---
title: "biBerk vs HUB International"
description: "Compare biBerk’s direct small-business route with HUB International for a business deciding whether it fits a direct small-business quote route or needs HUB's broker help for a broader account."
canonical: "https://spot.insure/compare/biberk-vs-hub-international"
page-type: "provider-comparison"
updated-at: "2026-09-30"
---
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[Human-readable page](https://spot.insure/compare/biberk-vs-hub-international)
# biBerk vs HUB International
Compare biBerk’s direct small-business route with HUB International for a business deciding whether it fits a direct small-business quote route or needs HUB's broker help for a broader account.
## Before You Quote
Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.
## Highlights
HUB is a broker with broader commercial and technology practices; qualifying small accounts can start online through its Insureon route. biBerk sells directly to small businesses, making this a useful comparison when account size or specialized advice may change the access route. [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [2](https://www.biberk.com/disclosures "Small Business Insurance From biBerk | Read Disclosures") [18](https://www.hubinternational.com/about-us/ "About Us") [22](https://www.hubinternational.com/contact-us/ "Contact Us") [15](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") [23](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") [21](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid")
## Provider Reliability Assessments
These sourced assessments are shown for context; this comparison does not select a winner.
### biBerk
Role: Insurance carrier.
Carrier & MGA Spot Score: **No Spot Score**. Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Identity and Authority (The supplied evidence did not support a score for Identity and Authority; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best pages were not opened (bot-protection redirect). The A++ ratings are company-reported and third-party-reported, and the exact entity list on AM Best's page is unconfirmed.; NAIC complaint index could not be checked at NAIC; the only figure found is from a third-party site.; Current licence status in each state was not looked up in state DOI records. NAIC codes were seen in biBerk's disclosure and the Oregon order only.; No 50-state regulatory-action search was done; only Oregon was found through general web search.; Which insurer issues each product and state is not stated.; biBerk is a distribution brand; whether it is itself a licensed producer entity was not established.); Financial Resilience (The supplied evidence did not support a score for Financial Resilience; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best pages were not opened (bot-protection redirect). The A++ ratings are company-reported and third-party-reported, and the exact entity list on AM Best's page is unconfirmed.; NAIC complaint index could not be checked at NAIC; the only figure found is from a third-party site.; Current licence status in each state was not looked up in state DOI records. NAIC codes were seen in biBerk's disclosure and the Oregon order only.; No 50-state regulatory-action search was done; only Oregon was found through general web search.; Which insurer issues each product and state is not stated.; biBerk is a distribution brand; whether it is itself a licensed producer entity was not established.); Claims and Servicing (The supplied evidence did not support a score for Claims and Servicing; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best pages were not opened (bot-protection redirect). The A++ ratings are company-reported and third-party-reported, and the exact entity list on AM Best's page is unconfirmed.; NAIC complaint index could not be checked at NAIC; the only figure found is from a third-party site.; Current licence status in each state was not looked up in state DOI records. NAIC codes were seen in biBerk's disclosure and the Oregon order only.; No 50-state regulatory-action search was done; only Oregon was found through general web search.; Which insurer issues each product and state is not stated.; biBerk is a distribution brand; whether it is itself a licensed producer entity was not established.); Carrier-Network Strength (The supplied evidence did not support a score for Carrier-Network Strength; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best pages were not opened (bot-protection redirect). The A++ ratings are company-reported and third-party-reported, and the exact entity list on AM Best's page is unconfirmed.; NAIC complaint index could not be checked at NAIC; the only figure found is from a third-party site.; Current licence status in each state was not looked up in state DOI records. NAIC codes were seen in biBerk's disclosure and the Oregon order only.; No 50-state regulatory-action search was done; only Oregon was found through general web search.; Which insurer issues each product and state is not stated.; biBerk is a distribution brand; whether it is itself a licensed producer entity was not established.); Regulatory Conduct (The supplied evidence did not support a score for Regulatory Conduct; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best pages were not opened (bot-protection redirect). The A++ ratings are company-reported and third-party-reported, and the exact entity list on AM Best's page is unconfirmed.; NAIC complaint index could not be checked at NAIC; the only figure found is from a third-party site.; Current licence status in each state was not looked up in state DOI records. NAIC codes were seen in biBerk's disclosure and the Oregon order only.; No 50-state regulatory-action search was done; only Oregon was found through general web search.; Which insurer issues each product and state is not stated.; biBerk is a distribution brand; whether it is itself a licensed producer entity was not established.).
Read the [full reliability assessment](https://spot.insure/insurance-providers/biberk/reliability).
### HUB International
Role: Broker.
Broker Spot Score: **5.5/10** (partial score; 15% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).
Read the [full reliability assessment](https://spot.insure/insurance-providers/hub-international/reliability).
## biBerk Reviews
Review Score: 9.0 / 10 from 3 rated sources, equally weighted.
Customers rate biBerk well: Trustpilot shows 4.5 out of 5 from 2,620 reviews, and NerdWallet gives it 4.0. The complaints are about slow service after you buy, billing and audits, and slow refunds.
- NerdWallet: NerdWallet editorial rating 4.0 (out of 5). NerdWallet's own editorial review of biBerk as a US small-business insurer. Not a customer average. Period: updated Feb 13, 2026. Checked 2026-09-29. [biBerk Insurance Review 2026](https://www.nerdwallet.com/business/insurance/learn/biberk-insurance)
- Trustpilot: TrustScore 4.5 (out of 5); 2620 reviews. Trustpilot's biBerk profile. All lines and states; not tied to a specific policy. Period: profile accessed 2026-09-29; 714 in last 12 months. Checked 2026-09-29. [biBerk Business Insurance Reviews](https://www.trustpilot.com/review/biberk.com)
- BBB: BBB business grade A+ (BBB letter grade). BBB Omaha, NE profile for biBerk, a Berkshire Hathaway Company. Grade, reviews and complaints are separate measures. Period: profile accessed 2026-09-29. Checked 2026-09-29. [biBerk, a Berkshire Hathaway Company - BBB profile](https://www.bbb.org/us/ne/omaha/profile/insurance-agency/biberk-a-berkshire-hathaway-company-0714-300108690); [biBerk BBB customer reviews](https://www.bbb.org/us/ne/omaha/profile/insurance-agency/biberk-a-berkshire-hathaway-company-0714-300108690/customer-reviews); [biBerk BBB complaints](https://www.bbb.org/us/ne/omaha/profile/insurance-agency/biberk-a-berkshire-hathaway-company-0714-300108690/complaints)
Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/biberk/reviews).
## HUB International Reviews
Review Score: 5.6 / 10 from 2 rated sources, equally weighted.
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-.
- BBB: BBB business grade A- (BBB letter grade). BBB profile for HUB International, Chicago headquarters and its corporate-owned locations (United States). HUB is a global broker; BBB coverage is US/Canada and split by office profile. Period: current page, accessed 2026-09-29; 3 complaints closed in last 3 years. Checked 2026-09-29. [HUB International | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202)
- BBB customer reviews: BBB customer reviews 1 (out of 5); 7 reviews. Customer reviews left on the same BBB headquarters profile (HQ and corporate-owned US locations). Small sample. Checked 2026-09-29. [HUB International | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202/customer-reviews)
- BBB Canada West: BBB business grade A- (BBB letter grade). BBB profile for HUB International Canada West ULC, Burnaby BC. Covers one Canadian regional entity only, not the whole group. Period: current page; 13 complaints closed in last 3 years; 3 customer reviews. Checked 2026-09-29. [HUB International Canada West ULC | BBB Reviews](https://www.bbb.org/ca/bc/burnaby/profile/insurance-services-office/hub-international-insurance-brokers-hub-coastal-0037-120326/customer-reviews)
Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/hub-international/reviews).
## Introduction
A business that fits biBerk's direct small-business products can begin online; ask HUB whether your account meets its small-account guidelines or needs a broker and local office. [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") [22](https://www.hubinternational.com/contact-us/ "Contact Us") [18](https://www.hubinternational.com/about-us/ "About Us") [15](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco")
## Coverage Comparison
| Coverage Type | biBerk | HUB International |
| --- | --- | --- |
| [Builders risk](https://spot.insure/coverage/builders-risk) | Not listed | Listed: HUB International arranges builders risk insurance. [24](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Listed [6](https://www.biberk.com/small-business-insurance/business-owners-policy "Get A biBerk Business Owners Policy | Fast Online Quote") | Listed: HUB International arranges business owner’s policies for small and midsized businesses. [32](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") |
| [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Not listed | Listed: HUB International arranges cargo insurance. [42](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [24](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed [8](https://www.biberk.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance From biBerk | Get Coverage Online") | Listed: HUB International arranges commercial auto insurance. [34](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Not listed | Listed: HUB International arranges commercial property insurance. [33](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") |
| [Crime](https://spot.insure/coverage/crime) | Not listed | Listed: HUB International arranges commercial crime insurance. [35](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [30](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed [5](https://www.biberk.com/small-business-insurance/cyber-insurance "Cyber Insurance & Data Breach Coverage for Business | biBerk") | Listed: HUB International arranges cyber insurance. [27](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [24](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Not listed | Listed: HUB International arranges directors and officers liability insurance. [26](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [24](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| [Employee health and benefits](https://spot.insure/coverage/employee-health-benefits) | Not listed | Listed: HUB International arranges employee health and benefits programs. [44](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [15](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Not listed | Listed: HUB International arranges employment practices liability insurance. [30](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [24](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| [Equipment breakdown](https://spot.insure/coverage/equipment-breakdown) | Not listed | Listed: HUB International arranges equipment breakdown insurance. [43](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") |
| [Fidelity bonds](https://spot.insure/coverage/fidelity-bonds) | Not listed | Listed: HUB International arranges crime and fidelity coverage through its professional and executive risk practice. [30](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Not listed | Listed: HUB International arranges fiduciary liability insurance. [36](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [30](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") |
| [General liability](https://spot.insure/coverage/general-liability) | Listed [11](https://www.biberk.com/small-business-insurance/general-liability-insurance "General Liability Insurance From biBerk | Get A Quote Today") | Listed: HUB International arranges general liability insurance. [25](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") |
| [Hired and non-owned auto](https://spot.insure/coverage/hired-non-owned-auto) | Not listed | Listed: HUB International arranges hired and non-owned auto coverage through its commercial auto brokerage. [34](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") |
| [Key person](https://spot.insure/coverage/key-person) | Not listed | Listed: HUB International arranges key person life and disability insurance. [24](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| [Kidnap and ransom](https://spot.insure/coverage/kidnap-ransom) | Not listed | Listed: HUB International arranges kidnap and ransom insurance. [37](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [30](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") |
| [Management liability](https://spot.insure/coverage/management-liability) | Not listed | Listed: HUB International arranges management liability insurance through its professional and executive risk practice. [24](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [30](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") |
| [Medical malpractice](https://spot.insure/coverage/medical-malpractice) | Not listed | Listed: HUB International arranges medical professional liability insurance for health care professionals. [39](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") |
| [Product liability](https://spot.insure/coverage/product-liability) | Not listed | Listed: HUB International arranges product liability insurance. [41](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") |
| [Product recall](https://spot.insure/coverage/product-recall) | Not listed | Listed: HUB International arranges product recall insurance. [41](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed [13](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk") | Listed: HUB International arranges professional errors and omissions insurance. [28](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [29](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") |
| [Representations and warranties](https://spot.insure/coverage/representations-warranties) | Not listed | Listed: HUB International arranges representations and warranties insurance. [40](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Not listed | Listed: HUB International arranges surety bonds. [38](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") |
| [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Not listed | Listed: HUB International arranges technology errors and omissions insurance. [24](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Not listed | Listed: HUB International arranges inland marine insurance through its marine practice. [42](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") |
| [Trucking](https://spot.insure/coverage/trucking) | Not listed | Listed: HUB International arranges trucking insurance. [34](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed [7](https://www.biberk.com/small-business-insurance/umbrella-insurance "Umbrella Insurance From biBerk | Get Coverage Today") | Listed: HUB International arranges umbrella and excess liability insurance. [41](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") |
| [Virtual care and telehealth](https://spot.insure/coverage/virtual-care-telehealth) | Not listed | Listed: HUB International arranges virtual care insurance for health care organizations. [45](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed [12](https://www.biberk.com/small-business-insurance/workers-compensation-insurance "Workers’ Compensation Insurance From biBerk | Get A Quote") | Listed: HUB International arranges workers’ compensation insurance. [31](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") |
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.
## 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://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.
## Key Differences Between biBerk and HUB International
### Channel and Insurer Roles
biBerk sells small-business insurance directly. HUB arranges insurance through brokers and agents, and its small-account quote route has size guidelines; ask whether your account will use that route or a broker. [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [2](https://www.biberk.com/disclosures "Small Business Insurance From biBerk | Read Disclosures") [18](https://www.hubinternational.com/about-us/ "About Us") [22](https://www.hubinternational.com/contact-us/ "Contact Us") [21](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid")
### Coverage and Business Fit
The current catalogues both list Cyber liability. Shared labels make these useful lines to request side by side; they do not show that limits, exclusions, deductibles or forms match. biBerk offers common small-business policies and describes cyber as an add-on to certain base policies. HUB International’s coverage catalogue and product descriptions should be checked against the specific exposure you are buying for, especially cyber liability. [11](https://www.biberk.com/small-business-insurance/general-liability-insurance "General Liability Insurance From biBerk | Get A Quote Today") [5](https://www.biberk.com/small-business-insurance/cyber-insurance "Cyber Insurance & Data Breach Coverage for Business | biBerk") [23](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") [27](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [24](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")
### Application and Ongoing Service
biBerk lets eligible buyers begin a direct online quote and purchase. HUB directs small accounts that meet size guidelines to an Insureon quote, while other buyers contact a broker or local office. [4](https://www.biberk.com/support "biBerk Support | Small Business Insurance") [30](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [22](https://www.hubinternational.com/contact-us/ "Contact Us")
## What to Confirm in Quotes
- Can both providers quote Cyber liability with the same limits, deductibles, exclusions and policy period? Ask for the forms with each proposal.
- Who is the licensed producer or broker on each quote, which insurer issues each policy, and where do you send a claim notice? Ask whether your account meets HUB's small-account guidelines or will be handled by a broker, and what account service tier and compensation apply. [18](https://www.hubinternational.com/about-us/ "About Us") [22](https://www.hubinternational.com/contact-us/ "Contact Us") [15](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco")
- What premium, taxes, fees and commissions apply to the exact risk and term? Do not compare sample prices or payment methods without the same limits and coverage terms.
## Compare Services
What each provider documents about the services you may need.
| Criteria | biBerk | HUB International |
| --- | --- | --- |
| Business role | biBerk says it sells small-business insurance directly without an insurance broker. This is its company-reported channel description. Its California/Massachusetts notice names four insurers collectively as issuing most policies and lists each insurer’s licensed jurisdictions, but does not identify the insurer for a particular transaction, product, or policy or guarantee product availability in a jurisdiction. [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") [2](https://www.biberk.com/disclosures "Small Business Insurance From biBerk | Read Disclosures") (Evidence: Company-reported; scope: Company-reported description of biBerk’s U.S. small-business sales channel on its About page; not a claim about every transaction, product route, producer role, or policy issuer.; verified: 2026-09-28.) | 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. [18](https://www.hubinternational.com/about-us/ "About Us") [19](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [23](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.)
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. [18](https://www.hubinternational.com/about-us/ "About Us") [48](https://www.insureon.com/about-us "About Insureon") [49](https://www.insureon.com/legal/licenses "Insurance Licenses by State") [50](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") [51](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.) |
| Application process | biBerk describes an online path in which a business answers questions, chooses coverage, and pays online; it also says applicants can speak with an insurance expert. Its homepage says availability depends on the state and type of insurance; the description does not establish that every applicant can complete or bind online. [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") (Evidence: Company-reported; scope: Company-described online quote and purchase route and expert assistance for U.S. small-business applicants. The homepage states that availability depends on state and type of insurance; this is not a claim that every applicant can complete an online purchase or bind coverage.; verified: 2026-09-28.) | 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. [22](https://www.hubinternational.com/contact-us/ "Contact Us") [25](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [26](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [27](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [24](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [20](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 lines | biBerk offers cyber and data-breach protection as an add-on to General Liability, Professional Liability, or a Business Owners Policy (BOP); the page does not present this as a stand-alone product. The types of response expenses and affected-person services depend on the selected base policy and terms. [5](https://www.biberk.com/small-business-insurance/cyber-insurance "Cyber Insurance & Data Breach Coverage for Business | biBerk") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: small-business cyber add-on. Jurisdiction and availability depend on state and underwriting. Company-reported page description; the issued policy and endorsement control coverage.; verified: 2026-09-29.)
biBerk describes its small-business BOP as combining General Liability and commercial property in one policy. Its page gives examples of third-party injury/property-damage liability and protection for buildings or leased space, contents, inventory, tools, and business income after covered property damage; the issued policy controls. [6](https://www.biberk.com/small-business-insurance/business-owners-policy "Get A biBerk Business Owners Policy | Fast Online Quote") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: small-business Business Owners Policy. State availability and exact terms depend on underwriting and the issued policy. Company-reported coverage description, not a policy-form determination.; verified: 2026-09-29.)
biBerk says its umbrella coverage applies only when the claim concerns coverage included in an appropriate underlying liability policy and that policy’s limits have been reached. An umbrella does not add a line such as commercial auto when the required underlying auto coverage is absent; the issued terms control. [7](https://www.biberk.com/small-business-insurance/umbrella-insurance "Umbrella Insurance From biBerk | Get Coverage Today") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: small-business umbrella/commercial excess. In New York, biBerk calls it commercial excess. Underlying coverage and exhaustion conditions are company-described; confirm the scheduled underlying policies and issued terms.; verified: 2026-09-29.)
biBerk’s commercial-auto page lists bodily-injury and property-damage liability, medical-payments/no-fault, uninsured-motorist, comprehensive, and collision coverage examples for business vehicles. Which options apply depends on the policy selected and issued. [8](https://www.biberk.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance From biBerk | Get Coverage Online") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: small-business commercial auto. Vehicle eligibility and availability depend on underwriting and state; page examples do not establish coverage under an individual policy.; verified: 2026-09-29.)
biBerk markets General Liability insurance for small businesses and says it is offered in many states. The page does not establish availability or eligibility for a particular business or state. [11](https://www.biberk.com/small-business-insurance/general-liability-insurance "General Liability Insurance From biBerk | Get A Quote Today") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: marketed small-business General Liability line. This is a catalogue-membership claim only, not a reviewed detailed-offering conclusion or coverage determination.; verified: 2026-09-29.)
biBerk markets Professional Liability insurance, also called Errors and Omissions (E&O), for businesses seeking protection over alleged errors or omissions in professional services. This is a catalogue-membership statement, not a determination of terms or eligibility. [13](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: marketed small-business Professional Liability/E&O line. This is a catalogue-membership claim only; the page reviewed does not establish individual eligibility or policy terms.; verified: 2026-09-29.)
biBerk markets Workers’ Compensation insurance for small businesses and describes quotes and policy purchases online or with an insurance expert. State rules and underwriting determine whether it can quote a particular employer. [12](https://www.biberk.com/small-business-insurance/workers-compensation-insurance "Workers’ Compensation Insurance From biBerk | Get A Quote") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: marketed small-business Workers’ Compensation line. This is a catalogue-membership claim only, not a reviewed detailed-offering conclusion or coverage determination.; verified: 2026-09-29.) | Businesses can ask HUB about liability, property, workers’ comp, auto, cyber, D&O, professional liability, crime, fiduciary, bonds, malpractice, marine, equipment and transaction coverage, plus employee benefits; marketing pages do not establish exact forms or eligibility. [23](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") [25](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [33](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [31](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [32](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") [34](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [27](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [26](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [28](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [29](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [35](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [36](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [37](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [38](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [39](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") [42](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [43](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") [40](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [41](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [44](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [30](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.)
Technology companies can build programs around Tech E&O, cyber, D&O, workers’ comp, cargo, property, benefits and other listed risks; confirm which are relevant and available for your operations. [24](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.) |
| Customer focus | biBerk targets small businesses across varied industries and lists examples such as accounting, food service, retail, and transportation. The homepage FAQ says availability depends on the state and type of insurance; the industry list is illustrative, not an eligibility guarantee. [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") (Evidence: Company-reported; scope: U.S. small-business audience and examples on biBerk’s national site; examples are illustrative. The homepage says availability depends on the state and type of insurance; listed categories do not establish individual eligibility.; verified: 2026-09-28.) | 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. [15](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") [16](https://www.hubinternational.com/offices/us/california/san-francisco-44-montgomery-street/ "HUB International San Francisco 44 Montgomery Street") (Evidence: Company-reported; scope: 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.; verified: 2026-09-16.)
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. [24](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.)
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. [22](https://www.hubinternational.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: HUB contact-us Business Solutions copy as of 16 September 2026. Actual Insureon underwriting appetite can differ by product and insurer.; verified: 2026-09-16.) |
## Related Reading
- [What Is biBerk Insurance?](https://spot.insure/insurance-providers/biberk)
- [What Is HUB International?](https://spot.insure/insurance-providers/hub-international)
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## Sources
### [biBerk Official Website](https://www.biberk.com/)
1. [About biBerk | Making Small Business Insurance Simple](https://www.biberk.com/about-biberk). biBerk; Making small business insurance simple and direct sales without an insurance broker, lines 72–89; online assistance, lines 76–78. Accessed 2026-09-28.
2. [Small Business Insurance From biBerk | Read Disclosures](https://www.biberk.com/disclosures). biBerk; California/Massachusetts applicants and insureds notice: collective insurer statement and no-guarantee qualification, lines 73–75; each insurer’s NAIC code, domicile, and licensed jurisdictions, lines 76–88. Accessed 2026-09-28.
3. [Small Business Insurance From biBerk | Get A Quote Online](https://www.biberk.com/). biBerk; Online purchase steps, lines 183–197; small-business audience and industries, lines 231–238; state/type availability, lines 290–295. Accessed 2026-09-28.
4. [biBerk Support | Small Business Insurance](https://www.biberk.com/support). biBerk; Common Support Requests, My Policy and Start a Claim routes, lines 47–75. Accessed 2026-09-28.
5. [Cyber Insurance & Data Breach Coverage for Business | biBerk](https://www.biberk.com/small-business-insurance/cyber-insurance). biBerk; “What is data breach insurance and Cyber insurance add-on coverage?” (lines 76–78); “Cyber Insurance Add-on Coverage” (lines 103–107); attach options reiterated at lines 160–162. Accessed 2026-09-29.
6. [Get A biBerk Business Owners Policy | Fast Online Quote](https://www.biberk.com/small-business-insurance/business-owners-policy). biBerk; “What is a Business Owners Policy?” (lines 77–80); liability and property examples (lines 104–146); endorsements (lines 182–205). Accessed 2026-09-29.
7. [Umbrella Insurance From biBerk | Get Coverage Today](https://www.biberk.com/small-business-insurance/umbrella-insurance). biBerk; “How does Umbrella insurance work?” (lines 87–96): appropriate underlying liability policy and its limits must be reached; example at lines 97–99. Accessed 2026-09-29.
8. [Commercial Auto Insurance From biBerk | Get Coverage Online](https://www.biberk.com/small-business-insurance/commercial-auto-insurance). biBerk; “What does Commercial Auto insurance cover?”: bodily injury, property damage, medical payments/no-fault, uninsured motorist, comprehensive and collision examples (lines 116–148). Accessed 2026-09-29.
9. [Small Business Insurance From biBerk | Read Disclosures](https://www.biberk.com/disclosures). biBerk; Notice to California and Massachusetts Applicants and Insureds: four insurers collectively issue most policies, no-guarantee limitation, company codes, domicile and licensed jurisdictions, lines 73–88. Accessed 2026-09-29.
10. [About biBerk | Making Small Business Insurance Simple](https://www.biberk.com/about-biberk). biBerk; Official page title and body identify the biBerk brand and link to biBerk.com; accessed for brand capitalization and site identity only. Accessed 2026-09-29.
11. [General Liability Insurance From biBerk | Get A Quote Today](https://www.biberk.com/small-business-insurance/general-liability-insurance). biBerk; Small-business General Liability product and online/phone quote route (lines 73–79); state availability FAQ (lines 231–233). Accessed 2026-09-29.
12. [Workers’ Compensation Insurance From biBerk | Get A Quote](https://www.biberk.com/small-business-insurance/workers-compensation-insurance). biBerk; Workers’ Compensation product, quote and purchase routes (lines 73–81, 93–100); work-injury coverage description (lines 102–104). Accessed 2026-09-29.
13. [Professional Liability Insurance | Talk To biBerk](https://www.biberk.com/small-business-insurance/professional-liability-insurance). biBerk; Professional Liability/E&O product and online/phone quote and purchase route (lines 73–88). Accessed 2026-09-29.
14. [biBerk Insurance Review 2026: Berkshire Hathaway’s Basic Online Storefront](https://www.nerdwallet.com/business/insurance/learn/biberk-insurance). NerdWallet; “BiBerk pros and cons” (lines 337–343) and “Lots of complaints filed with state regulators” (lines 355–360); rating-factor methodology, including the 2022–2024 commercial general liability/property complaint finding and lowest possible complaint-factor score (lines 376–383); review updated February 13, 2026. Accessed 2026-09-29.
### [HUB International Official Website](https://www.hubinternational.com)
15. [Insurance Broker San Francisco](https://www.hubinternational.com/offices/us/california/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.
16. [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.
17. [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.
18. [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.
19. [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.
20. [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.
21. [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.
22. [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.
23. [Business Insurance Broker Coverage Policy](https://www.hubinternational.com/products/business-insurance/). HUB International; Essential coverage and beyond-the-basics product catalog. Accessed 2026-09-16.
24. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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.
25. [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.
26. [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.
27. [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.
28. [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.
29. [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.
30. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). 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.
31. [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.
32. [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.
33. [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.
34. [Commercial Auto Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/commercial-auto/). HUB International; Coverage that works for you: securing commercial auto and trucking insurance; Hired and non-owned exposures. Accessed 2026-09-16.
35. [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.
36. [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.
37. [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.
38. [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.
39. [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.
40. [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.
41. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). 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.
42. [Marine Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/marine-insurance/). 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.
43. [Boiler and Machinery Equipment Insurance Coverage](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/). HUB International; Boiler & Machinery Insurance – Protect Your Equipment and Business: design and negotiation of a tailored equipment-breakdown program. Accessed 2026-09-16.
44. [Employee Benefits Brokers and Consulting Services](https://www.hubinternational.com/products/employee-benefits/). 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.
45. [Virtual Care Insurance Brokerage Coverage](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/). 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.
46. [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.
47. [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.
48. [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.
49. [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.
50. [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.
51. [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.
52. [California Department of Insurance License Status Inquiry](https://cdicloud.insurance.ca.gov/cal). California Department of Insurance; Public license-search portal landing page. Accessed 2026-09-16.
Updated 2026-09-30. 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.
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