--- title: "Chubb vs HUB International: Business Owner’s Policy" description: "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." canonical: "https://spot.insure/compare/chubb-vs-hub-international/business-owners-policy" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "chubb-vs-hub-international" provider-a: "chubb" provider-b: "hub-international" coverage-line: "business-owners-policy" --- 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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/chubb-vs-hub-international/business-owners-policy) ## Agent Guide **What this page is:** Focused comparison of Chubb and HUB International for Business Owner’s Policy: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Business Owner’s Policy 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 Business Owner’s Policy: how do they differ? - Which is better for Business Owner’s Policy, Chubb or HUB International? - What does Chubb or HUB International publish about Business Owner’s Policy (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Business Owner’s Policy. 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 - [Business Owner’s Policy guide](https://spot.insure/coverage/business-owners-policy) — 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 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 lets businesses under $30 million in revenue request a BOP quote online with a long list of optional enhancements, while HUB requires you to go through a broker. ## Chubb vs HUB International Business Owner’s Policy Summary 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](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [5](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") ## 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](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [5](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") ### 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](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") ### 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](https://www.chubb.com/us-en/claims.html "Claims") [5](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") ## What Should You Confirm in Chubb and HUB International Business Owner’s Policy Quotes? - Ask HUB which insurer would issue the BOP. [5](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") - Ask Chubb which optional enhancements are on the quote. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") - Check that your revenue is under Chubb's $30 million limit and your class qualifies. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") - Compare limits and deductibles on both quotes; neither page publishes them. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") [5](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") ## Chubb vs HUB International Business Owner’s Policy Compared | 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. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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. [5](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: 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. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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. [5](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: 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. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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. [5](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: 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. [1](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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. [5](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: Product-page marketing copy; no specific risk-control service beyond broker consultation is described..) | ## About Chubb and HUB International and Business Owner’s Policy - [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 a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy) ## Related Pages for Chubb vs HUB International Business Owner’s Policy - [Chubb vs HUB International](https://spot.insure/compare/chubb-vs-hub-international): all coverage lines, business roles, service and claims. - [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owners policy combines property, liability and lost-income protection for eligible small businesses, while auto, workers’ compensation and professional liability may need separate coverage. - [Chubb Business Owner’s Policy](https://spot.insure/insurance-providers/chubb/business-owners-policy) - [HUB International Business Owner’s Policy](https://spot.insure/insurance-providers/hub-international/business-owners-policy) ## Sources for Chubb vs HUB International Business Owner’s Policy ### Sources About Chubb 1. [Business Owner's Policy (BOP) Insurance](https://www.chubb.com/us-en/business-insurance/chubb-bop.html). 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. 2. [Insurance for Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). 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. 3. [Report a Claim](https://www.chubb.com/us-en/claims/report-claim.html). Chubb; Email first-notice contacts, including Small Commercial claims.smallbusiness@chubb.com; phone, online and mail reporting options. Accessed 2026-09-23. 4. [Claims](https://www.chubb.com/us-en/claims.html). 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. ### Sources About HUB International 5. [Business Owners Policy (BOP) Company Coverage](https://www.hubinternational.com/products/business-insurance/business-owners-policy/). 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. 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). 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