Chubb vs 
HUB International Business Owner’s Policy
Chubb underwrites an eligible-small-business BOP you can quote online; HUB brokers a property-and-liability BOP through an advisor with no self-serve bind.
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. 1,2,3
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. 7,8,9
What Is a Business Owner’s Policy?
A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. 11
Key Differences in Business Owner’s Policy
Direct Chubb Paper Versus a HUB Placement
Chubb underwrites the BOP. HUB brokers business owners policies, placing a combined property-and-liability package with an insurer on the client’s behalf, and its product page does not name that insurer. 4 10
How You Buy
You can request a Chubb quote online, or an appointed agent can apply for a Chubb Appointment. HUB directs prospects to contact a HUB broker; no online quote or self-serve bind is described on the BOP page. 4 10
How Each Describes the Package
HUB describes building and business-property insurance that repairs or replaces damaged buildings, equipment, stock, furniture or fixtures, plus liability for injury or property-damage claims caused by the business or employees, with an advisor fine-tuning options. Chubb positions the BOP as a property-and-liability foundation and lists optional enhancements such as privacy and data breach, EPL, foreign liability with kidnap and ransom, equipment breakdown, water backup and crime. 10 4
Chubb reports 24/7 claims reporting for Small Commercial. HUB’s BOP page does not publish claims-hours figures. 6 10
What to Confirm in Business Owner’s Policy Quotes
Offering Details
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 |
|---|---|---|
| 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. 4Company-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. 10Company-reported. BOP product page as read 2026-09-23; the page does not name an issuing insurer. |
| Issuing Insurer | Not described in the reviewed sources. | The BOP product page does not name an issuing insurer; HUB places BOP business with insurers that vary by client and placement. 10Not found in reviewed sources. Checked the BOP product page on 2026-09-23; no carrier is disclosed there. |
| Who It’s For | Chubb says its BOP is available to small businesses with up to $30 million in revenue across more than 500 business classes, including technology, healthcare, retail, manufacturing and financial services. 4Company-reported. Chubb BOP eligibility list; a specific business's eligibility depends on underwriting. | Not described in the reviewed sources. |
| 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. 4Company-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. 10Company-reported. Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim. |
| Limits and Retentions | The reviewed BOP page does not publish specific coverage limits, sublimits or deductibles for the base policy or its enhancements. 4Not found in reviewed sources. Chubb BOP product page as read on 2026-09-23. | Published coverage limits, deductibles or premium ranges for HUB-placed BOPs were not found on the product page. 10Not publicly disclosed. Checked the BOP product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page. |
| 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. 4Company-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. 10Company-reported. Product-page marketing copy; no specific risk-control service beyond broker consultation is described. |
| 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. 4Company-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. 10Company-reported. Product-page call to action as read 2026-09-23. |
| Claims Support | Chubb reports 24/7 claims reporting and a dedicated Small Commercial claims email address, and says 93% of policyholders with a paid claim from 2022-2025 were highly satisfied with their claim experience. 6,5Company-reported. Claims and report-a-claim pages describe claims handling across Chubb's commercial book generally, not exclusively for BOP; the satisfaction figure is a company-reported survey result. | Not described in the reviewed sources. |
Full Comparison
More Chubb vs HUB International Comparisons
Other Business Owner’s Policy Comparisons
Sources
Chubb
- Insurance for Technology Companies. Chubb; Commercial package insurance section naming BOP, Benchmarq and Customarq as Chubb's three package policy options for small and midsize businesses. Accessed 2026-09-23.
- Terms Of Use. 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.
- Cyber Insurance Coverage & Products. 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.
- Business Owner's Policy (BOP) Insurance. Chubb; Chubb BOP Insurance Eligibility: up to $30M revenue, 500+ business classes; Chubb BOP Coverage Highlights: optional property and liability enhancements; Total Account Solution: umbrella, workers' compensation, commercial auto, ForeFront, Cyber ERM/DigiTech ERM. Accessed 2026-09-23.
- Report a Claim. Chubb; Email first-notice contacts, including Small Commercial claims.smallbusiness@chubb.com; phone, online and mail reporting options. Accessed 2026-09-23.
- Claims. Chubb; 24/7 claims response; 2,000+ North America Claims Professionals; 93% of clients with a paid claim highly satisfied, based on 2022-2025 survey. Accessed 2026-09-23.
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. 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.
- Business Owners Policy (BOP) Company Coverage. HUB International; BOP definition: combination of business property and liability protection for small and mid-size businesses; building and business property insurance section; business liability insurance section; related products; Connect With a Broker. Accessed 2026-09-23.
Business Owner’s Policy Guide
- Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.
