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Berkshire Hathaway Specialty Insurance vs HUB International

HUB describes a technology practice for startups through global companies that can coordinate E&O, cyber, global placements, employee benefits and retirement support; its size guidelines route some small accounts to Insureon online. BHSI offers specialty underwriting through contracted agents who need state authority to bind. A technology company choosing a broker for cross-line and people-related advice should compare HUB’s advisory scope with a particular BHSI product proposal and verify which entity and channel will handle the account. 34,32,33,1,5

Introduction

HUB’s technology practice describes services for startups through global software, hardware and digital-media companies. Its public menu spans technology E&O, cyber, international packages, management liability, workers’ compensation, employee benefits and retirement solutions, and HUB says its technology specialists connect clients to a broader risk and people-services network. HUB’s routing guidance sends some smaller commercial accounts to Insureon’s online quote path, while other accounts contact a broker. BHSI publishes specialty products across sectors; its website terms say its own online intake does not bind and only contracted National Indemnity group agents with state authority may bind, issue or change coverage. A scaling tech employer deciding how to coordinate software liability, international placements and employee benefits can compare HUB’s broker-led service scope with specific policies proposed by BHSI. Neither the breadth of HUB’s menu nor BHSI’s product catalogue promises eligibility or that services are bundled with a policy.

HUB helps businesses arrange insurance through brokers and agents; reviewed product pages describe brokerage, not HUB as the insurer. Its subsidiaries hold licenses in various US states and Canadian provinces. 28,29,33Company-reported. Brand and parent identity as of 16 September 2026. Does not identify which subsidiary would appear on a California producer license or policy declarations.

Technology companies can ask HUB about E&O, cyber, D&O, transactional coverage, workers’ compensation and benefits; HUB says it currently insures 5,000+ technology companies, a company-reported figure. 34Company-reported. Industry marketing page only. Does not establish California eligibility, insurer panels or policy wording for any named coverage.

34 32 1 5

Coverage Comparison

CoverageBerkshire Hathaway Specialty InsuranceHUB International
Builders riskListed 22BHSI’s current U.S. Builder’s Risk page lists construction-project coverage, including hot testing/commissioning, delay and soft-cost features, and selectively considered Master Builder’s Risk programs. Project scope, eligibility, terms and issuer remain policy-specific.Listed 34HUB International arranges builders risk insurance.
Business owner’s policyNot listedListed 42HUB International arranges business owner’s policies for small and midsized businesses.
Cargo and transitListed 9,10BHSI's current Marine catalog lists Ocean Cargo, Stock Throughputs, and Project Cargo. The older US-12/22-A guide lists Project Cargo as out of appetite, so confirm its current status; BHSI lists Inland Marine separately.Listed 52,34HUB International arranges cargo insurance.
Commercial autoNot listedListed 44HUB International arranges commercial auto insurance.
Commercial propertyListed 11,12BHSI lists all-risk commercial property and selected single-peril options, including earthquake, flood, and windstorm.Listed 43HUB International arranges commercial property insurance.
CrimeListed 14BHSI lists Commercial Crime within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, employment-practices, fiduciary and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not a crime-specific limit. Crime coverage is distinct from fidelity bonds.Listed 45,40HUB International arranges commercial crime insurance.
Cyber liabilityListed 23,18BHSI markets a U.S. Network Security & Privacy product with third-party breach, response-expense and network-interruption features; its Professional First overview also describes stand-alone Cyber and blended E&O/Cyber forms. Product form, eligibility, terms and issuer depend on the risk and policy.Listed 37,34HUB International arranges cyber insurance.
Directors and officersListed 13,14Executive First D&O liability materials describe separate public-company and private-company products.Listed 36,34HUB International arranges directors and officers liability insurance.
Employee health and benefitsNot listedListed 54,25HUB International arranges employee health and benefits programs.
Employment practices liabilityListed 14BHSI lists employment-practices liability within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, fiduciary, crime and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not an EPL-specific limit.Listed 40,34HUB International arranges employment practices liability insurance.
Equipment breakdownNot listedListed 53HUB International arranges equipment breakdown insurance.
Fidelity bondsNot listedListed 40HUB International arranges crime and fidelity coverage through its professional and executive risk practice.
Fiduciary liabilityListed 14BHSI lists fiduciary liability within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, employment-practices, crime and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not a fiduciary-specific limit.Listed 46,40HUB International arranges fiduciary liability insurance.
General liabilityListed 15,16BHSI lists primary general liability, with contractor and pollution features described in its casualty materials.Listed 35HUB International arranges general liability insurance.
Hired and non-owned autoNot listedListed 44HUB International arranges hired and non-owned auto coverage through its commercial auto brokerage.
Key personNot listedListed 34HUB International arranges key person life and disability insurance.
Kidnap and ransomNot listedListed 47,40HUB International arranges kidnap and ransom insurance.
Management liabilityNot listedListed 34,40HUB International arranges management liability insurance through its professional and executive risk practice.
Media liabilityListed 18,19BHSI’s Professional First overview names Media Liability, and its architects/engineers product describes media liability only within a specialized combined design-industry form. The overview’s catalogue listing does not establish standalone terms or current account availability.Not listed
Medical malpracticeNot listedListed 49HUB International arranges medical professional liability insurance for health care professionals.
Product liabilityListed 15,16BHSI lists primary products and completed-operations liability as a casualty product.Listed 51HUB International arranges product liability insurance.
Product recallNot listedListed 51HUB International arranges product recall insurance.
Professional errors and omissions (E&O)Listed 17,18,19Professional First materials describe a professional-liability portfolio with several professions and service types.Listed 38,39HUB International arranges professional errors and omissions insurance.
Representations and warrantiesListed 20,21BHSI lists Representations & Warranties Insurance within its Transactional Liability products.Listed 50HUB International arranges representations and warranties insurance.
Surety bondsListed 24BHSI’s U.S. Surety page lists performance, payment, advance-payment, maintenance, supply and warranty bonds for contractor and construction-supplier accounts. Bond obligations depend on the bond form, principal, obligee and jurisdiction; this catalogue listing does not establish bond approval or terms.Listed 48HUB International arranges surety bonds.
Technology errors and omissions (E&O)Listed 18,19Professional First materials identify Technology E&O as a professional-liability product.Listed 34HUB International arranges technology errors and omissions insurance.
Tools, equipment and inland marineListed 9BHSI lists inland transit, motor-truck cargo, warehouse legal liability, contractor equipment, and floaters under Inland Marine.Listed 52HUB International arranges inland marine insurance through its marine practice.
TruckingNot listedListed 44HUB International arranges trucking insurance.
Umbrella and excess liabilityListed 15,16BHSI lists lead umbrella and excess casualty within its U.S. casualty products.Listed 51HUB International arranges umbrella and excess liability insurance.
Virtual care and telehealthNot listedListed 55HUB International arranges virtual care insurance for health care organizations.
Workers’ compensationNot listedListed 41HUB International arranges workers’ compensation insurance.

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

Current Spot Scores

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

Berkshire Hathaway Specialty Insurance

Carrier

Carrier & MGA

7.0/ 10

Assessed entity: Berkshire Hathaway Specialty Insurance Company. Scope: Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator records and AM Best. It does not cover policies issued by affiliates under the BHSI brand (for example Berkshire Hathaway International Insurance Ltd in the U.K.), and it is not a claims-outcome measure.

Provider assessment

HUB International

Broker

Broker

5.5/ 10

Assessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.

Provider assessment

Review Scores

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

Berkshire Hathaway Specialty Insurance

-/ 10

Review Score

The public ratings for Berkshire Hathaway Specialty Insurance are low but thin: Trustpilot shows 2.1 out of 5 from 9 reviews and BBB shows 1 out of 5 from 6. Both mix travel and commercial customers, so we don't count them in a score.[5][7]

Read Berkshire Hathaway Specialty Insurance reviews

HUB International

5.6/ 10

Review Score

2 rated sources

Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.[7][6]

Read HUB International reviews

Key Differences Between HUB International and Berkshire Hathaway Specialty Insurance

Multi-line advice and people risks

HUB presents its technology offering as a coordinated broker practice spanning commercial insurance, international placements, benefits and retirement. BHSI’s public guide presents insurance products by line and industry. A technology company expanding headcount while opening a foreign subsidiary can ask HUB whether the same team will coordinate global policies, benefits and risk advice; a BHSI placement should specify the product, territorial scope and authorized agent. A broad advisor menu is not proof that every policy can be placed together or that the provider is the insurer on each one.

Technology companies can ask HUB about E&O, cyber, D&O, transactional coverage, workers’ compensation and benefits; HUB says it currently insures 5,000+ technology companies, a company-reported figure. 34Company-reported. Industry marketing page only. Does not establish California eligibility, insurer panels or policy wording for any named coverage.

BHSI's U.S. industry focus spans real estate, public entities, financial institutions, healthcare, education, manufacturing, retail, logistics, transportation, energy, and technology. The at-a-glance guide associates these industries with particular product segments; it does not say every segment serves every listed industry. 1Company-reported. Company-stated industry focus in the United States section of the At A Glance (U.S. section version 2026-8-03 A); industry lists are segment-specific, not a universal eligibility statement.

Digital path versus specialty placement

HUB describes an online Insureon route for some accounts within its stated small-commercial size guidelines, while larger or different accounts are directed to an advisor. BHSI says its web submission is nonbinding and assigns binding to contracted group agents with state authority. A small shop or early-stage company may value HUB’s online initial route; an account with complex technology exposures should ask which HUB team will own the submission or which BHSI product and agent will review it. These are routing descriptions, not underwriting thresholds that guarantee acceptance.

Businesses with 50 or fewer employees or under $5 million revenue are directed by HUB to Insureon’s online quote; larger or different commercial accounts go to HUB advisors. These are routing guidelines, not a legal small-business definition. 32Company-reported. HUB contact-us Business Solutions copy as of 16 September 2026. Actual Insureon underwriting appetite can differ by product and insurer.

Small accounts meeting HUB’s size guidelines can start an online Insureon quote; other buyers contact a HUB broker or local office. The reviewed site does not offer a public self-serve bind route for mid-market programs. 32,35,36,37,34,30Company-reported. Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.

BHSI's website terms say online application or quote submissions are informational and nonbinding; only contracted agents of the National Indemnity group may bind coverage, issue policies or certificates, or change coverage. Group companies' authority also varies by state, so the terms do not show that every application must begin through an agent. 5Company-reported. The website's own online submissions and binding authority described by BHSI's terms; not a statement about every product's intake process or a claim that purchase can be completed online.

What to Confirm in Quotes

  • Ask HUB whether the account will be handled by Insureon or a HUB advisor, who the producer is, and which insurers issue the proposed tech, international and benefits products. 32 34
  • Ask BHSI which products, insurer and territorial terms are offered, and identify the contracted state-authorized agent. 1 5
  • Compare policy wording and service responsibilities for cyber incidents, technology errors, benefits and overseas entities separately. 33 5

Compare Services

What each provider documents about the services you may need

CriteriaBerkshire Hathaway Specialty InsuranceHUB International
Business role

BHSI’s U.S. At A Glance section (version 2026-8-03 A) lists commercial property, casualty, healthcare professional liability, executive and professional lines, surety, travel, programs, employer stop loss, and homeowners insurance. The guide is informational, not policy coverage, and its brand-level list does not identify the insurer on a particular policy. 1,2,5Company-reported. A description of BHSI's U.S. line list in its U.S. At A Glance section (version 2026-8-03 A) only. The guide says its descriptions are informational and are not coverage; its brand-level list does not assign an issuing insurer to a particular product or policy. This is not a claim that one legal insurer issues every BHSI product.

Berkshire Hathaway Specialty Insurance Company (BHSIC) identifies itself in its Singapore-branch public disclosure as a Nebraska-domiciled direct property and casualty insurer, wholly owned by National Indemnity Company, which is wholly owned by Berkshire Hathaway Incorporated. The Singapore-branch disclosure states this ownership chain. A Missouri Department of Insurance record separately lists BHSIC as active, NAIC 22276, and Property and Casualty in Missouri. Neither source identifies BHSIC as the issuer of every BHSI-branded U.S. policy. 3,4,5Company-reported. Company-reported corporate identity and ownership in BHSI's Singapore-branch public disclosure, corroborated for company identity and Missouri P&C authority by the Missouri Department of Insurance record accessed 2026-09-28. Neither source maps BHSIC as issuer for every BHSI-branded U.S. product; use policy-specific documents for that.

HUB helps businesses arrange insurance through brokers and agents; reviewed product pages describe brokerage, not HUB as the insurer. Its subsidiaries hold licenses in various US states and Canadian provinces. 28,29,33Company-reported. Brand and parent identity as of 16 September 2026. Does not identify which subsidiary would appear on a California producer license or policy declarations.

Small businesses may reach HUB through its digital Insureon route, acquired in 2022; Insureon and TechInsurance are associated with Specialty Program Group, so the retail account path may differ from HUB’s offices. 28,58,59,60,61Company-reported. Corporate-affiliation statements. Does not establish that every HUB office places business through Insureon, or that TechInsurance is a distinct California producer.

Customer focus

BHSI's U.S. industry focus spans real estate, public entities, financial institutions, healthcare, education, manufacturing, retail, logistics, transportation, energy, and technology. The at-a-glance guide associates these industries with particular product segments; it does not say every segment serves every listed industry. 1Company-reported. Company-stated industry focus in the United States section of the At A Glance (U.S. section version 2026-8-03 A); industry lists are segment-specific, not a universal eligibility statement.

Within its U.S. executive-lines commercial and financial segment, BHSI lists publicly traded and large privately owned commercial firms; investment, money-center, national, and regional banks; asset managers; and insurance companies and brokerages. The size description applies to the commercial-firm entry, not every listed institution or all BHSI products. 1Company-reported. Only the U.S. Executive Lines, Commercial & Financial segment, At A Glance p. 50. The “publicly traded and large privately owned” qualifier attaches to the Commercial Firms bullet only.

Bay Area technology, venture-capital, healthcare, life-sciences, real-estate and construction businesses can contact HUB’s San Francisco team; this is a local service description, not a product eligibility list. 25,26Company-reported. HUB International San Francisco office page at 201 Mission Street. A separate 44 Montgomery Street office describes contractor bonding and City of San Francisco contractor-development work under a Merriwether & Williams history.

Technology companies can ask HUB about E&O, cyber, D&O, transactional coverage, workers’ compensation and benefits; HUB says it currently insures 5,000+ technology companies, a company-reported figure. 34Company-reported. Industry marketing page only. Does not establish California eligibility, insurer panels or policy wording for any named coverage.

Businesses with 50 or fewer employees or under $5 million revenue are directed by HUB to Insureon’s online quote; larger or different commercial accounts go to HUB advisors. These are routing guidelines, not a legal small-business definition. 32Company-reported. HUB contact-us Business Solutions copy as of 16 September 2026. Actual Insureon underwriting appetite can differ by product and insurer.

Application process

BHSI's website terms say online application or quote submissions are informational and nonbinding; only contracted agents of the National Indemnity group may bind coverage, issue policies or certificates, or change coverage. Group companies' authority also varies by state, so the terms do not show that every application must begin through an agent. 5Company-reported. The website's own online submissions and binding authority described by BHSI's terms; not a statement about every product's intake process or a claim that purchase can be completed online.

Small accounts meeting HUB’s size guidelines can start an online Insureon quote; other buyers contact a HUB broker or local office. The reviewed site does not offer a public self-serve bind route for mid-market programs. 32,35,36,37,34,30Company-reported. Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.

Sources

Berkshire Hathaway Specialty Insurance Official Website

  1. At A Glance. Berkshire Hathaway Specialty Insurance; United States section, zero-based PDF pages 49–53 (viewer pages 50–54): product/industry lists on pages 49–50; U.S. disclosure/version footer on page 53 is 2026-8-03 A. The 2026-09-14 A footer is on preceding European page 48, not the U.S. section. Accessed 2026-09-29.
  2. About Us. Berkshire Hathaway Specialty Insurance; About BHSI; company profile page re-opened through official site on 2026-09-28; company says it is part of National Indemnity group. Accessed 2026-09-28.
  3. Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch. Berkshire Hathaway Specialty Insurance; Singapore branch public disclosure, Company Profile ¶¶ 1–2; direct page opened 2026-09-28. ¶ 1 identifies BHSIC as a Nebraska-domiciled direct P&C insurer; ¶ 2 states BHSIC is wholly owned by National Indemnity Company, itself wholly owned by Berkshire Hathaway Incorporated. Accessed 2026-09-28.
  4. Company Details — Berkshire Hathaway Specialty Insurance Company. Missouri Department of Insurance; Company Details fields: legal name, active license status, NAIC number 22276, and Property and Casualty description; Missouri regulator record also lists 2025 property-casualty lines. Accessed 2026-09-28. Accessed 2026-09-28.
  5. Terms of Service. Berkshire Hathaway Specialty Insurance; Important Information Concerning Use of this Web Site, paragraphs 2–4; nonbinding submissions, contracted-agent authority, state variation, product availability and policy-specific terms. Accessed 2026-09-28.
  6. United States. Berkshire Hathaway Specialty Insurance; United States products directory, opened 2026-09-28. Rendered page lists U.S. category links and Casualty/Property headings (lines 6–44); this directory view is navigation, not the linked product pages or a full review of product materials. Accessed 2026-09-28.
  7. Claims — United States. Berkshire Hathaway Specialty Insurance; Claims Reporting, lines 34–91; separate product-specific directions, then “All other claims” email, 24-hour toll-free phone, postal/overnight mail. Accessed 2026-09-28.
  8. Claims Excellence — United States. Berkshire Hathaway Specialty Insurance; Claims Service Standards, version US 2024-10-07A in footer/document end; page 2 lines 30–34 describe coverage discussion and third-party settlement communications. Accessed 2026-09-28.
  9. Marine. Berkshire Hathaway Specialty Insurance; Inland and ocean marine product list, covered property classes and target businesses; lines 18-69. Accessed 2026-09-28.
  10. Ocean Marine Cargo Overview. Berkshire Hathaway Specialty Insurance; Two-page U.S. marketing PDF marked US-12/22-A; product types lines 14-20; ocean marine cargo appetite, capacity and placement lines 43-57; out-of-appetite and target risk characteristics lines 58-72; terms disclaimer lines 103-114. Accessed 2026-09-28.
  11. Property. Berkshire Hathaway Specialty Insurance; All-risk, single-peril, catastrophe, inland/ocean marine and builder's risk offerings; target account descriptions. Accessed 2026-09-28.
  12. General Property Appetite Guide. Berkshire Hathaway Specialty Insurance; Page 1: minimum premium, product/forms, territory, attachment and working capacity; page 2 footer identifies 2026-02-10 A; lines 0-9, 89-99. Accessed 2026-09-28.
  13. Executive First Directors & Officers Liability Insurance. Berkshire Hathaway Specialty Insurance; Product Highlights: government investigations, shareholder derivative actions, late-notice qualification, defense counsel selection; Top Targets: large commercial and financial firms, lines 6–19. Accessed 2026-09-28.
  14. Executive First Private Company Portfolio. Berkshire Hathaway Specialty Insurance; Product Highlights: D&O, EPL, Fiduciary, Commercial Crime and Employed Lawyers in one comprehensive form; shared or separate limits to $50m; EPL First services. Top Targets: private companies at $10m+ revenues and listed industries, lines 11–25. Portfolio limit is not a separate line limit. Accessed 2026-09-28.
  15. Casualty Appetite Guide - U.S. Berkshire Hathaway Specialty Insurance; Casualty appetite PDF page 1: $50K minimum premium, GL/products/lead umbrella/excess lines, selected $10M excess capacity, placement forms and target/avoided classes; guide dated 2026-07-15. Accessed 2026-09-28.
  16. Casualty. Berkshire Hathaway Specialty Insurance; US casualty product lines and features: Primary General Liability lines 10-34; Primary Products/Completed Operations Liability 35-44; Lead Umbrella and Excess Casualty 46-63. Accessed 2026-09-28.
  17. Professional First Professional Liability. Berkshire Hathaway Specialty Insurance; U.S. Professional Liability landing page links Professional Liability / Network Security & Privacy, stand-alone Network Security & Privacy, and Architects, Engineers and Consultants PL, lines 6–15; footer copyright © 2026. Accessed 2026-09-28.
  18. Professional First Professional Liability Overview. Berkshire Hathaway Specialty Insurance; PDF pp.1–2: claims group and reporting; primary blended E&O/Cyber and stand-alone Cyber forms; line capacity statement; named Lawyers PL, Technology E&O, Miscellaneous PL, Media Liability, Network Security & Privacy; named technology-services target types and selection categories; dated 2026-06-03-A. Group capacity not a line policy limit. Source version: 2026-06-03-A. Accessed 2026-09-28.
  19. Professional First Architects, Engineers and Consultants Professional Liability. Berkshire Hathaway Specialty Insurance; Product Highlights: professional/pollution liability; media, technology and cyber/network security/privacy liability; direct breach/extortion expenses; risk services; primary/excess and project-specific product availability; target professions, lines 6–29. Its combined-form technology feature is not itself a standalone Tech E&O statement. Accessed 2026-09-28.
  20. Transactional Liability. Berkshire Hathaway Specialty Insurance; Product Highlights list R&W, tax, contingent-liability and class-action-settlement insurance; Top Targets list manufacturing, financial institutions, technology, real estate, energy, healthcare and retail, lines 6–27. The target list is for the transactional-liability portfolio, not exclusive R&W eligibility. Accessed 2026-09-28.
  21. Transactional Liability Overview. Berkshire Hathaway Specialty Insurance; PDF pp.1–2: R&W, tax, contingent-liability, and class-action-settlement products; portfolio-wide primary/excess and up-to-$25m capacity; premiums/retentions vary by transaction/risk; portfolio appetite and in-house claims group; R&W buyer-use descriptions; dated 2025-05-16-A. Product-specific limits and final terms not stated. Source version: 2025-05-16-A. Accessed 2026-09-28.
  22. Builder’s Risk. Berkshire Hathaway Specialty Insurance; Current U.S. page: all-risk, hot testing/commissioning, delay/startup/soft costs, single-peril/DIC primary/excess; separate EAR and CAR target categories; Master Builder’s Risk selectively considered, lines 6–35. Reopened 2026-09-28. Accessed 2026-09-28.
  23. Professional First Network Security & Privacy Policy. Berkshire Hathaway Specialty Insurance; Product Highlights: third-party breach exposures, regulatory investigations/fines/penalties, direct breach/extortion expenses, electronic-content media liability, business interruption from network-security failure, eRiskHub; Top Targets: professional-services firms, lines 6–19. Accessed 2026-09-28.
  24. Surety. Berkshire Hathaway Specialty Insurance; Product Highlights name performance, payment, advance-payment, maintenance, supply and warranty bonds; Top Targets name regional/national/global contractors and construction suppliers/services; PPP/project-delivery capability; lines 6–32. Accessed 2026-09-28.

HUB International Official Website

  1. Insurance Broker San Francisco. HUB International; Page metadata naming HUB International Limited as parent; About Us office copy for 201 Mission Street; products and industries blocks. Accessed 2026-09-16.
  2. HUB International San Francisco 44 Montgomery Street. HUB International; Office profile describing Merriwether & Williams Insurance Services history, bonding and contractor-development programs. Accessed 2026-09-16.
  3. California Insurance Brokers. HUB International; Introductory copy and listed California office directory including San Francisco locations. Accessed 2026-09-16.
  4. About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
  5. 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.
  6. HUB International 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.
  7. 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.
  8. Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
  9. Business Insurance Broker Coverage Policy. HUB International; Essential coverage and beyond-the-basics product catalog. Accessed 2026-09-16.
  10. Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
  11. General Liability Insurance Brokers. HUB International; Product page describing typical general-liability subjects and invitation to contact a broker. Accessed 2026-09-16.
  12. Directors and Officers (D&O) Liability Insurance Broker. HUB International; Product page for private, nonprofit and public-company D&O brokerage. Accessed 2026-09-16.
  13. Cyber Insurance. HUB International; Product page describing first-party and post-breach cyber expenses as typically arranged. Accessed 2026-09-16.
  14. Professional Liability Insurance Brokers. HUB International; Product page equating professional liability with errors and omissions and describing typical claim types. Accessed 2026-09-16.
  15. Errors and Omissions (E&O) Insurance Coverage. HUB International; Industries listed for E&O including technology, and statement that policies are customized. Accessed 2026-09-16.
  16. HUB ProEx. HUB International; Professional & Executive Risk practice: EPL, fiduciary, crime/fidelity, K&R; ProEx Coverages: Executive Liability; Cyber, Technology E&O, and Intellectual Property; Financial Institutions; certificates of insurance; claims and legal support; carrier-premium figure; FAQ on management liability and ProEx program structuring. Accessed 2026-09-16.
  17. Workers' Compensation Insurance Brokers. HUB International; Product page on workers’ compensation brokerage, state-fund variation and typical benefits. Accessed 2026-09-16.
  18. Business Owners Policy (BOP) Company Coverage. HUB International; BOP described as combined property and liability for small and mid-size businesses. Accessed 2026-09-16.
  19. Commercial (Business) Property Insurance Brokers. HUB International; Property Practice description, domestic and global carrier access, traditional and alternative structures. Accessed 2026-09-16.
  20. Commercial Auto Insurance Broker Policy & Coverage. HUB International; Coverage that works for you: securing commercial auto and trucking insurance; Hired and non-owned exposures. Accessed 2026-09-16.
  21. Crime Insurance Brokers. HUB International; Crime/fraud coverage product page for private, public and not-for-profit organizations. Accessed 2026-09-16.
  22. Fiduciary Liability Insurance Brokers. HUB International; Fiduciary liability product page distinguishing it from D&O. Accessed 2026-09-16.
  23. Kidnap and Ransom Insurance Brokers. HUB International; Kidnap and ransom product page for traveling executives and employees. Accessed 2026-09-16.
  24. Surety Bonds and Surety Bond Insurance for Businesses. HUB International; Contract surety types including bid, performance and payment bonds. Accessed 2026-09-16.
  25. Medical Malpractice Insurance Brokers. HUB International; Medical malpractice brokerage, including telemedicine-related risks. Accessed 2026-09-16.
  26. Mergers & Acquisitions (M&A) Insurance Broker. HUB International; Representations and warranties, litigation buyout and tax indemnification insurance. Accessed 2026-09-16.
  27. Comprehensive Casualty Insurance Solutions. HUB International; Casualty Insurance & Risk Financing: General & Product Liability; Umbrella & Excess Liability; workers’ compensation; Ancillary Coverages (product recall); global carrier relationships. Accessed 2026-09-16.
  28. Marine Insurance Broker Policy & Coverage. HUB International; A comprehensive approach to ocean and inland marine insurance; Tailored solutions: Marine Cargo Insurance and Stock Throughput Insurance; related marine liability coverages; domestic and international carriers; inland marine FAQ. Accessed 2026-09-16.
  29. Boiler and Machinery Equipment Insurance Coverage. HUB International; Boiler & Machinery Insurance – Protect Your Equipment and Business: design and negotiation of a tailored equipment-breakdown program. Accessed 2026-09-16.
  30. Employee Benefits Brokers and Consulting Services. HUB International; An Employee Benefits Broker for Changing Times: employee-benefits brokerage and multi-year planning services; tailored solutions; Talk to an Employee Benefits Broker; plan-design FAQ. Accessed 2026-09-16.
  31. Virtual Care Insurance Brokerage Coverage. HUB International; Virtual care insurance and support: risk management and insurance list for virtual care organizations, including medical professional liability, technology E&O, products liability, cyber and management liability. Accessed 2026-09-16.
  32. Insurance Claims Management. HUB International; Claims advocacy, TPA coordination, coverage-dispute support and published process metrics. Accessed 2026-09-16.
  33. Risk Management Information System (RMIS). HUB International; RMIS claims administration, certificate tracking and carrier/TPA data aggregation. Accessed 2026-09-16.
  34. About Insureon. Insureon; Insureon as part of HUB; licensed in every state; named example insurers; 2022 acquisition history; TechInsurance origin. Accessed 2026-09-16.
  35. Insurance Licenses by State. Insureon; California 0L09546; footer that Insureon operates as a division of Specialty Program Group LLC dba SPG Insurance Solutions. Accessed 2026-09-16.
  36. Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm 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.
  37. About Us | TechInsurance. TechInsurance; TechInsurance as part of Insureon; 2022 HUB acquisition of Insureon’s digital agency. Accessed 2026-09-16.
  38. California Department of Insurance License Status Inquiry. California Department of Insurance; Public license-search portal landing page. Accessed 2026-09-16.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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