---
title: "Chubb vs HUB International: Builders Risk Insurance"
description: "Chubb offers project and master builders-risk policies with delay-in-opening cover; HUB pairs brokered coverage with security, leak-detection and fire-coating vendors for construction sites."
canonical: "https://spot.insure/compare/chubb-vs-hub-international/builders-risk"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "chubb-vs-hub-international"
provider-a: "chubb"
provider-b: "hub-international"
coverage-line: "builders-risk"
---

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[Human-readable page](https://spot.insure/compare/chubb-vs-hub-international/builders-risk)

## Agent Guide

**What this page is:** Focused comparison of Chubb and HUB International for Builders Risk Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Builders Risk Insurance questions about Chubb versus HUB International. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Chubb vs HUB International for Builders Risk Insurance: how do they differ?
- Which is better for Builders Risk Insurance, Chubb or HUB International?
- What does Chubb or HUB International publish about Builders Risk Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Builders Risk Insurance. Providers: Chubb and HUB International.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Chubb vs HUB International](https://spot.insure/compare/chubb-vs-hub-international) — all coverage lines for this pair
- [Builders Risk Insurance guide](https://spot.insure/coverage/builders-risk) — how this coverage works
- [Chubb profile](https://spot.insure/insurance-providers/chubb) — provider profile
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile

# Chubb vs HUB International: How Do They Compare for Builders Risk Insurance?

HUB International brokers builders risk with site-security and leak-detection vendors; Chubb underwrites it directly, with delay-in-opening and green endorsements for contractors and homebuilders.

Chubb lists delay-in-opening cover and master programs; HUB pairs builders risk with site security and mitigation vendors.

## Chubb vs HUB International Builders Risk Insurance Summary

Chubb offers project and master builders-risk policies with delay-in-opening cover; HUB pairs brokered coverage with security, leak-detection and fire-coating vendors for construction sites. [1](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") [2](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [3](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions")

## What Are the Key Differences Between Chubb and HUB International Builders Risk Insurance?

### Carrier Versus Brokered Mitigation Package

HUB markets to project owners, general contractors and developers and says its program addresses theft, fire and water damage. Its security, leak-detection and fire-coating vendors target jobsite hazards; Chubb lists delay-in-opening and master-program options. [2](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [3](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") [1](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance")

### What Each Side Names on Coverage

Chubb lists Individual Project and Master Programs, difference-in-conditions, physical damage and delay-in-opening, international builders risk for U.S. clients, green endorsements, and contract-penalty coverage after a covered physical-damage loss. HUB describes protection for property used in construction, installation and renovation against theft, fire and water damage during the build. [1](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") [2](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy")

### Site Services and Consulting

HUB says third-party vendors handle site security, automated leak detection and fire-resistant coatings, and that a mobile app shows carrier underwriting requirements. Chubb describes loss-control and risk-consulting services that can be bundled or unbundled, not a vendor-run leak-detection program. [2](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [3](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") [1](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance")

### Who the Offering Is Aimed At

Chubb targets contractors, developers, owners or homebuilders with an active construction program and a strong property-preservation approach. HUB markets the solution to project owners, general contractors and developers of both frame and non-frame work. [1](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") [3](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions")

## What Should You Confirm in Chubb and HUB International Builders Risk Insurance Quotes?

- Ask whether delay-in-opening or a master program is on the Chubb quote, and which insurer HUB would place. [1](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") [2](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy")
- Get HUB to name which mitigation vendors and app access are included with the policy, and what Chubb’s loss-control engagement looks like. [2](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [1](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance")
- Confirm frame versus non-frame treatment on the HUB placement and whether Chubb would write the project as primary, quota share or excess. [3](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") [1](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance")
- Neither side publishes dollar limits on the reviewed pages; record limits and deductibles from the quote. [1](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") [2](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy")

## Chubb vs HUB International Builders Risk Insurance Compared

| Criteria | Chubb Builders' Risk Insurance | HUB Builder's Risk Insurance Solutions |
| --- | --- | --- |
| Who It’s For | Chubb targets contractors, developers, owners or homebuilders with an active construction program and a strong property-preservation management approach. [1](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") (Evidence: Company-reported; scope: Target clients section..) | HUB markets this solution to project owners, general contractors and developers of both frame and non-frame construction projects. [3](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") (Evidence: Company-reported; scope: Launch press release target-market description..) |
| How to Apply | Chubb says submissions should include a project description, statement of values, locations, limits and coverage requirements, plus a breakdown of soft costs, pro forma and period of indemnity if delay-in-opening coverage is requested. [1](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") (Evidence: Company-reported; scope: Submission requirements section..) | HUB directs prospects to connect with a broker or its construction insurance specialists for a project-specific assessment; no online quote flow is described. [2](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23..) |
| Coverage Features | Chubb offers Individual Project Builders Risk and Master Programs, difference-in-conditions coverage for selected construction projects, both physical-damage and delay-in-opening coverage, International Builders Risk for U.S. domestic clients, a portfolio of green endorsements, and contract-penalty coverage tied to a covered physical-damage loss. [1](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") (Evidence: Company-reported; scope: Coverage list; subject to the policy as issued..) | HUB describes builder's risk coverage for property used in construction, installation and renovation projects, protecting against theft, fire and water damage during the build. [2](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") (Evidence: Company-reported; scope: Product-page coverage description; the issued policy and its exclusions control an actual claim..) |
| Role in This Line | Chubb underwrites builders' risk insurance directly for commercial and residential contractors and for engineering construction such as bridges and tunnels. [1](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") (Evidence: Company-reported; scope: Builders' Risk Insurance product page..) | HUB brokers builder's risk insurance and bundles it with a coordinated mitigation program rather than underwriting the policy itself. [2](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [3](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") (Evidence: Company-reported; scope: Builder's risk product page and 2024 launch press release, as read 2026-09-23; neither names an issuing insurer..) |
| Risk Services | Chubb offers loss-control and risk-consulting services on both a bundled and unbundled basis, with underwriters averaging more than 20 years of builders-risk experience. [1](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") (Evidence: Company-reported; scope: Coverage list Benefits section..) | HUB says it pairs the policy with third-party vendors for site security, automated leak detection and fire-resistant coatings, plus a mobile app that shows carrier underwriting requirements, run by its construction insurance specialists. [2](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [3](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") (Evidence: Company-reported; scope: Product-page and press-release service description; a company-reported program, not an independently assessed outcome..) |

## About Chubb and HUB International and Builders Risk Insurance

- [Chubb company profile](https://spot.insure/insurance-providers/chubb) · [Chubb customer reviews](https://spot.insure/insurance-providers/chubb/reviews)
- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [What Is Builders Risk Insurance?](https://spot.insure/coverage/builders-risk)

## Related Pages for Chubb vs HUB International Builders Risk Insurance

- [Chubb vs HUB International](https://spot.insure/compare/chubb-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Builders Risk Insurance?](https://spot.insure/coverage/builders-risk): Builders risk insures a building and its materials against physical loss while it is under construction, but stored or in-transit materials, the existing structure in a renovation, and early occupancy can fall outside it.
- [Chubb Builders Risk Insurance](https://spot.insure/insurance-providers/chubb/builders-risk)
- [HUB International Builders Risk Insurance](https://spot.insure/insurance-providers/hub-international/builders-risk)

## Sources for Chubb vs HUB International Builders Risk Insurance

### Sources About Chubb

1. [Builders' Risk Insurance](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html). Chubb; Coverage list: Individual Project and Master Programs, DIC, physical damage and delay in opening, International Builders Risk; Target clients; Submission requirements. Accessed 2026-09-23.

### Sources About HUB International

2. [Builder's Risk Insurance Broker & Coverage Policy](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/). HUB International; Coverage description for construction, installation and renovation projects; site security, water protection and fire resistance mitigation components; proprietary mobile app; frame and non-frame construction; Connect With a Broker. Accessed 2026-09-23.
3. [HUB International Launches Builder's Risk Insurance Solutions](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/). HUB International; February 22, 2024 announcement naming project owners, general contractors and developers of frame and non-frame projects as the target market; third-party mitigation vendor coordination. Accessed 2026-09-23.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](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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