--- title: "Coalition vs HUB International" description: "Compare a Coalition cyber and Tech E&O placement with HUB’s advisor and Insureon small-commercial routes." canonical: "https://spot.insure/compare/coalition-vs-hub-international" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Coalition", "HUB International"] --- [Human-readable page](https://spot.insure/compare/coalition-vs-hub-international) # Coalition vs HUB International Compare a Coalition cyber and Tech E&O placement with HUB’s advisor and Insureon small-commercial routes. ## Research Scope and Use Use this comparison to evaluate Coalition and HUB International against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights Coalition provides cyber and Tech E&O through appointed brokers. HUB International arranges broader insurance and benefits programs, routing qualifying small-commercial inquiries to Insureon. A founder should establish which HUB route and team will handle the account before comparing the proposed cyber policy. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [13](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") [26](https://www.hubinternational.com/contact-us/ "Contact Us") [28](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") ## Introduction A startup approaching a more involved renewal may contact HUB expecting a local advisory team, while its website also provides an Insureon small-commercial route. Coalition is a product placement reached through appointed brokers. The first decision is therefore who will manage the insurance program; the second is which cyber and technology policy that process should produce. [26](https://www.hubinternational.com/contact-us/ "Contact Us") [13](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") ## Documented Provider Strengths ### Coalition - Combines Tech E&O and cyber coverage for technology businesses. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) - Control provides policyholders with monitoring, alerts and remediation guidance. [8](https://www.coalitioninc.com/control "Coalition Control") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) ### HUB International - HUB’s technology practice markets insurance and benefits programs to startups and software, hardware and digital-media companies, and says it currently insures more than 5,000 technology companies. [28](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Industry marketing page only. Does not establish California eligibility, insurer panels or policy wording for any named coverage.; verified: 2026-09-16.) - HUB routes qualifying small commercial accounts to Insureon’s online quote and other business insurance to a HUB advisor or local office; there is no published self-serve bind path for mid-market programs on hubinternational.com. [26](https://www.hubinternational.com/contact-us/ "Contact Us") [29](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [30](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [31](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [28](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [24](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | Coalition | HUB International | | --- | --- | --- | | Builders risk | Not listed | Listed [28](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Business owner’s policy | Not listed | Listed [36](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") | | Cargo and transit | Not listed | Listed [46](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [28](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Commercial auto | Not listed | Listed [38](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | | Commercial property | Not listed | Listed [37](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") | | Crime | Listed [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") | Listed [39](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [34](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Cyber liability | Listed [7](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") | Listed [31](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [28](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Directors and officers | Listed [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") | Listed [30](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [28](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Employee health and benefits | Not listed | Listed [48](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [19](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") | | Employment practices liability | Listed [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") | Listed [34](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [28](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Equipment breakdown | Not listed | Listed [47](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") | | Fidelity bonds | Not listed | Listed [34](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Fiduciary liability | Listed [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") | Listed [40](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [34](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | General liability | Not listed | Listed [29](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") | | Hired and non-owned auto | Not listed | Listed [38](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | | Key person | Not listed | Listed [28](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Kidnap and ransom | Not listed | Listed [41](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [34](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Management liability | Not listed | Listed [28](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [34](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Media liability | Listed [18](https://www.coalitioninc.com/ai-coverage "Coalition AI Coverage") | Not listed | | Medical malpractice | Not listed | Listed [43](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") | | Product liability | Not listed | Listed [45](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | | Product recall | Not listed | Listed [45](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | | Professional liability / E&O | Listed [6](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability") | Listed [32](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [33](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") | | Representations and warranties | Not listed | Listed [44](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") | | Surety bonds | Not listed | Listed [42](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") | | Technology errors and omissions | Listed [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") | Listed [28](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Tools, equipment and inland marine | Not listed | Listed [46](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") | | Trucking | Not listed | Listed [38](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | | Umbrella and excess liability | Listed [14](https://help.coalitioninc.com/hc/en-us/articles/13436025921051-Does-Coalition-offer-Excess-coverage "Does Coalition offer Excess coverage?") | Listed [45](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | | Virtual care and telehealth | Not listed | Listed [49](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") | | Workers’ compensation | Not listed | Listed [35](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between Coalition and HUB International ### The Entry Route Determines the Next Conversation HUB’s contact page says it supports small businesses through partner Insureon and directs companies with 50 employees or fewer or under $5 million in annual revenue to start with an online quote. Larger or other commercial needs are directed to HUB commercial-insurance teams or a local office search. Those thresholds are HUB’s routing rules, not a regulatory definition of small business. [26](https://www.hubinternational.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: HUB contact-us Business Solutions copy as of 16 September 2026. Actual Insureon underwriting appetite can differ by product and insurer.; verified: 2026-09-16.) HUB identifies Insureon within its corporate group, and Insureon operates as a division of Specialty Program Group. This is not evidence that every HUB office uses the same process or insurer panel. Ask which legal producer receives the inquiry and whether a specialist team will review the technology business. Coalition’s broker route is a separate access question; this comparison does not establish a HUB appointment with Coalition. [22](https://www.hubinternational.com/about-us/ "About Us") [53](https://www.insureon.com/legal/licenses "Insurance Licenses by State") [13](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") ### A Market Search Has Its Own Compensation Structure HUB says it works with hundreds of insurers while focusing on Strategic Carriers that may pay enhanced compensation. Its disclosure also covers client fees and commissions earned by owned wholesale brokers. Coalition separately discloses producer commissions and incentives. A founder comparing total placement cost should ask which intermediaries are involved and what each receives; neither brand’s general disclosure supplies an account-specific total. [25](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") [4](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation") ### Program Administration and Cyber Response Can Be Complementary HUB describes local policy review, certificate support and a tiered risk-management information system for claims and carrier data. Coalition describes Control security services and incident triage. If both an advisor and a cyber policy are involved, assign separate owners for certificates, renewal negotiation, security alerts and urgent incident notification. HUB’s advertised specialist capabilities require an engagement-level commitment; they are not automatically included because the firm markets to technology companies. [34](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [51](https://www.hubinternational.com/products/risk-services/risk-management-information-system/ "Risk Management Information System (RMIS)") [8](https://www.coalitioninc.com/control "Coalition Control") [9](https://www.coalitioninc.com/claims-experience "Cyber Insurance Claims Experience") ## What to Confirm in Quotes Request the assigned HUB or Insureon entity, account team and service scope before supplying a full renewal submission. Ask for the markets approached, any affiliate involved, the commission and fee explanation, and who will compare the technology-policy wording. Confirm the California producer and issuing insurer from the actual proposal; HUB’s office directory and Coalition’s brand name do not settle those details. [23](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [25](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") [3](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") ## Service Comparison Coalition vs HUB International: documented services and availability. | Criteria | Coalition | HUB International | | --- | --- | --- | | Business role | Coalition combines commercial insurance offerings with cyber risk-management services. In the United States, Coalition Insurance Solutions, Inc. (CIS) is the disclosed insurance producer and surplus lines broker; the issuing insurer is responsible for policy obligations. [2](https://www.coalitioninc.com/legal/licenses "Licenses and Carriers") [7](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)

Coalition lists CIS’s California producer and surplus lines license as 0L76155. This is a company disclosure; current license status has not been independently checked with the California regulator. [2](https://www.coalitioninc.com/legal/licenses "Licenses and Carriers") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)

Coalition’s legal page identifies Coalition Incident Response, Inc., doing business as Coalition Security, or independent third parties as security-service providers. Coalition Security does not provide insurance. [2](https://www.coalitioninc.com/legal/licenses "Licenses and Carriers") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) | HUB International Limited describes itself as a full-service insurance broker and financial-services firm. Its website terms say HUB’s subsidiaries are licensed as insurance brokers or agents in various U.S. states and Canadian provinces. The reviewed product pages market brokerage of policies issued by insurers, not HUB as a risk-bearing carrier for those policies. [22](https://www.hubinternational.com/about-us/ "About Us") [23](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [27](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") (Evidence: Company-reported; scope: Brand and parent identity as of 16 September 2026. Does not identify which subsidiary would appear on a California producer license or policy declarations.; verified: 2026-09-16.)

HUB’s About Us timeline states that in 2022 it acquired Insureon for digital delivery of small-business commercial insurance. Insureon and TechInsurance say they are part of HUB; Insureon says it operates as a division of Specialty Program Group LLC, doing business as SPG Insurance Solutions. TechInsurance describes itself as part of Insureon rather than as a separate HUB retail office. [22](https://www.hubinternational.com/about-us/ "About Us") [52](https://www.insureon.com/about-us "About Insureon") [53](https://www.insureon.com/legal/licenses "Insurance Licenses by State") [54](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon "Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon") [55](https://www.techinsurance.com/about-us "About Us | TechInsurance") (Evidence: Company-reported; scope: Corporate-affiliation statements. Does not establish that every HUB office places business through Insureon, or that TechInsurance is a distinct California producer.; verified: 2026-09-16.) | | Application process | Coalition directs buyers to an appointed insurance broker and offers help finding access if their broker does not offer Coalition. It describes underwriting that considers industry, finances, operations and security posture. [13](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)

Coalition’s broker instructions describe adding Tech E&O during the cyber quote process, supplying a product or service description and answering contract-related questions. Some quotes require review before a price is released. [12](https://help.coalitioninc.com/hc/en-us/articles/7665704343963-How-to-add-Tech-E-O-coverage-to-a-Coalition-quote "How to add Tech E&O coverage to a Coalition quote") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) | On hubinternational.com, commercial buyers are asked to contact a broker, connect with a specialist, or use Contact Us. Small-commercial inquiries meeting HUB’s stated size tests go to Insureon for an online quote. Product pages such as general liability, D&O, cyber and workers’ compensation use “Contact Us” or “Connect With a Broker” rather than an on-site bind flow. Privacy policy language refers to automation for insurance quoting, without documenting a public HUB retail e-commerce checkout for mid-market programs. [26](https://www.hubinternational.com/contact-us/ "Contact Us") [29](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [30](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [31](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [28](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [24](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.) | | Access to insurers | Coalition identifies Coalition Insurance Company (NAIC 29530) for admitted cyber and describes CIS as acting for unaffiliated insurers on non-admitted placements. The reviewed sources do not assign a single insurer to every California Tech E&O quote; confirm the named carrier on the quote and policy. [3](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [2](https://www.coalitioninc.com/legal/licenses "Licenses and Carriers") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) | HUB’s compensation page says it has access to the products and services of hundreds of insurers and that it focuses on a smaller set of “Strategic Carriers,” which may pay enhanced compensation. Property, casualty and marine pages refer to domestic, national, regional, specialty and global carrier relationships without publishing a complete appointment list. ProEx says it places more than $2 billion of premium with top-rated insurance carriers; that volume and rating language is company-reported and does not name the carriers. Issuing insurers therefore have to be taken from a quote, not from the public catalogue. [25](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") [37](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [45](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [46](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [34](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: No verified HUB-wide carrier panel. Strategic-carrier focus is a compensation and placement practice, not a finding that only those markets are used.; verified: 2026-09-16.)

Insureon says it has access to 100+ insurance providers and names The Hartford, Chubb, Hiscox, Liberty Mutual and Travelers as examples. Those names are Insureon’s examples for its digital agency, not a statement that every HUB retail placement uses the same insurers, and they do not identify the issuing company on a particular policy. [52](https://www.insureon.com/about-us "About Insureon") (Evidence: Company-reported; scope: Insureon About Us examples only. Availability varies by product, state and underwriting.; verified: 2026-09-16.) | | Fees and compensation | Coalition says independent producers typically receive commissions based on premium for new and renewed policies. Contingent commissions, placement incentives and compensation for certain cybersecurity sales may also apply. [4](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)

Coalition says it retains part of earned premiums to fund operations and broker commissions and receives additional carrier payments based on the portfolio’s annual loss ratio. [16](https://help.coalitioninc.com/hc/en-us/articles/7608439306907-How-does-Coalition-make-money "How does Coalition make money?") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)

The reviewed compensation disclosures do not state the commission percentage, broker fee or total premium for a particular startup quote. Obtain an itemized cost and compensation explanation from the placing broker. [4](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation") [16](https://help.coalitioninc.com/hc/en-us/articles/7608439306907-How-does-Coalition-make-money "How does Coalition make money?") (Evidence: Not publicly disclosed; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) | HUB’s How We Get Paid page says it is compensated primarily through insurer-paid commissions included in premium, and also through contingent income, guaranteed supplemental commissions, and, on some complex programs, client-paid fees disclosed in a proposal, sometimes in addition to commission. It owns wholesale brokerages that may earn a second commission when HUB retail uses them. It may receive fees for de-identified data under insurer consulting agreements, premium-finance administration, interest on fiduciary accounts, and policy or claims administration. Strategic Carriers may pay enhanced compensation, part of which may incentivize employees to prioritize those markets. No schedule of commission percentages or standard fees is published. [25](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") (Evidence: Company-reported; scope: Firmwide compensation disclosure. Amounts for a given account are not disclosed on the public page.; verified: 2026-09-16.) | | Servicing and renewals | Coalition describes Control policyholder features at no additional cost, including attack-surface monitoring, vendor-risk monitoring, vulnerability alerts and guidance. Login Security requires connecting a Microsoft or Google environment. Additional security products are promoted separately. [8](https://www.coalitioninc.com/control "Coalition Control") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)

Coalition says cyber renewals begin 90 days before expiration and follow Automatic, Express or Standard paths based on the account. Express renewals require responses; Standard renewals require a bind order and updated signed application, with additional underwriting conditions for some accounts. Automatic renewal does not guarantee an unchanged premium. [15](https://help.coalitioninc.com/hc/en-us/articles/6959642379547-How-do-Cyber-renewals-work-at-Coalition "How do Cyber renewals work at Coalition?") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) | HUB describes ongoing servicing through local account teams (ProEx notes local policy review and certificates of insurance), a Risk Management Information System for claims administration, certificate tracking and carrier/TPA data, and employee-benefits work that includes multi-year cost planning and renewal support. RMIS is described as available in various tiers. None of those pages publish a standard service-level agreement or fee for those tools. [34](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [51](https://www.hubinternational.com/products/risk-services/risk-management-information-system/ "Risk Management Information System (RMIS)") [48](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") (Evidence: Company-reported; scope: Company-described servicing capabilities. Client eligibility for RMIS or ProEx specialist teams is not defined on the public pages.; verified: 2026-09-16.) | ## Related Reading - [What Is Coalition Insurance?](https://spot.insure/insurance-providers/coalition) - [What Is HUB International?](https://spot.insure/insurance-providers/hub-international) ## Related Comparisons - [Alliance Risk vs Coalition](https://spot.insure/compare/alliance-risk-vs-coalition) - [Alliance Risk vs HUB International](https://spot.insure/compare/alliance-risk-vs-hub-international) - [Amelia Risk vs Coalition](https://spot.insure/compare/amelia-risk-vs-coalition) - [Amelia Risk vs HUB International](https://spot.insure/compare/amelia-risk-vs-hub-international) - [Armilla vs Coalition](https://spot.insure/compare/armilla-vs-coalition) - [Armilla vs HUB International](https://spot.insure/compare/armilla-vs-hub-international) - [At-Bay vs Coalition](https://spot.insure/compare/at-bay-vs-coalition) - [At-Bay vs HUB International Insurance](https://spot.insure/compare/at-bay-vs-hub-international) - [Beazley vs Coalition](https://spot.insure/compare/beazley-vs-coalition) - [Beazley vs HUB International](https://spot.insure/compare/beazley-vs-hub-international) - [CFC vs Coalition](https://spot.insure/compare/cfc-vs-coalition) - [CFC vs HUB International](https://spot.insure/compare/cfc-vs-hub-international) - [Chubb vs Coalition](https://spot.insure/compare/chubb-vs-coalition) - [Chubb vs HUB International](https://spot.insure/compare/chubb-vs-hub-international) - [Coalition vs Corgi](https://spot.insure/compare/coalition-vs-corgi) - [Coalition vs Coterie Insurance](https://spot.insure/compare/coalition-vs-coterie) - [Coalition vs Coverdash](https://spot.insure/compare/coalition-vs-coverdash) - [Coalition vs Cowbell](https://spot.insure/compare/coalition-vs-cowbell) - [Coalition vs Embroker](https://spot.insure/compare/coalition-vs-embroker) - [Coalition vs Founder Shield](https://spot.insure/compare/coalition-vs-foundershield) - [Coalition vs Gallagher](https://spot.insure/compare/coalition-vs-gallagher) - [Coalition vs Harper](https://spot.insure/compare/coalition-vs-harper) - [Coalition vs Heffernan Insurance Brokers](https://spot.insure/compare/coalition-vs-heffernan) - [Coalition vs Hiscox](https://spot.insure/compare/coalition-vs-hiscox) - [Coalition vs Kinro](https://spot.insure/compare/coalition-vs-kinro) - [Coalition vs Layr](https://spot.insure/compare/coalition-vs-layr) - [Coalition vs Lockton](https://spot.insure/compare/coalition-vs-lockton) - [Coalition vs Marsh](https://spot.insure/compare/coalition-vs-marsh) - [Coalition vs Mylo](https://spot.insure/compare/coalition-vs-mylo) - [Coalition vs Newfront](https://spot.insure/compare/coalition-vs-newfront) - [Coalition vs ERGO NEXT Insurance](https://spot.insure/compare/coalition-vs-next-insurance) - [Coalition vs Pie Insurance](https://spot.insure/compare/coalition-vs-pie-insurance) - [Coalition vs Relm Insurance](https://spot.insure/compare/coalition-vs-relm) - [Coalition vs Resilience](https://spot.insure/compare/coalition-vs-resilience) - [Coalition vs RiskCube](https://spot.insure/compare/coalition-vs-riskcube) - [Coalition vs Risklytics Insurance](https://spot.insure/compare/coalition-vs-risklytics) - [Coalition vs StartupInsurance.ai](https://spot.insure/compare/coalition-vs-startupinsurance) - [Coalition vs TechInsurance](https://spot.insure/compare/coalition-vs-techinsurance) - [Coalition vs The Hartford](https://spot.insure/compare/coalition-vs-the-hartford) - [Coalition vs Travelers Insurance](https://spot.insure/compare/coalition-vs-travelers) - [Coalition vs USI Insurance Services](https://spot.insure/compare/coalition-vs-usi) - [Coalition vs Vouch](https://spot.insure/compare/coalition-vs-vouch) - [Coalition vs WithCoverage](https://spot.insure/compare/coalition-vs-withcoverage) - [Corgi vs HUB International](https://spot.insure/compare/corgi-vs-hub-international) - [Coterie vs HUB International](https://spot.insure/compare/coterie-vs-hub-international) - [Coverdash vs HUB International](https://spot.insure/compare/coverdash-vs-hub-international) - [Cowbell vs HUB International](https://spot.insure/compare/cowbell-vs-hub-international) - [Embroker vs HUB International](https://spot.insure/compare/embroker-vs-hub-international) - [Founder Shield vs HUB International](https://spot.insure/compare/foundershield-vs-hub-international) - [Gallagher vs HUB International](https://spot.insure/compare/gallagher-vs-hub-international) - [Harper vs HUB International](https://spot.insure/compare/harper-vs-hub-international) - [Heffernan vs HUB International](https://spot.insure/compare/heffernan-vs-hub-international) - [Hiscox vs HUB International](https://spot.insure/compare/hiscox-vs-hub-international) - [HUB International vs Kinro](https://spot.insure/compare/hub-international-vs-kinro) - [HUB International vs Layr](https://spot.insure/compare/hub-international-vs-layr) - [HUB International vs Lockton](https://spot.insure/compare/hub-international-vs-lockton) - [HUB International vs Marsh](https://spot.insure/compare/hub-international-vs-marsh) - [HUB International vs Mylo](https://spot.insure/compare/hub-international-vs-mylo) - [HUB International vs Newfront](https://spot.insure/compare/hub-international-vs-newfront) - [HUB International vs NEXT Insurance](https://spot.insure/compare/hub-international-vs-next-insurance) - [HUB International vs Pie Insurance](https://spot.insure/compare/hub-international-vs-pie-insurance) - [HUB International vs Relm Insurance](https://spot.insure/compare/hub-international-vs-relm) - [HUB International vs Resilience](https://spot.insure/compare/hub-international-vs-resilience) - [HUB International vs RiskCube](https://spot.insure/compare/hub-international-vs-riskcube) - [HUB International vs Risklytics](https://spot.insure/compare/hub-international-vs-risklytics) - [HUB International vs StartupInsurance.ai](https://spot.insure/compare/hub-international-vs-startupinsurance) - [HUB International vs TechInsurance](https://spot.insure/compare/hub-international-vs-techinsurance) - [HUB International vs The Hartford](https://spot.insure/compare/hub-international-vs-the-hartford) - [HUB International vs Travelers](https://spot.insure/compare/hub-international-vs-travelers) - [HUB International vs USI](https://spot.insure/compare/hub-international-vs-usi) - [HUB International vs Vouch](https://spot.insure/compare/hub-international-vs-vouch) - [HUB International vs WithCoverage](https://spot.insure/compare/hub-international-vs-withcoverage) ## Sources ### [Coalition Official Website](https://www.coalitioninc.com/) 1. [Tech E&O Insurance Coverage](https://www.coalitioninc.com/technology-errors-and-omissions-insurance). Coalition; Who needs Technology Errors & Omissions coverage?; Coalition Advantage. Accessed 2026-09-16. 2. [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses). Coalition; Insurance Licenses: California row; Insurance Carriers; concluding disclosures. Accessed 2026-09-16. 3. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted and Non-admitted Cyber. Accessed 2026-09-16. 4. [U.S. Producer Compensation](https://www.coalitioninc.com/legal/producer-compensation). Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16. 5. [Executive Risks](https://www.coalitioninc.com/executive-risks-insurance). Coalition; Product Offering; FAQ: What type of businesses do you protect?; What resources do you have for policyholders?. Accessed 2026-09-16. 6. [Miscellaneous Professional Liability](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance). Coalition; Why Miscellaneous Professional Liability?; MPL Advantage; Broker Benefits. Accessed 2026-09-16. 7. [Active Cyber Insurance](https://www.coalitioninc.com/cyber-insurance). Coalition; Coverage Advantage: breach response, cyber extortion, business interruption. Accessed 2026-09-16. 8. [Coalition Control](https://www.coalitioninc.com/control). Coalition; How We Help; Policyholder Features; Wirespeed ADR. Accessed 2026-09-16. 9. [Cyber Insurance Claims Experience](https://www.coalitioninc.com/claims-experience). Coalition; Pre-Claims Assistance; Claims Advantage. Accessed 2026-09-16. 10. [Where does Coalition offer cyber insurance coverage?](https://help.coalitioninc.com/hc/en-us/articles/7520450985883-Where-does-Coalition-offer-cyber-insurance-coverage). Coalition; United States. Accessed 2026-09-16. 11. [Are there any differences between Coalition’s admitted and surplus lines products?](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-Are-there-any-differences-between-Coalition-s-admitted-and-surplus-lines-products). Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16. 12. [How to add Tech E&O coverage to a Coalition quote](https://help.coalitioninc.com/hc/en-us/articles/7665704343963-How-to-add-Tech-E-O-coverage-to-a-Coalition-quote). Coalition; Opening; Step 1; Step 2; Last Step. Accessed 2026-09-16. 13. [How do I qualify for and buy cyber insurance from Coalition?](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition). Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16. 14. [Does Coalition offer Excess coverage?](https://help.coalitioninc.com/hc/en-us/articles/13436025921051-Does-Coalition-offer-Excess-coverage). Coalition; What excess products does Coalition offer, and in what regions?; submissions; claims. Accessed 2026-09-16. 15. [How do Cyber renewals work at Coalition?](https://help.coalitioninc.com/hc/en-us/articles/6959642379547-How-do-Cyber-renewals-work-at-Coalition). Coalition; Opening renewal-path table; Automatic; Express; Standard. Accessed 2026-09-16. 16. [How does Coalition make money?](https://help.coalitioninc.com/hc/en-us/articles/7608439306907-How-does-Coalition-make-money). Coalition; Premium retention and carrier payments paragraphs. Accessed 2026-09-16. 17. [Active Cyber Insurance for Enterprises](https://www.coalitioninc.com/enterprise). Coalition; Introduction; closing eligibility disclaimer. Accessed 2026-09-16. 18. [Coalition AI Coverage](https://www.coalitioninc.com/ai-coverage). Coalition; Coverage in Action; Deepfake Response; final disclaimers. Accessed 2026-09-16. ### [HUB International Official Website](https://www.hubinternational.com) 19. [Insurance Broker San Francisco](https://www.hubinternational.com/offices/us/california/san-francisco/). HUB International; JSON-LD InsuranceAgency record naming HUB International Limited as parent; About Us office copy for 201 Mission Street; products and industries blocks. Accessed 2026-09-16. 20. [HUB International San Francisco 44 Montgomery Street](https://www.hubinternational.com/offices/us/california/san-francisco-44-montgomery-street/). HUB International; Office profile describing Merriwether & Williams Insurance Services history, bonding and contractor-development programs. Accessed 2026-09-16. 21. [California Insurance Brokers](https://www.hubinternational.com/offices/us/california/). HUB International; Introductory copy and listed California office directory including San Francisco locations. Accessed 2026-09-16. 22. [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. 23. [Terms and Conditions](https://www.hubinternational.com/terms-and-conditions/). HUB International; Licensing section stating subsidiaries are licensed as brokers or agents in various U.S. states and Canadian provinces. Accessed 2026-09-16. 24. [HUB International Privacy Policy](https://www.hubinternational.com/about-us/privacy-policy/). HUB International; Effective 21 August 2025; applies to HUB International Limited and subsidiaries; insurance brokerage services; automation for quoting. Accessed 2026-09-16. 25. [How We Get Paid](https://www.hubinternational.com/about-us/how-we-get-paid/). HUB International; Commission, contingency, supplemental commission, client-paid fees, wholesale, carrier-services, strategic-carrier and other-compensation sections. Accessed 2026-09-16. 26. [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. 27. [Business Insurance Broker Coverage Policy](https://www.hubinternational.com/products/business-insurance/). HUB International; Essential coverage and beyond-the-basics product catalogue. Accessed 2026-09-16. 28. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Startup and software/hardware/digital-media audience; listed business and people coverages; claimed technology-client count. Accessed 2026-09-16. 29. [General Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/general-liability/). HUB International; Product page describing typical general-liability subjects and invitation to contact a broker. Accessed 2026-09-16. 30. [Directors and Officers (D&O) Liability Insurance Broker](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/). HUB International; Product page for private, nonprofit and public-company D&O brokerage. Accessed 2026-09-16. 31. [Cyber Insurance](https://www.hubinternational.com/products/business-insurance/cyber-insurance/). HUB International; Product page describing first-party and post-breach cyber expenses as typically arranged. Accessed 2026-09-16. 32. [Professional Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/). HUB International; Product page equating professional liability with errors and omissions and describing typical claim types. Accessed 2026-09-16. 33. [Errors and Omissions (E&O) Insurance Coverage](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/). HUB International; Industries listed for E&O including technology, and statement that policies are customized. Accessed 2026-09-16. 34. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; Professional & Executive Risk practice: EPL, fiduciary, crime/fidelity, K&R; certificates of insurance; claims and legal support; carrier-premium claim. Accessed 2026-09-16. 35. [Workers' Compensation Insurance Brokers](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/). HUB International; Product page on workers’ compensation brokerage, state-fund variation and typical benefits. Accessed 2026-09-16. 36. [Business Owners Policy (BOP) Company Coverage](https://www.hubinternational.com/products/business-insurance/business-owners-policy/). HUB International; BOP described as combined property and liability for small and mid-size businesses. Accessed 2026-09-16. 37. [Commercial (Business) Property Insurance Brokers](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/). HUB International; Property Practice description, domestic and global carrier access, traditional and alternative structures. Accessed 2026-09-16. 38. [Commercial Auto Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/commercial-auto/). HUB International; Commercial auto and trucking insurance; hired and non-owned exposures. Accessed 2026-09-16. 39. [Crime Insurance Brokers](https://www.hubinternational.com/products/business-insurance/crime-insurance/). HUB International; Crime/fraud coverage product page for private, public and not-for-profit organizations. Accessed 2026-09-16. 40. [Fiduciary Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/). HUB International; Fiduciary liability product page distinguishing it from D&O. Accessed 2026-09-16. 41. [Kidnap and Ransom Insurance Brokers](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/). HUB International; Kidnap and ransom product page for traveling executives and employees. Accessed 2026-09-16. 42. [Surety Bonds and Surety Bond Insurance for Businesses](https://www.hubinternational.com/products/business-insurance/surety-bonds/). HUB International; Contract surety types including bid, performance and payment bonds. Accessed 2026-09-16. 43. [Medical Malpractice Insurance Brokers](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/). HUB International; Medical malpractice brokerage, including telemedicine-related risks. Accessed 2026-09-16. 44. [Mergers & Acquisitions (M&A) Insurance Broker](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/). HUB International; Representations and warranties, litigation buyout and tax indemnification insurance. Accessed 2026-09-16. 45. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). HUB International; General and product liability, umbrella and excess, workers’ compensation, product recall ancillary, global carrier relationships. Accessed 2026-09-16. 46. [Marine Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/marine-insurance/). HUB International; Ocean and inland marine, cargo and related marine liability coverages; domestic and international carriers. Accessed 2026-09-16. 47. [Boiler and Machinery Equipment Insurance Coverage](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/). HUB International; Equipment breakdown / boiler and machinery product page. Accessed 2026-09-16. 48. [Employee Benefits Brokers and Consulting Services](https://www.hubinternational.com/products/employee-benefits/). HUB International; Employee-benefits brokerage and multi-year planning services. Accessed 2026-09-16. 49. [Virtual Care Insurance Brokerage Coverage](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/). HUB International; Virtual care medical professional liability, technology E&O, products liability, cyber and management liability list. Accessed 2026-09-16. 50. [Insurance Claims Management](https://www.hubinternational.com/products/risk-services/claims-management/). HUB International; Claims advocacy, TPA coordination, coverage-dispute support and published process metrics. Accessed 2026-09-16. 51. [Risk Management Information System (RMIS)](https://www.hubinternational.com/products/risk-services/risk-management-information-system/). HUB International; RMIS claims administration, certificate tracking and carrier/TPA data aggregation. Accessed 2026-09-16. 52. [About Insureon](https://www.insureon.com/about-us). Insureon; Insureon as part of HUB; licensed in every state; named example insurers; 2022 acquisition history; TechInsurance origin. Accessed 2026-09-16. 53. [Insurance Licenses by State](https://www.insureon.com/legal/licenses). Insureon; California 0L09546; footer that Insureon operates as a division of Specialty Program Group LLC dba SPG Insurance Solutions. Accessed 2026-09-16. 54. [Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon). Insureon; 1 March 2022 announcement that HUB would acquire the Insureon digital agency and brand; operations to sit in Specialty Program Group LLC. Accessed 2026-09-16. 55. [About Us | TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; TechInsurance as part of Insureon; 2022 HUB acquisition of Insureon’s digital agency. Accessed 2026-09-16. 56. [California Department of Insurance License Status Inquiry](https://cdicloud.insurance.ca.gov/cal). California Department of Insurance; Public license-search portal landing page; interactive search was not completed to a verifiable license record in this research. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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/coalition-vs-hub-international.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)