Chubb vs HUB International: How Do They Compare for Business Owner’s Policy?

Chubb underwrites its BOP directly and offers online quoting; HUB International is a broker that has prospects contact an advisor to tailor the BOP, with no self-serve flow described.

Chubb is the more direct route: businesses under $30 million in revenue in an eligible class can request a quote online and add enhancements like EPL, data breach and crime. HUB suits owners who want a broker to shop the BOP and tune coverage for them. ^1,⁵

What Are the Key Differences Between Chubb and HUB International Business Owner’s Policy?

Buying From the Insurer Versus Through a Broker

Chubb writes the BOP itself, so the company quoting you is the one that pays claims. You can request a quote online, or an agent with a Chubb appointment can quote it for you. HUB has no online quote on its BOP page; you contact a HUB broker, who places the package with an insurer the page doesn't name. Choose Chubb if you're under $30 million in revenue and want to quote without a middleman; choose HUB if you want a broker comparing insurers for you. ¹ ⁵

Optional Enhancements

Chubb lists optional enhancements you can add: privacy and data breach, EPL, foreign liability with kidnap and ransom, equipment breakdown, water backup and crime. HUB describes the core package only: building and business property for damaged buildings, equipment, stock, furniture or fixtures, plus liability for injuries or property damage your business causes, with an advisor adjusting options. ⁵ ¹

Reporting a Claim

Chubb offers 24/7 claims reporting for Small Commercial. HUB's BOP page doesn't say how claims are reported, so ask who you'll call after a loss. ⁴ ⁵

What Should You Confirm in Chubb and HUB International Business Owner’s Policy Quotes?

Ask HUB which insurer would issue the BOP. ⁵
Ask Chubb which optional enhancements are on the quote. ¹
Check that your revenue is under Chubb's $30 million limit and your class qualifies. ¹
Compare limits and deductibles on both quotes; neither page publishes them. ¹ ⁵

Chubb vs HUB International Business Owner’s Policy Compared

Chubb vs HUB International: Business Owner’s Policy: documented features by provider

Criteria	Chubb Business Owner's Policy (BOP) Insurance	HUB International Business Owners Policy Brokerage
How to Apply	You can request a Chubb BOP quote online, or an appointed independent agent or broker can apply for a Chubb Appointment to place the policy on your behalf. ¹Company-reported. Chubb BOP product page call-to-action sections for business owners and for agents and brokers.	HUB directs prospects to contact a HUB broker to get started on a BOP; no online quote or self-serve bind flow is described on the page. ⁵Company-reported. Product-page call to action as read 2026-09-23.
Coverage Features	Chubb lists optional BOP enhancements including privacy and data breach coverage, employment practices liability, foreign liability with kidnap and ransom, equipment breakdown, water backup and sump overflow, and crime coverage such as forgery and employee dishonesty. ¹Company-reported. Chubb BOP coverage-highlights list; availability of any enhancement depends on the issued policy and state.	HUB describes its BOP as combining building and business-property insurance, which repairs or replaces damaged buildings, equipment, stock, furniture or fixtures, with business liability insurance for injury or property-damage claims caused by the business or its employees. ⁵Company-reported. Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim.
Role in This Line	Chubb underwrites its Business Owner's Policy directly, combining property and liability coverage into a single package positioned as the foundation of a small business's insurance portfolio. ¹Company-reported. Chubb BOP product page; describes Chubb's own packaged small-business offering.	HUB brokers business owners policies rather than underwriting them, placing a combined property-and-liability package with an insurer on the client's behalf. ⁵Company-reported. BOP product page as read 2026-09-23; the page does not name an issuing insurer.
Risk Services	Chubb markets a 'Total Account Solution' that lets a BOP holder add umbrella, workers' compensation, commercial auto, ForeFront management liability and Cyber ERM/DigiTech ERM coverage from the same carrier. ¹Company-reported. Chubb BOP product page; each added line is underwritten and priced separately.	HUB says an advisor works with the client to fine-tune the BOP with options that fit the client's line of business, and positions the policy as a way to eliminate coverage gaps between separate property and liability policies. ⁵Company-reported. Product-page marketing copy; no specific risk-control service beyond broker consultation is described.