---
title: "Chubb vs HUB International Equipment Breakdown Insurance"
description: "Chubb underwrites equipment breakdown with engineers and optional rebuild features; HUB brokers boiler and machinery in basic, broad and consequential tiers."
canonical: "https://spot.insure/compare/chubb-vs-hub-international/equipment-breakdown"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Chubb vs HUB International Equipment Breakdown Insurance

Chubb underwrites equipment breakdown with engineers and optional rebuild features; HUB brokers boiler and machinery in basic, broad and consequential tiers.

## Research Scope and Use

Use this comparison to evaluate Chubb and HUB International for Equipment Breakdown 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 underwrites equipment breakdown monoline or in a package, with engineers for jurisdictional inspections and optional Green Standards and Enhanced Safety. HUB brokers boiler and machinery as monoline or inside property, describing basic, broad and consequential-damage options and Extra Expense that excludes lost income unless combined with business income. [4](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html "Equipment Breakdown Insurance") [8](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage")

## 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 Equipment Breakdown Insurance?

Equipment breakdown insurance addresses damage from covered mechanical or electrical failures affecting business equipment. [9](https://www.iii.org/article/understanding-commercial-package-policies "Understanding Commercial Package Policies") [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Equipment Breakdown Insurance

### Who Issues the Policy

Chubb underwrites equipment breakdown on a monoline basis or as part of a package. HUB brokers boiler and machinery insurance, also as a standalone monoline policy or embedded in a client’s property policy, and the reviewed page does not name the issuing insurer. [4](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html "Equipment Breakdown Insurance") [8](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage")

### Named Coverage Options After a Breakdown

HUB describes three coverage options—basic, broad, and consequential-damage—plus Extra Expense that covers costs to keep operating during a breakdown but excludes loss of income unless combined with business income coverage. Chubb describes customizing separate higher limits or a higher blanket limit, selling ammonia contamination and food spoilage separately, and adding Green Standards (LEED or energy-efficient replacement) and Enhanced Safety (up to 25% additional limits for safer features). Both lists are optional structures, not a single default form. [8](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") [4](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html "Equipment Breakdown Insurance")

### Inspections and Claims Handling

Chubb says board-certified equipment-breakdown engineers perform required jurisdictional inspections, surveys, accident investigations, thermography and oil and vibration analysis, and that a dedicated claim unit handles losses, often with the original inspecting engineer. HUB’s boiler and machinery page does not describe engineering inspections or other line-specific risk-control or claims services. [4](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html "Equipment Breakdown Insurance") [8](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage")

## What to Confirm in Equipment Breakdown Insurance Quotes

- Ask HUB which tier is quoted and whether Extra Expense is paired with business income. [8](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage")
- Ask Chubb whether the quote is monoline or package and whether Green Standards, Enhanced Safety, ammonia or spoilage options apply. [4](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html "Equipment Breakdown Insurance")
- Confirm who inspects boilers for jurisdictional compliance on each quote. [4](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html "Equipment Breakdown Insurance") [8](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage")
- Get the issuing insurer on the HUB placement. [8](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage")

## Offering Details

| Criteria | Chubb Equipment Breakdown Insurance | HUB International Boiler and Machinery (Equipment Breakdown) Insurance Brokerage |
| --- | --- | --- |
| Role in This Line | Chubb underwrites equipment breakdown coverage directly, offered on both a monoline basis and as part of a package policy. [4](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html "Equipment Breakdown Insurance") (Evidence: Company-reported; scope: Equipment Breakdown product page..) | HUB brokers boiler and machinery (equipment breakdown) insurance, available as a standalone monoline policy or embedded within a client's property policy, rather than underwriting the coverage itself. [8](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") (Evidence: Company-reported; scope: Boiler and machinery product page, read 2026-09-23. The page does not name an issuing insurer..) |
| Issuing Insurer | Not described in the reviewed sources. | No insurer is named for equipment breakdown coverage on the product page; the carrier depends on the placement. [8](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") (Evidence: Not found in reviewed sources; scope: Checked the boiler and machinery product page on 2026-09-23..) |
| Who It’s For | Chubb lists target clients including municipalities, water and sewer utilities, wholesale and retail businesses, schools and universities, commercial and residential real estate, hospitals and nursing homes, manufacturing, food processing and cold storage, hotels, publishing, communications, life sciences and biotech, museums, and chemical manufacturers. [4](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html "Equipment Breakdown Insurance") (Evidence: Company-reported; scope: Target Client list..) | HUB targets this coverage at manufacturing companies running equipment that must operate continuously, businesses that process goods using electrical, mechanical, heating or refrigeration equipment at scale, and small businesses protecting equipment such as air conditioners, computers, refrigerators and ovens. [8](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") (Evidence: Company-reported; scope: Product-page target-market description; not a published underwriting appetite..) |
| Coverage Features | Chubb says the policy can be customized with separate, higher limits for selected coverages or a higher blanket limit, and that additional coverage such as ammonia contamination and food spoilage can be purchased separately for higher limits. [4](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html "Equipment Breakdown Insurance") (Evidence: Company-reported; scope: Coverage Highlights, Advantages section; subject to the policy as issued..)<br><br>Chubb offers a Green Standards feature to rebuild to LEED standards or replace with energy-efficient equipment after an insured loss, and an Enhanced Safety feature providing up to 25% in additional limits for rebuilding or replacing equipment with safer features. [4](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html "Equipment Breakdown Insurance") (Evidence: Company-reported; scope: Coverage Highlights, Advantages section..) | HUB says the coverage it arranges pays the costs to repair or replace equipment damaged by a sudden, unforeseen breakdown, losses from the resulting downtime, and other property damage caused by the malfunctioning equipment, and lists manufacturing equipment (boilers, generators, engines, HVAC systems, transformers) and office equipment (elevators, computers, copiers, security systems) as typical covered items. [8](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") (Evidence: Company-reported; scope: Product-page coverage description; the issued policy's definitions and exclusions control an actual claim..)<br><br>HUB describes three coverage options for equipment breakdown: basic, broad, and consequential-damage coverage for losses resulting from equipment failure, plus an Extra Expense component that covers costs to keep operating during a breakdown but excludes loss of income unless combined with business income coverage. [8](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") (Evidence: Company-reported; scope: Product-page coverage-tier description..) |
| Limits and Retentions | The reviewed page does not publish specific dollar limits; it describes "significant capacity available" and higher or blanket limits as options without naming figures. [4](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html "Equipment Breakdown Insurance") (Evidence: Not found in reviewed sources; scope: Equipment Breakdown product page as read on 2026-09-23..) | Published policy limits or retentions for equipment breakdown coverage were not found on the product page. [8](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") (Evidence: Not publicly disclosed; scope: Checked the boiler and machinery product page on 2026-09-23; limits are set on the quote and declarations..) |
| Risk Services | Chubb says its board-certified Equipment Breakdown engineers perform required jurisdictional inspections, conduct surveys and accident investigations, and provide loss-prevention services including thermography imaging and oil and vibration analysis. [4](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html "Equipment Breakdown Insurance") (Evidence: Company-reported; scope: Expert Claims Handling & Loss Control section..) | The boiler and machinery product page does not describe engineering inspections or other line-specific risk-control services. [8](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") (Evidence: Not found in reviewed sources; scope: Checked the boiler and machinery product page on 2026-09-23..) |
| How to Apply | Not described in the reviewed sources. | HUB directs prospects to "contact a HUB broker to get started" rather than an online quote or bind flow. [8](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") (Evidence: Company-reported; scope: Product-page call to action..) |
| Claims Support | Chubb says a dedicated equipment-breakdown claim unit handles losses, and that the risk engineer who conducted the original inspection often also conducts the initial loss investigation for continuity of service. [4](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html "Equipment Breakdown Insurance") (Evidence: Company-reported; scope: Expert Claims Handling & Loss Control section; company-described process, not an independently verified outcome..) | Not described in the reviewed sources. |

## Full Comparison

- [Chubb vs HUB International](https://spot.insure/compare/chubb-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Equipment Breakdown Insurance?](https://spot.insure/coverage/equipment-breakdown): Equipment breakdown insurance can help pay for damage from covered electrical or mechanical failures in the systems your business relies on.
- [Chubb vs HUB International Builders Risk Insurance](https://spot.insure/compare/chubb-vs-hub-international/builders-risk)
- [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 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 Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/equipment-breakdown)
- [Alliance Risk vs HUB International Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/equipment-breakdown)
- [Chubb vs Coverdash Equipment Breakdown Insurance](https://spot.insure/compare/chubb-vs-coverdash/equipment-breakdown)
- [Chubb vs Marsh Equipment Breakdown Insurance](https://spot.insure/compare/chubb-vs-marsh/equipment-breakdown)
- [Chubb vs Newfront Equipment Breakdown Insurance](https://spot.insure/compare/chubb-vs-newfront/equipment-breakdown)
- [Chubb vs Travelers Equipment Breakdown Insurance](https://spot.insure/compare/chubb-vs-travelers/equipment-breakdown)

## 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. [Equipment Breakdown Insurance](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html). Chubb; Coverage Highlights: Advantages and Benefits lists; Expert Claims Handling & Loss Control section; Target Client industry list. 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. [Boiler and Machinery Equipment Insurance Coverage](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/). HUB International; What is Boiler and Machinery Insurance?; What does Boiler and Machinery Insurance cover?; covered manufacturing and office equipment examples; basic, broad and consequential-damage coverage options; Extra Expense coverage description; Contact a HUB broker call to action. Accessed 2026-09-23.

### Equipment Breakdown Insurance Guide

9. [Understanding Commercial Package Policies](https://www.iii.org/article/understanding-commercial-package-policies). Insurance Information Institute; Available CPP additions: Equipment breakdown. Accessed 2026-09-16.
10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Boiler and Machinery; Commercial Property: Covered Causes of Loss; Commercial Property: Time Element; Inland Marine; Coverage Forms and/or Specialty Coverages. 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.

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