on meeting benchmarks. Optional monitoring and retesting are offered as models change. [5](https://www.armilla.ai/assessments "Armilla Assessments: AI Verification & Red-Teaming") (Evidence: Company-reported; scope: Direct assessment service and FAQ; no independent validation of assessment effectiveness or regulatory compliance.; verified: 2026-09-16.)

The reviewed assessment and insurance pages do not disclose insurance renewal procedures or whether ongoing model monitoring is included in the premium. Optional assessment support should be priced and scoped separately in the proposal. [5](https://www.armilla.ai/assessments "Armilla Assessments: AI Verification & Red-Teaming") [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") (Evidence: Not publicly disclosed; scope: Limited to public product and assessment pages reviewed September 16, 2026.; verified: 2026-09-16.) | HUB describes ongoing servicing through local account teams (ProEx notes local policy review and certificates of insurance), a Risk Management Information System for claims administration, certificate tracking and carrier/TPA data, and employee-benefits work that includes multi-year cost planning and renewal support. RMIS is described as available in various tiers. None of those pages publish a standard service-level agreement or fee for those tools. [24](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [41](https://www.hubinternational.com/products/risk-services/risk-management-information-system/ "Risk Management Information System (RMIS)") [38](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") (Evidence: Company-reported; scope: Company-described servicing capabilities. Client eligibility for RMIS or ProEx specialist teams is not defined on the public pages.; verified: 2026-09-16.) | ## Related Reading - [What Is Armilla?](https://spot.insure/insurance-providers/armilla) - [What Is HUB International?](https://spot.insure/insurance-providers/hub-international) ## Related Comparisons - [Alliance Risk vs Armilla](https://spot.insure/compare/alliance-risk-vs-armilla) - [Alliance Risk vs HUB International](https://spot.insure/compare/alliance-risk-vs-hub-international) - [Amelia Risk vs Armilla](https://spot.insure/compare/amelia-risk-vs-armilla) - [Amelia Risk vs HUB International](https://spot.insure/compare/amelia-risk-vs-hub-international) - [Armilla vs At-Bay](https://spot.insure/compare/armilla-vs-at-bay) - [Armilla vs Beazley](https://spot.insure/compare/armilla-vs-beazley) - [Armilla vs CFC](https://spot.insure/compare/armilla-vs-cfc) - [Armilla vs Chubb](https://spot.insure/compare/armilla-vs-chubb) - [Armilla vs Coalition](https://spot.insure/compare/armilla-vs-coalition) - [Armilla vs Corgi](https://spot.insure/compare/armilla-vs-corgi) - [Armilla vs Coterie Insurance](https://spot.insure/compare/armilla-vs-coterie) - [Armilla vs Coverdash](https://spot.insure/compare/armilla-vs-coverdash) - [Armilla vs Cowbell](https://spot.insure/compare/armilla-vs-cowbell) - [Armilla vs Embroker](https://spot.insure/compare/armilla-vs-embroker) - [Armilla vs Founder Shield](https://spot.insure/compare/armilla-vs-foundershield) - [Armilla vs Gallagher](https://spot.insure/compare/armilla-vs-gallagher) - [Armilla vs Harper](https://spot.insure/compare/armilla-vs-harper) - [Armilla vs Heffernan Insurance Brokers](https://spot.insure/compare/armilla-vs-heffernan) - [Armilla vs Hiscox](https://spot.insure/compare/armilla-vs-hiscox) - [Armilla vs Kinro](https://spot.insure/compare/armilla-vs-kinro) - [Armilla vs Layr](https://spot.insure/compare/armilla-vs-layr) - [Armilla vs Lockton](https://spot.insure/compare/armilla-vs-lockton) - [Armilla vs Marsh](https://spot.insure/compare/armilla-vs-marsh) - [Armilla vs Mylo](https://spot.insure/compare/armilla-vs-mylo) - [Armilla vs Newfront](https://spot.insure/compare/armilla-vs-newfront) - [Armilla vs ERGO NEXT Insurance](https://spot.insure/compare/armilla-vs-next-insurance) - [Armilla vs Pie Insurance](https://spot.insure/compare/armilla-vs-pie-insurance) - [Armilla vs Relm Insurance](https://spot.insure/compare/armilla-vs-relm) - [Armilla vs Resilience](https://spot.insure/compare/armilla-vs-resilience) - [Armilla vs RiskCube](https://spot.insure/compare/armilla-vs-riskcube) - [Armilla vs Risklytics Insurance](https://spot.insure/compare/armilla-vs-risklytics) - [Armilla vs StartupInsurance.ai](https://spot.insure/compare/armilla-vs-startupinsurance) - [Armilla vs TechInsurance](https://spot.insure/compare/armilla-vs-techinsurance) - [Armilla vs The Hartford](https://spot.insure/compare/armilla-vs-the-hartford) - [Armilla vs Travelers Insurance](https://spot.insure/compare/armilla-vs-travelers) - [Armilla vs USI](https://spot.insure/compare/armilla-vs-usi) - [Armilla vs Vouch](https://spot.insure/compare/armilla-vs-vouch) - [Armilla vs WithCoverage](https://spot.insure/compare/armilla-vs-withcoverage) - [At-Bay vs HUB International Insurance](https://spot.insure/compare/at-bay-vs-hub-international) - [Beazley vs HUB International](https://spot.insure/compare/beazley-vs-hub-international) - [CFC vs HUB International](https://spot.insure/compare/cfc-vs-hub-international) - [Chubb vs HUB International](https://spot.insure/compare/chubb-vs-hub-international) - [Coalition vs HUB International](https://spot.insure/compare/coalition-vs-hub-international) - [Corgi vs HUB International](https://spot.insure/compare/corgi-vs-hub-international) - [Coterie vs HUB International](https://spot.insure/compare/coterie-vs-hub-international) - [Coverdash vs HUB International](https://spot.insure/compare/coverdash-vs-hub-international) - [Cowbell vs HUB International](https://spot.insure/compare/cowbell-vs-hub-international) - [Embroker vs HUB International](https://spot.insure/compare/embroker-vs-hub-international) - [Founder Shield vs HUB International](https://spot.insure/compare/foundershield-vs-hub-international) - [Gallagher vs HUB International](https://spot.insure/compare/gallagher-vs-hub-international) - [Harper vs HUB International](https://spot.insure/compare/harper-vs-hub-international) - [Heffernan vs HUB International](https://spot.insure/compare/heffernan-vs-hub-international) - [Hiscox vs HUB International](https://spot.insure/compare/hiscox-vs-hub-international) - [HUB International vs Kinro](https://spot.insure/compare/hub-international-vs-kinro) - [HUB International vs Layr](https://spot.insure/compare/hub-international-vs-layr) - [HUB International vs Lockton](https://spot.insure/compare/hub-international-vs-lockton) - [HUB International vs Marsh](https://spot.insure/compare/hub-international-vs-marsh) - [HUB International vs Mylo](https://spot.insure/compare/hub-international-vs-mylo) - [HUB International vs Newfront](https://spot.insure/compare/hub-international-vs-newfront) - [HUB International vs NEXT Insurance](https://spot.insure/compare/hub-international-vs-next-insurance) - [HUB International vs Pie Insurance](https://spot.insure/compare/hub-international-vs-pie-insurance) - [HUB International vs Relm Insurance](https://spot.insure/compare/hub-international-vs-relm) - [HUB International vs Resilience](https://spot.insure/compare/hub-international-vs-resilience) - [HUB International vs RiskCube](https://spot.insure/compare/hub-international-vs-riskcube) - [HUB International vs Risklytics](https://spot.insure/compare/hub-international-vs-risklytics) - [HUB International vs StartupInsurance.ai](https://spot.insure/compare/hub-international-vs-startupinsurance) - [HUB International vs TechInsurance](https://spot.insure/compare/hub-international-vs-techinsurance) - [HUB International vs The Hartford](https://spot.insure/compare/hub-international-vs-the-hartford) - [HUB International vs Travelers](https://spot.insure/compare/hub-international-vs-travelers) - [HUB International vs USI](https://spot.insure/compare/hub-international-vs-usi) - [HUB International vs Vouch](https://spot.insure/compare/hub-international-vs-vouch) - [HUB International vs WithCoverage](https://spot.insure/compare/hub-international-vs-withcoverage) ## Sources ### [Armilla Official Website](https://www.armilla.ai/) 1. [Armilla: AI Insurance](https://www.armilla.ai/). Armilla; Affirmative Insurance Built for AI Risk; Risk Teams; footer surplus-lines and Lloyd’s disclosures. Accessed 2026-09-16. 2. [AI Insurance – Lloyd’s Coverholder | Armilla AI](https://www.armilla.ai/ai-insurance). Armilla; Armilla Insured; Armilla Guaranteed; FAQ: getting started, warranty classification, claims framework and exclusions. Accessed 2026-09-16. 3. [Armilla AI Insurance Brief](https://www.armilla.ai/ai-insurance-brief). Armilla; MGA introduction; Tailored Protection for AI Pioneers / Sample Coverage Areas; Industry Protection. Accessed 2026-09-16. 4. [AI Performance Warranty Brief](https://www.armilla.ai/ai-performance-warranty-brief). Armilla; Opening partner disclosure; AI Performance, Guaranteed; Real-World Protection Examples. Accessed 2026-09-16. 5. [Armilla Assessments: AI Verification & Red-Teaming](https://www.armilla.ai/assessments). Armilla; Active AI Risk Assessment; FAQ: testing process, ongoing support and starting an assessment. Accessed 2026-09-16. 6. [Armilla for Brokers: Specialized AI Coverage](https://www.armilla.ai/brokers). Armilla; Coverage Options; Competitive Commissions; Flexible, Tech-Enabled Underwriting; broker appointment FAQ. Accessed 2026-09-16. 7. [Armilla Terms of Service](https://www.armilla.ai/terms-of-service). Armilla; Last updated April 5th, 2023; sections 1 Agreement to Terms and 4 Fees and Payment. Accessed 2026-09-16. 8. [Detail by Entity Name: ARMILLA INSURANCE SERVICES INC.](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forp-f24000002598-db227865-9aa6-457f-8845-7987956f3b38&directionType=Initial&inquirytype=EntityName&listNameOrder=ARMILCFS+F180000056270&searchNameOrder=ARMILLAINSURANCESERVICES+F240000025980&searchTerm=ARMIL%2FCFS%2C+INC.). Florida Department of State, Division of Corporations; Entity name; Filing Information; document F24000002598 (corporate registration, not insurance licensing). Accessed 2026-09-16. ### [HUB International Official Website](https://www.hubinternational.com) 9. [Insurance Broker San Francisco](https://www.hubinternational.com/offices/us/california/san-francisco/). HUB International; JSON-LD InsuranceAgency record naming HUB International Limited as parent; About Us office copy for 201 Mission Street; products and industries blocks. Accessed 2026-09-16. 10. [HUB International San Francisco 44 Montgomery Street](https://www.hubinternational.com/offices/us/california/san-francisco-44-montgomery-street/). HUB International; Office profile describing Merriwether & Williams Insurance Services history, bonding and contractor-development programs. Accessed 2026-09-16. 11. [California Insurance Brokers](https://www.hubinternational.com/offices/us/california/). HUB International; Introductory copy and listed California office directory including San Francisco locations. Accessed 2026-09-16. 12. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16. 13. [Terms and Conditions](https://www.hubinternational.com/terms-and-conditions/). HUB International; Licensing section stating subsidiaries are licensed as brokers or agents in various U.S. states and Canadian provinces. Accessed 2026-09-16. 14. [HUB International Privacy Policy](https://www.hubinternational.com/about-us/privacy-policy/). HUB International; Effective 21 August 2025; applies to HUB International Limited and subsidiaries; insurance brokerage services; automation for quoting. Accessed 2026-09-16. 15. [How We Get Paid](https://www.hubinternational.com/about-us/how-we-get-paid/). HUB International; Commission, contingency, supplemental commission, client-paid fees, wholesale, carrier-services, strategic-carrier and other-compensation sections. Accessed 2026-09-16. 16. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16. 17. [Business Insurance Broker Coverage Policy](https://www.hubinternational.com/products/business-insurance/). HUB International; Essential coverage and beyond-the-basics product catalogue. Accessed 2026-09-16. 18. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Startup and software/hardware/digital-media audience; listed business and people coverages; claimed technology-client count. Accessed 2026-09-16. 19. [General Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/general-liability/). HUB International; Product page describing typical general-liability subjects and invitation to contact a broker. Accessed 2026-09-16. 20. [Directors and Officers (D&O) Liability Insurance Broker](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/). HUB International; Product page for private, nonprofit and public-company D&O brokerage. Accessed 2026-09-16. 21. [Cyber Insurance](https://www.hubinternational.com/products/business-insurance/cyber-insurance/). HUB International; Product page describing first-party and post-breach cyber expenses as typically arranged. Accessed 2026-09-16. 22. [Professional Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/). HUB International; Product page equating professional liability with errors and omissions and describing typical claim types. Accessed 2026-09-16. 23. [Errors and Omissions (E&O) Insurance Coverage](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/). HUB International; Industries listed for E&O including technology, and statement that policies are customized. Accessed 2026-09-16. 24. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; Professional & Executive Risk practice: EPL, fiduciary, crime/fidelity, K&R; certificates of insurance; claims and legal support; carrier-premium claim. Accessed 2026-09-16. 25. [Workers' Compensation Insurance Brokers](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/). HUB International; Product page on workers’ compensation brokerage, state-fund variation and typical benefits. Accessed 2026-09-16. 26. [Business Owners Policy (BOP) Company Coverage](https://www.hubinternational.com/products/business-insurance/business-owners-policy/). HUB International; BOP described as combined property and liability for small and mid-size businesses. Accessed 2026-09-16. 27. [Commercial (Business) Property Insurance Brokers](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/). HUB International; Property Practice description, domestic and global carrier access, traditional and alternative structures. Accessed 2026-09-16. 28. [Commercial Auto Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/commercial-auto/). HUB International; Commercial auto and trucking insurance; hired and non-owned exposures. Accessed 2026-09-16. 29. [Crime Insurance Brokers](https://www.hubinternational.com/products/business-insurance/crime-insurance/). HUB International; Crime/fraud coverage product page for private, public and not-for-profit organizations. Accessed 2026-09-16. 30. [Fiduciary Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/). HUB International; Fiduciary liability product page distinguishing it from D&O. Accessed 2026-09-16. 31. [Kidnap and Ransom Insurance Brokers](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/). HUB International; Kidnap and ransom product page for traveling executives and employees. Accessed 2026-09-16. 32. [Surety Bonds and Surety Bond Insurance for Businesses](https://www.hubinternational.com/products/business-insurance/surety-bonds/). HUB International; Contract surety types including bid, performance and payment bonds. Accessed 2026-09-16. 33. [Medical Malpractice Insurance Brokers](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/). HUB International; Medical malpractice brokerage, including telemedicine-related risks. Accessed 2026-09-16. 34. [Mergers & Acquisitions (M&A) Insurance Broker](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/). HUB International; Representations and warranties, litigation buyout and tax indemnification insurance. Accessed 2026-09-16. 35. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). HUB International; General and product liability, umbrella and excess, workers’ compensation, product recall ancillary, global carrier relationships. Accessed 2026-09-16. 36. [Marine Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/marine-insurance/). HUB International; Ocean and inland marine, cargo and related marine liability coverages; domestic and international carriers. Accessed 2026-09-16. 37. [Boiler and Machinery Equipment Insurance Coverage](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/). HUB International; Equipment breakdown / boiler and machinery product page. Accessed 2026-09-16. 38. [Employee Benefits Brokers and Consulting Services](https://www.hubinternational.com/products/employee-benefits/). HUB International; Employee-benefits brokerage and multi-year planning services. Accessed 2026-09-16. 39. [Virtual Care Insurance Brokerage Coverage](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/). HUB International; Virtual care medical professional liability, technology E&O, products liability, cyber and management liability list. Accessed 2026-09-16. 40. [Insurance Claims Management](https://www.hubinternational.com/products/risk-services/claims-management/). HUB International; Claims advocacy, TPA coordination, coverage-dispute support and published process metrics. Accessed 2026-09-16. 41. [Risk Management Information System (RMIS)](https://www.hubinternational.com/products/risk-services/risk-management-information-system/). HUB International; RMIS claims administration, certificate tracking and carrier/TPA data aggregation. Accessed 2026-09-16. 42. [About Insureon](https://www.insureon.com/about-us). Insureon; Insureon as part of HUB; licensed in every state; named example insurers; 2022 acquisition history; TechInsurance origin. Accessed 2026-09-16. 43. [Insurance Licenses by State](https://www.insureon.com/legal/licenses). Insureon; California 0L09546; footer that Insureon operates as a division of Specialty Program Group LLC dba SPG Insurance Solutions. Accessed 2026-09-16. 44. [Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon). Insureon; 1 March 2022 announcement that HUB would acquire the Insureon digital agency and brand; operations to sit in Specialty Program Group LLC. Accessed 2026-09-16. 45. [About Us | TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; TechInsurance as part of Insureon; 2022 HUB acquisition of Insureon’s digital agency. Accessed 2026-09-16. 46. [California Department of Insurance License Status Inquiry](https://cdicloud.insurance.ca.gov/cal). California Department of Insurance; Public license-search portal landing page; interactive search was not completed to a verifiable license record in this research. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/armilla-vs-hub-international.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)