--- title: "Chubb vs HUB International Builders Risk Insurance" description: "Chubb underwrites builders' risk with delay-in-opening options; HUB brokers a policy bundled with site-mitigation vendors." canonical: "https://spot.insure/compare/chubb-vs-hub-international/builders-risk" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/chubb-vs-hub-international/builders-risk) # Chubb vs HUB International Builders Risk Insurance Chubb underwrites builders' risk with delay-in-opening options; HUB brokers a policy bundled with site-mitigation vendors. ## Research Scope and Use Use this comparison to evaluate Chubb and HUB International for Builders Risk Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Chubb writes builders' risk as the carrier, including master programs and delay-in-opening. HUB places the line with unnamed insurers and pairs it with leak detection, site security and fire-resistant coatings. [4](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") [8](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [9](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 Is Chubb? Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. [1](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [Chubb profile](https://spot.insure/insurance-providers/chubb) ## What Is HUB International? HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [5](https://www.hubinternational.com/about-us/ "About Us") [6](https://www.hubinternational.com/contact-us/ "Contact Us") [7](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [HUB International profile](https://spot.insure/insurance-providers/hub-international) ## What Is Builders Risk Insurance? Builders risk insurance addresses physical property losses during building construction. [10](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") ## Key Differences in Builders Risk Insurance ### Carrier Versus Brokered Mitigation Package Chubb underwrites builders' risk for commercial and residential contractors and for engineering construction. HUB brokers the policy and says it bundles coverage with a coordinated mitigation program rather than issuing the policy itself. [4](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") [8](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [9](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 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. [4](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") [8](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. [8](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [9](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") [4](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. [4](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") [9](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 to Confirm in Builders Risk Insurance Quotes - Ask whether delay-in-opening or a master program is on the Chubb quote, and which insurer HUB would place. [4](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") [8](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. [8](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [4](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. [9](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") [4](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. [4](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") [8](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") ## Offering Details | Criteria | Chubb Builders' Risk Insurance | HUB Builder's Risk Insurance Solutions | | --- | --- | --- | | Role in This Line | Chubb underwrites builders' risk insurance directly for commercial and residential contractors and for engineering construction such as bridges and tunnels. [4](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. [8](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [9](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..) | | Issuing Insurer | Not described in the reviewed sources. | Neither the product page nor the launch press release names an issuing insurer or carrier partner for this solution. [8](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [9](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: Not found in reviewed sources; scope: Checked both pages on 2026-09-23; the press release explicitly states it does not specify carrier partners..) | | Who It’s For | Chubb targets contractors, developers, owners or homebuilders with an active construction program and a strong property-preservation management approach. [4](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. [9](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..) | | 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. [4](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. [8](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..) | | Limits and Retentions | Chubb says it offers capacity in a variety of positions, including primary, full limit, quota share, buffer and excess layer, but the reviewed page does not publish specific dollar limits. [4](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") (Evidence: Not found in reviewed sources; scope: Coverage list and Benefits section..) | Not described in the reviewed sources. | | 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. [4](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. [8](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [9](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..) | | 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. [4](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. [8](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..) | ## Full Comparison - [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 helps protect a construction project and its materials against covered property damage while work is underway. - [Chubb vs HUB International Business Owner’s Policy](https://spot.insure/compare/chubb-vs-hub-international/business-owners-policy) - [Chubb vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/chubb-vs-hub-international/cargo-transit) - [Chubb vs HUB International Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-hub-international/commercial-auto) - [Chubb vs HUB International Commercial Property Insurance](https://spot.insure/compare/chubb-vs-hub-international/commercial-property) - [Chubb vs HUB International Crime Insurance](https://spot.insure/compare/chubb-vs-hub-international/crime) - [Chubb vs HUB International Cyber Insurance](https://spot.insure/compare/chubb-vs-hub-international/cyber) - [Chubb vs HUB International D&O Insurance](https://spot.insure/compare/chubb-vs-hub-international/directors-officers) - [Chubb vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/chubb-vs-hub-international/employment-practices) - [Chubb vs HUB International Equipment Breakdown Insurance](https://spot.insure/compare/chubb-vs-hub-international/equipment-breakdown) - [Chubb vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-hub-international/fiduciary) - [Chubb vs HUB International General Liability Insurance](https://spot.insure/compare/chubb-vs-hub-international/general-liability) - [Chubb vs HUB International Inland Marine Insurance](https://spot.insure/compare/chubb-vs-hub-international/inland-marine) - [Chubb vs HUB International Kidnap and Ransom Insurance](https://spot.insure/compare/chubb-vs-hub-international/kidnap-ransom) - [Chubb vs HUB International Management Liability Insurance](https://spot.insure/compare/chubb-vs-hub-international/management-liability) - [Chubb vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/chubb-vs-hub-international/professional-errors-omissions) - [Chubb vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/chubb-vs-hub-international/representations-warranties) - [Chubb vs HUB International Surety Bonds](https://spot.insure/compare/chubb-vs-hub-international/surety-bonds) - [Chubb vs HUB International Tech E&O Insurance](https://spot.insure/compare/chubb-vs-hub-international/technology-errors-omissions) - [Chubb vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/chubb-vs-hub-international/umbrella-excess) - [Chubb vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-hub-international/workers-compensation) - [Alliance Risk vs Chubb Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/builders-risk) - [Alliance Risk vs HUB International Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/builders-risk) - [Chubb vs Coverdash Builders Risk Insurance](https://spot.insure/compare/chubb-vs-coverdash/builders-risk) - [Chubb vs Harper Builders Risk Insurance](https://spot.insure/compare/chubb-vs-harper/builders-risk) - [Chubb vs Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/chubb-vs-heffernan/builders-risk) - [Chubb vs Marsh Builders Risk Insurance](https://spot.insure/compare/chubb-vs-marsh/builders-risk) ## Sources ### Chubb 1. [Insurance For Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16. 2. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16. 3. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16. 4. [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. ### HUB International 5. [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. 6. [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. 7. [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. 8. [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. 9. [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. ### Builders Risk Insurance Guide 10. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16. Updated 2026-09-23. 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/chubb-vs-hub-international/builders-risk.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)