--- title: "CFC vs HUB International" description: "Compare a CFC technology placement with HUB’s brokerage and small-commercial routing for a founder choosing how to buy insurance." canonical: "https://spot.insure/compare/cfc-vs-hub-international" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "CFC", "HUB International"] --- [Human-readable page](https://spot.insure/compare/cfc-vs-hub-international) # CFC vs HUB International Compare a CFC technology placement with HUB’s brokerage and small-commercial routing for a founder choosing how to buy insurance. ## Research Scope and Use Use this comparison to evaluate CFC and HUB International against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights CFC is a specialist MGA offering technology insurance through brokers. HUB is a brokerage group with a technology practice and a small-commercial route through Insureon, which also includes TechInsurance. [5](https://www.cfc.com/en-us/company/ "About CFC") [1](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [6](https://www.cfc.com/en-us/connect/ "Connect broker trading portal") [39](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [37](https://www.hubinternational.com/contact-us/ "Contact Us") [63](https://www.insureon.com/about-us "About Insureon") ## Introduction A founder looking for a first technology policy may reach a specialist product through an existing broker or ask a brokerage to organize the purchase. CFC and HUB sit at those different points: CFC markets technology underwriting products, while HUB markets technology-company brokerage. They could occupy different roles in a program, although the reviewed sources do not establish a HUB-to-CFC placement arrangement. [5](https://www.cfc.com/en-us/company/ "About CFC") [1](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [39](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") ## Documented Provider Strengths ### CFC - Technology E&O, cyber and media in a package [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.) - Cyber threat monitoring and 24/7 incident support [7](https://www.cfc.com/en-us/response/ "CFC Response") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.) ### HUB International - HUB’s technology practice markets insurance and benefits programs to startups and software, hardware and digital-media companies, and says it currently insures more than 5,000 technology companies. [39](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Industry marketing page only. Does not establish California eligibility, insurer panels or policy wording for any named coverage.; verified: 2026-09-16.) - HUB routes qualifying small commercial accounts to Insureon’s online quote and other business insurance to a HUB advisor or local office; there is no published self-serve bind path for mid-market programs on hubinternational.com. [37](https://www.hubinternational.com/contact-us/ "Contact Us") [40](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [41](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [42](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [39](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [35](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | CFC | HUB International | | --- | --- | --- | | Builders risk | Not listed | Listed [39](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Business owner’s policy | Not listed | Listed [47](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") | | Cargo and transit | Not listed | Listed [57](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [39](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Commercial auto | Not listed | Listed [49](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | | Commercial property | Listed [13](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty") | Listed [48](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") | | Crime | Listed [11](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [23](https://www.cfc.com/en-us/products/industry/fintech/ "Fintech insurance") | Listed [50](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [45](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Cyber liability | Listed [9](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance — US") | Listed [42](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [39](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Directors and officers | Listed [11](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") | Listed [41](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [39](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Employee health and benefits | Not listed | Listed [59](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [30](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") | | Employment practices liability | Listed [11](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") | Listed [45](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [39](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Equipment breakdown | Not listed | Listed [58](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") | | Fidelity bonds | Not listed | Listed [45](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Fiduciary liability | Listed [11](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") | Listed [51](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [45](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | General liability | Listed [13](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty") | Listed [40](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") | | Hired and non-owned auto | Not listed | Listed [49](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | | Intellectual property | Listed [14](https://www.cfc.com/en-us/products/class/intellectual-property/ "Intellectual property insurance") | Not listed | | Key person | Not listed | Listed [39](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Kidnap and ransom | Listed [15](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap and ransom") | Listed [52](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [45](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Management liability | Listed [10](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") | Listed [39](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [45](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Media liability | Listed [21](https://www.cfc.com/en-us/products/industry/media-entertainment/ "Media & entertainment") | Not listed | | Medical malpractice | Listed [20](https://www.cfc.com/en-us/products/class/medical-malpractice/ "Medical malpractice") | Listed [54](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") | | Product liability | Listed [22](https://www.cfc.com/en-us/products/industry/life-science/ "Life science") | Listed [56](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | | Product recall | Listed [16](https://www.cfc.com/en-us/products/class/product-recall/ "Product recall") | Listed [56](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | | Professional liability / E&O | Listed [12](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") | Listed [43](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [44](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") | | Representations and warranties | Listed [17](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability") | Listed [55](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") | | Surety bonds | Not listed | Listed [53](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") | | Technology errors and omissions | Listed [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") | Listed [39](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Tools, equipment and inland marine | Not listed | Listed [57](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") | | Trucking | Not listed | Listed [49](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | | Umbrella and excess liability | Listed [18](https://www.cfc.com/en-us/products/class/excess-umbrella/ "Umbrella cover") | Listed [56](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | | Virtual care and telehealth | Listed [19](https://www.cfc.com/en-us/products/industry/ehealth/ "Digital health insurance") | Listed [60](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") | | Workers’ compensation | Not listed | Listed [46](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between CFC and HUB International ### HUB’s Entry Route Depends on the Size of the Inquiry HUB’s contact flow sends businesses with 50 employees or fewer or under $5 million in revenue toward Insureon’s online quote. Other commercial inquiries go to a HUB team or office. CFC Connect is a broker portal with an appointment process; its technology application is returned to a broker. These are different access paths, not evidence of different binding speeds. [37](https://www.hubinternational.com/contact-us/ "Contact Us") [6](https://www.cfc.com/en-us/connect/ "Connect broker trading portal") [3](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4") Insureon is part of HUB, and TechInsurance describes itself as part of Insureon. Comparing HUB, Insureon and TechInsurance inquiries therefore does not automatically create three independent brokerage relationships. Ask which legal entity and account team would represent the business before counting how many markets have been approached. [63](https://www.insureon.com/about-us "About Insureon") [64](https://www.insureon.com/legal/licenses "Insurance Licenses by State") [66](https://www.techinsurance.com/about-us "About Us | TechInsurance") ### A Technology Product and a Technology Account Plan Answer Different Questions CFC’s technology brochure describes combined E&O, cyber, media/IP and general liability features. HUB’s technology practice lists insurance and people-related needs, including technology E&O, D&O, workers’ compensation and benefits. The meaningful comparison is the CFC policy proposal against the specific policies HUB obtains, with HUB’s additional coordination work evaluated separately. [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [39](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") Do not read HUB’s unusual “patent package” label as proof of patent infringement insurance: the reviewed public documentation scopes that label to a property, auto, liability and umbrella grouping. CFC separately markets an IP product, which likewise needs its own terms rather than assumptions based on a technology package’s media/IP wording. [39](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [14](https://www.cfc.com/en-us/products/class/intellectual-property/ "Intellectual property insurance") ### Brokerage Economics Require an Account-Level Explanation HUB discloses commissions, possible client fees, affiliate wholesale compensation and enhanced compensation from strategic carriers. That disclosure helps frame questions about market selection; it does not establish the cost of a startup’s account. The reviewed CFC sources do not publish an equivalent buyer fee or commission schedule, so a CFC proposal also needs an itemized explanation from the placing broker. [36](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") The reviewed U.S. technology brochure, application and Connect page do not disclose a buyer-specific premium, producer commission rate, broker fee or complete schedule of policy charges. Request a written breakdown of premium, taxes, fees and intermediary compensation before purchase. [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [3](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4") [6](https://www.cfc.com/en-us/connect/ "Connect broker trading portal") (Evidence: Not publicly disclosed; scope: Only the listed US technology and broker-process sources; no inference of free service or zero commission. Australian and unrelated Irish CFC disclosures are not US pricing evidence.; verified: 2026-09-16.) HUB’s San Francisco presence is not proof of the contracting producer or California product availability. CFC’s disclosed California producer route also leaves the technology product and issuer unresolved. Name those entities in the proposal rather than relying on either brand’s geographic presence. [34](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [30](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") ## What to Confirm in Quotes - Will the account be handled by a HUB office or Insureon, and which legal entity, broker-of-record agreement and service team apply? - Which actual technology forms and insurers are being compared, and is patent coverage being requested explicitly? - What retail, wholesale, carrier-related and client-paid compensation applies, and what servicing is included? ## Service Comparison CFC vs HUB International: documented services and availability. | Criteria | CFC | HUB International | | --- | --- | --- | | Business role | CFC is a specialist insurance provider operating an MGA model: a managing general agent performs underwriting functions for insurance capacity providers. Its disclosures identify CFC Underwriting Limited and the U.S. producer CFC USA, Inc.; the CFC brand should not be treated as the name of every policy’s insurer. [5](https://www.cfc.com/en-us/company/ "About CFC") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.) | HUB International Limited describes itself as a full-service insurance broker and financial-services firm. Its website terms say HUB’s subsidiaries are licensed as insurance brokers or agents in various U.S. states and Canadian provinces. The reviewed product pages market brokerage of policies issued by insurers, not HUB as a risk-bearing carrier for those policies. [33](https://www.hubinternational.com/about-us/ "About Us") [34](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [38](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") (Evidence: Company-reported; scope: Brand and parent identity as of 16 September 2026. Does not identify which subsidiary would appear on a California producer license or policy declarations.; verified: 2026-09-16.)

HUB’s About Us timeline states that in 2022 it acquired Insureon for digital delivery of small-business commercial insurance. Insureon and TechInsurance say they are part of HUB; Insureon says it operates as a division of Specialty Program Group LLC, doing business as SPG Insurance Solutions. TechInsurance describes itself as part of Insureon rather than as a separate HUB retail office. [33](https://www.hubinternational.com/about-us/ "About Us") [63](https://www.insureon.com/about-us "About Insureon") [64](https://www.insureon.com/legal/licenses "Insurance Licenses by State") [65](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") [66](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 | The U.S. technology application asks a senior staff member to complete it and return it to the company’s insurance broker. It requests revenue, funding, subsidiaries, products, major contracts, security controls, IP procedures and claims history. CFC’s Connect portal separately supports broker trading and describes a broker appointment process. [3](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4") [6](https://www.cfc.com/en-us/connect/ "Connect broker trading portal") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.) | On hubinternational.com, commercial buyers are asked to contact a broker, connect with a specialist, or use Contact Us. Small-commercial inquiries meeting HUB’s stated size tests go to Insureon for an online quote. Product pages such as general liability, D&O, cyber and workers’ compensation use “Contact Us” or “Connect With a Broker” rather than an on-site bind flow. Privacy policy language refers to automation for insurance quoting, without documenting a public HUB retail e-commerce checkout for mid-market programs. [37](https://www.hubinternational.com/contact-us/ "Contact Us") [40](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [41](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [42](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [39](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [35](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.) | | Access to insurers | CFC’s regulatory page identifies Lloyd’s Syndicate 1988, managed by Asta Managing Agency Ltd. The reviewed U.S. technology materials do not name the insurer or participating syndicates for a California buyer’s actual policy; ask for those names on the quote and declarations. [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [3](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4") (Evidence: Not publicly disclosed; scope: Technology coverage for a California applicant; Syndicate 1988 is not assigned to every CFC policy.; verified: 2026-09-16.) | HUB’s compensation page says it has access to the products and services of hundreds of insurers and that it focuses on a smaller set of “Strategic Carriers,” which may pay enhanced compensation. Property, casualty and marine pages refer to domestic, national, regional, specialty and global carrier relationships without publishing a complete appointment list. ProEx says it places more than $2 billion of premium with top-rated insurance carriers; that volume and rating language is company-reported and does not name the carriers. Issuing insurers therefore have to be taken from a quote, not from the public catalogue. [36](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") [48](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [56](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [57](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [45](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: No verified HUB-wide carrier panel. Strategic-carrier focus is a compensation and placement practice, not a finding that only those markets are used.; verified: 2026-09-16.)

Insureon says it has access to 100+ insurance providers and names The Hartford, Chubb, Hiscox, Liberty Mutual and Travelers as examples. Those names are Insureon’s examples for its digital agency, not a statement that every HUB retail placement uses the same insurers, and they do not identify the issuing company on a particular policy. [63](https://www.insureon.com/about-us "About Insureon") (Evidence: Company-reported; scope: Insureon About Us examples only. Availability varies by product, state and underwriting.; verified: 2026-09-16.) | | Fees and compensation | The reviewed U.S. technology brochure, application and Connect page do not disclose a buyer-specific premium, producer commission rate, broker fee or complete schedule of policy charges. Request a written breakdown of premium, taxes, fees and intermediary compensation before purchase. [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [3](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4") [6](https://www.cfc.com/en-us/connect/ "Connect broker trading portal") (Evidence: Not publicly disclosed; scope: Only the listed US technology and broker-process sources; no inference of free service or zero commission. Australian and unrelated Irish CFC disclosures are not US pricing evidence.; verified: 2026-09-16.) | HUB’s How We Get Paid page says it is compensated primarily through insurer-paid commissions included in premium, and also through contingent income, guaranteed supplemental commissions, and, on some complex programs, client-paid fees disclosed in a proposal, sometimes in addition to commission. It owns wholesale brokerages that may earn a second commission when HUB retail uses them. It may receive fees for de-identified data under insurer consulting agreements, premium-finance administration, interest on fiduciary accounts, and policy or claims administration. Strategic Carriers may pay enhanced compensation, part of which may incentivize employees to prioritize those markets. No schedule of commission percentages or standard fees is published. [36](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") (Evidence: Company-reported; scope: Firmwide compensation disclosure. Amounts for a given account are not disclosed on the public page.; verified: 2026-09-16.) | ## Related Reading - [What Is CFC Insurance?](https://spot.insure/insurance-providers/cfc) - [What Is HUB International?](https://spot.insure/insurance-providers/hub-international) ## Related Comparisons - [Alliance Risk vs CFC](https://spot.insure/compare/alliance-risk-vs-cfc) - [Alliance Risk vs HUB International](https://spot.insure/compare/alliance-risk-vs-hub-international) - [Amelia Risk vs CFC](https://spot.insure/compare/amelia-risk-vs-cfc) - [Amelia Risk vs HUB International](https://spot.insure/compare/amelia-risk-vs-hub-international) - [Armilla vs CFC](https://spot.insure/compare/armilla-vs-cfc) - [Armilla vs HUB International](https://spot.insure/compare/armilla-vs-hub-international) - [At-Bay vs CFC Insurance](https://spot.insure/compare/at-bay-vs-cfc) - [At-Bay vs HUB International Insurance](https://spot.insure/compare/at-bay-vs-hub-international) - [Beazley vs CFC](https://spot.insure/compare/beazley-vs-cfc) - [Beazley vs HUB International](https://spot.insure/compare/beazley-vs-hub-international) - [CFC vs Chubb](https://spot.insure/compare/cfc-vs-chubb) - [CFC vs Coalition](https://spot.insure/compare/cfc-vs-coalition) - [CFC vs Corgi](https://spot.insure/compare/cfc-vs-corgi) - [CFC vs Coterie](https://spot.insure/compare/cfc-vs-coterie) - [CFC vs Coverdash](https://spot.insure/compare/cfc-vs-coverdash) - [CFC vs Cowbell](https://spot.insure/compare/cfc-vs-cowbell) - [CFC vs Embroker](https://spot.insure/compare/cfc-vs-embroker) - [CFC vs Founder Shield](https://spot.insure/compare/cfc-vs-foundershield) - [CFC vs Gallagher](https://spot.insure/compare/cfc-vs-gallagher) - [CFC vs Harper](https://spot.insure/compare/cfc-vs-harper) - [CFC vs Heffernan](https://spot.insure/compare/cfc-vs-heffernan) - [CFC vs Hiscox](https://spot.insure/compare/cfc-vs-hiscox) - [CFC vs Kinro](https://spot.insure/compare/cfc-vs-kinro) - [CFC vs Layr](https://spot.insure/compare/cfc-vs-layr) - [CFC vs Lockton](https://spot.insure/compare/cfc-vs-lockton) - [CFC vs Marsh](https://spot.insure/compare/cfc-vs-marsh) - [CFC vs Mylo](https://spot.insure/compare/cfc-vs-mylo) - [CFC vs Newfront](https://spot.insure/compare/cfc-vs-newfront) - [CFC vs ERGO NEXT](https://spot.insure/compare/cfc-vs-next-insurance) - [CFC vs Pie Insurance](https://spot.insure/compare/cfc-vs-pie-insurance) - [CFC vs Relm Insurance](https://spot.insure/compare/cfc-vs-relm) - [CFC vs Resilience](https://spot.insure/compare/cfc-vs-resilience) - [CFC vs RiskCube](https://spot.insure/compare/cfc-vs-riskcube) - [CFC vs Risklytics](https://spot.insure/compare/cfc-vs-risklytics) - [CFC vs StartupInsurance.ai](https://spot.insure/compare/cfc-vs-startupinsurance) - [CFC vs TechInsurance](https://spot.insure/compare/cfc-vs-techinsurance) - [CFC vs The Hartford](https://spot.insure/compare/cfc-vs-the-hartford) - [CFC vs Travelers](https://spot.insure/compare/cfc-vs-travelers) - [CFC vs USI Insurance Services](https://spot.insure/compare/cfc-vs-usi) - [CFC vs Vouch](https://spot.insure/compare/cfc-vs-vouch) - [CFC vs WithCoverage](https://spot.insure/compare/cfc-vs-withcoverage) - [Chubb vs HUB International](https://spot.insure/compare/chubb-vs-hub-international) - [Coalition vs HUB International](https://spot.insure/compare/coalition-vs-hub-international) - [Corgi vs HUB International](https://spot.insure/compare/corgi-vs-hub-international) - [Coterie vs HUB International](https://spot.insure/compare/coterie-vs-hub-international) - [Coverdash vs HUB International](https://spot.insure/compare/coverdash-vs-hub-international) - [Cowbell vs HUB International](https://spot.insure/compare/cowbell-vs-hub-international) - [Embroker vs HUB International](https://spot.insure/compare/embroker-vs-hub-international) - [Founder Shield vs HUB International](https://spot.insure/compare/foundershield-vs-hub-international) - [Gallagher vs HUB International](https://spot.insure/compare/gallagher-vs-hub-international) - [Harper vs HUB International](https://spot.insure/compare/harper-vs-hub-international) - [Heffernan vs HUB International](https://spot.insure/compare/heffernan-vs-hub-international) - [Hiscox vs HUB International](https://spot.insure/compare/hiscox-vs-hub-international) - [HUB International vs Kinro](https://spot.insure/compare/hub-international-vs-kinro) - [HUB International vs Layr](https://spot.insure/compare/hub-international-vs-layr) - [HUB International vs Lockton](https://spot.insure/compare/hub-international-vs-lockton) - [HUB International vs Marsh](https://spot.insure/compare/hub-international-vs-marsh) - [HUB International vs Mylo](https://spot.insure/compare/hub-international-vs-mylo) - [HUB International vs Newfront](https://spot.insure/compare/hub-international-vs-newfront) - [HUB International vs NEXT Insurance](https://spot.insure/compare/hub-international-vs-next-insurance) - [HUB International vs Pie Insurance](https://spot.insure/compare/hub-international-vs-pie-insurance) - [HUB International vs Relm Insurance](https://spot.insure/compare/hub-international-vs-relm) - [HUB International vs Resilience](https://spot.insure/compare/hub-international-vs-resilience) - [HUB International vs RiskCube](https://spot.insure/compare/hub-international-vs-riskcube) - [HUB International vs Risklytics](https://spot.insure/compare/hub-international-vs-risklytics) - [HUB International vs StartupInsurance.ai](https://spot.insure/compare/hub-international-vs-startupinsurance) - [HUB International vs TechInsurance](https://spot.insure/compare/hub-international-vs-techinsurance) - [HUB International vs The Hartford](https://spot.insure/compare/hub-international-vs-the-hartford) - [HUB International vs Travelers](https://spot.insure/compare/hub-international-vs-travelers) - [HUB International vs USI](https://spot.insure/compare/hub-international-vs-usi) - [HUB International vs Vouch](https://spot.insure/compare/hub-international-vs-vouch) - [HUB International vs WithCoverage](https://spot.insure/compare/hub-international-vs-withcoverage) ## Sources ### [CFC Official Website](https://www.cfc.com/en-us/) 1. [Technology](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16. 2. [Technology — United States product brochure](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). CFC; Page 1: coverage sections; Response app highlights; Limits and deductibles. Accessed 2026-09-16. 3. [Technology companies — US application v2.4](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf). CFC; Pages 1–8: completion instructions and Sections 1–8. Accessed 2026-09-16. 4. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd’s Syndicate 1988; CFC USA Inc.. Accessed 2026-09-16. 5. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16. 6. [Connect broker trading portal](https://www.cfc.com/en-us/connect/). CFC; Get started; Products traded on Connect; FAQs: broker appointment. Accessed 2026-09-16. 7. [CFC Response](https://www.cfc.com/en-us/response/). CFC; Proactive protection; Immediate response; Real-time support. Accessed 2026-09-16. 8. [Notify a claim or cyber incident](https://www.cfc.com/en-us/claims/). CFC; General enquiries or claims; Experiencing a cyber incident now?. Accessed 2026-09-16. 9. [Cyber insurance — US](https://www.cfc.com/en-us/products/class/cyber-insurance/). CFC; Cyber Proactive Response; Cyber (admitted); Corporate cyber; Cyber excess. Accessed 2026-09-16. 10. [Management liability](https://www.cfc.com/en-us/products/class/management-liability/). CFC; Management liability; Side A DIC. Accessed 2026-09-16. 11. [Management liability — United States product brochure](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf). CFC; Page 1: coverage; What we decline; Management liability. Accessed 2026-09-16. 12. [Professional liability](https://www.cfc.com/en-us/products/class/professional-liability/). CFC; Our professional liability products; Professional liability (admitted). Accessed 2026-09-16. 13. [Property & casualty](https://www.cfc.com/en-us/products/class/property-casualty/). CFC; Property & casualty product. Accessed 2026-09-16. 14. [Intellectual property insurance](https://www.cfc.com/en-us/products/class/intellectual-property/). CFC; Intellectual property product; Key features; Defense; Pursuit of infringers. Accessed 2026-09-16. 15. [Kidnap and ransom](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/). CFC; Kidnap & ransom product and Key features. Accessed 2026-09-16. 16. [Product recall](https://www.cfc.com/en-us/products/class/product-recall/). CFC; Contaminated product recall; Product recall. Accessed 2026-09-16. 17. [Transaction liability](https://www.cfc.com/en-us/products/class/transaction-liability/). CFC; Transaction liability; Seller protect; Buyer protect; Secondary liquidity solutions; Limit & appetite. Accessed 2026-09-16. 18. [Umbrella cover](https://www.cfc.com/en-us/products/class/excess-umbrella/). CFC; Umbrella cover product description. Accessed 2026-09-16. 19. [Digital health insurance](https://www.cfc.com/en-us/products/industry/ehealth/). CFC; eHealth product; Telemedicine; mHealth; Artificial intelligence; Remote patient monitoring. Accessed 2026-09-16. 20. [Medical malpractice](https://www.cfc.com/en-us/products/class/medical-malpractice/). CFC; Our medical malpractice products. Accessed 2026-09-16. 21. [Media & entertainment](https://www.cfc.com/en-us/products/industry/media-entertainment/). CFC; Media product description. Accessed 2026-09-16. 22. [Life science](https://www.cfc.com/en-us/products/industry/life-science/). CFC; Life sciences; Nutraceuticals; What does CFC’s life science policy cover?. Accessed 2026-09-16. 23. [Fintech insurance](https://www.cfc.com/en-us/products/industry/fintech/). CFC; Fintech product; What does CFC’s fintech policy cover?. Accessed 2026-09-16. 24. [Financial institutions](https://www.cfc.com/en-us/products/industry/financial-institutions/). CFC; Financial institutions professional indemnity; Investment managers; SME banks. Accessed 2026-09-16. 25. [Carbon insurance](https://www.cfc.com/en-us/products/class/carbon-insurance/). CFC; Carbon delivery; Carbon cancellation; Carbon lender non-payment; CORSIA guarantee. Accessed 2026-09-16. 26. [Safeprotect misconduct liability](https://www.cfc.com/en-us/products/class/safeprotect-misconduct-liability/). CFC; Safeprotect product; Praesidium services. Accessed 2026-09-16. 27. [Terrorism](https://www.cfc.com/en-us/products/class/terrorism/). CFC; Introduction: standalone terrorism policy. Accessed 2026-09-16. 28. [Marine](https://www.cfc.com/en-us/products/industry/marine/). CFC; Introduction: hull war and marine kidnap & ransom. Accessed 2026-09-16. 29. [CFC launches admitted offerings for professional liability and technology E&O](https://www.cfc.com/en-us/knowledge/news/2023/03/cfc-launches-admitted-offerings-for-professional-liability-and-technology-eo/). CFC; 21 March 2023 announcement: admitted technology E&O; broker quote, bind and adjustment process. Accessed 2026-09-16. ### [HUB International Official Website](https://www.hubinternational.com) 30. [Insurance Broker San Francisco](https://www.hubinternational.com/offices/us/california/san-francisco/). HUB International; JSON-LD InsuranceAgency record naming HUB International Limited as parent; About Us office copy for 201 Mission Street; products and industries blocks. Accessed 2026-09-16. 31. [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. 32. [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. 33. [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. 34. [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. 35. [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. 36. [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. 37. [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. 38. [Business Insurance Broker Coverage Policy](https://www.hubinternational.com/products/business-insurance/). HUB International; Essential coverage and beyond-the-basics product catalogue. Accessed 2026-09-16. 39. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Startup and software/hardware/digital-media audience; listed business and people coverages; claimed technology-client count. Accessed 2026-09-16. 40. [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. 41. [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. 42. [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. 43. [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. 44. [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. 45. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; Professional & Executive Risk practice: EPL, fiduciary, crime/fidelity, K&R; certificates of insurance; claims and legal support; carrier-premium claim. Accessed 2026-09-16. 46. [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. 47. [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. 48. [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. 49. [Commercial Auto Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/commercial-auto/). HUB International; Commercial auto and trucking insurance; hired and non-owned exposures. Accessed 2026-09-16. 50. [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. 51. [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. 52. [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. 53. [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. 54. [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. 55. [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. 56. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). HUB International; General and product liability, umbrella and excess, workers’ compensation, product recall ancillary, global carrier relationships. Accessed 2026-09-16. 57. [Marine Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/marine-insurance/). HUB International; Ocean and inland marine, cargo and related marine liability coverages; domestic and international carriers. Accessed 2026-09-16. 58. [Boiler and Machinery Equipment Insurance Coverage](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/). HUB International; Equipment breakdown / boiler and machinery product page. Accessed 2026-09-16. 59. [Employee Benefits Brokers and Consulting Services](https://www.hubinternational.com/products/employee-benefits/). HUB International; Employee-benefits brokerage and multi-year planning services. Accessed 2026-09-16. 60. [Virtual Care Insurance Brokerage Coverage](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/). HUB International; Virtual care medical professional liability, technology E&O, products liability, cyber and management liability list. Accessed 2026-09-16. 61. [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. 62. [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. 63. [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. 64. [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. 65. [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. 66. [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. 67. [California Department of Insurance License Status Inquiry](https://cdicloud.insurance.ca.gov/cal). California Department of Insurance; Public license-search portal landing page; interactive search was not completed to a verifiable license record in this research. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/cfc-vs-hub-international.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)