--- title: "Counterpart vs HUB International: General Liability Insurance" description: "HUB brokers commercial GL for business-specific exposures; Counterpart documents professional-class companion coverage with separate limits." canonical: "https://spot.insure/compare/counterpart-vs-hub-international/general-liability" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "counterpart-vs-hub-international" provider-a: "counterpart" provider-b: "hub-international" coverage-line: "general-liability" --- 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, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot 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/counterpart-vs-hub-international/general-liability) ## Agent Guide **What this page is:** Focused comparison of Counterpart and HUB International for General Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for General Liability Insurance questions about Counterpart versus HUB International. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Counterpart vs HUB International for General Liability Insurance: how do they differ? - Which is better for General Liability Insurance, Counterpart or HUB International? - What does Counterpart or HUB International publish about General Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for General Liability Insurance from Counterpart or HUB International? **Key facts:** - Line: General Liability Insurance. Providers: Counterpart and HUB International. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Counterpart vs HUB International](https://spot.insure/compare/counterpart-vs-hub-international) — parent: all coverage lines for this pair - [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — coverage explainer for this line - [Counterpart profile](https://spot.insure/insurance-providers/counterpart) — provider profile (evidence) - [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile (evidence) - [Counterpart vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/counterpart-vs-hub-international/employment-practices) — sibling comparison (other line, or other pair for this line) - [Counterpart vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/counterpart-vs-hub-international/fiduciary) — sibling comparison (other line, or other pair for this line) - [AIG vs Counterpart General Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs HUB International General Liability Insurance](https://spot.insure/compare/aig-vs-hub-international/general-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Counterpart General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/general-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs HUB International General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/general-liability) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Counterpart General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/general-liability) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs HUB International General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/general-liability) — sibling comparison (other line, or other pair for this line) # Counterpart vs HUB International: How Do They Compare for General Liability Insurance? HUB brokers commercial GL for business-specific exposures; Counterpart documents professional-class companion coverage with separate limits. ## Research Scope and Use Use this comparison to evaluate Counterpart and HUB International for General Liability 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 HUB describes common commercial GL scenarios and placement-specific limits; Counterpart offers companion coverage for specified professional firms. [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [4](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") [9](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") ## What Is Counterpart Insurance? Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [2](https://yourcounterpart.com/about "About Counterpart") [Counterpart profile](https://spot.insure/insurance-providers/counterpart) ## What Is HUB International? HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. [6](https://www.hubinternational.com/about-us/ "About Us") [7](https://www.hubinternational.com/contact-us/ "Contact Us") [8](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [HUB International profile](https://spot.insure/insurance-providers/hub-international) ## What Is General Liability Insurance? General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. [10](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [12](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form") ## Key Differences in General Liability Insurance ### What the Published Scope Emphasizes HUB brokers GL around commercial operations such as visitor injuries, employee-caused property damage and advertising injury, with insurers varying by placement. Counterpart describes a narrower professional-class arrangement: GL can accompany its miscellaneous professional or lawyers coverage and has separate limits. A broad commercial buyer can ask HUB about site-specific exposures; professional firms should check Counterpart’s eligible classes and coordination with E&O. [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [9](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") ### Placement, Limits, and Service Details HUB says coverage amounts depend on the business and location and directs buyers to a broker, while Counterpart says brokers can quote different limits and retentions. Neither summary sets an individual schedule. Ask HUB for the carrier, per-occurrence and aggregate limits, and deductible; request Counterpart’s paired declarations. Confirm defense treatment and certificate wording against your contracts before comparing premium. [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [9](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") ## What to Confirm in General Liability Insurance Quotes - Which HUB insurer, limits and retention fit your locations and work? [9](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") - Does Counterpart’s companion program accept your class with independent GL limits? [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") ## Offering Details | Criteria | General Liability accompanying Professional Liability | HUB International General Liability Insurance Brokerage | | --- | --- | --- | | Role in This Line | Counterpart describes its insurance as distributed by a producer and surplus-lines broker through wholesale brokers. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [5](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") (Evidence: Company-reported; scope: This is the program channel, not evidence Counterpart itself bears insured liability..) | HUB brokers commercial general liability coverage rather than underwriting it itself, placing the policy with an insurer on the client's behalf. [9](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") (Evidence: Company-reported; scope: General liability product page as read on 2026-09-23; the page does not name an issuing insurer..) | | Issuing Insurer | Confirm in your quote. | The general liability product page does not name an issuing insurer; HUB places general liability business with insurers that vary by client and placement. [9](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") (Evidence: Not found in reviewed sources; scope: Checked the general liability product page on 2026-09-23; no carrier is disclosed there..) | | Who It’s For | The cited pages describe separate GL companion arrangements for miscellaneous professional firms and law firms. [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [4](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") (Evidence: Company-reported; scope: The class scope on these product pages does not establish availability to other businesses or in every state..) | Confirm in your quote. | | Coverage Features | Counterpart says Miscellaneous Professional Liability can be bought alone or packaged with General Liability; its lawyers product also describes GL alongside professional coverage. [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [4](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") (Evidence: Company-reported; scope: The official descriptions scope GL to these professional-liability product contexts and do not establish broad standalone commercial general liability for all businesses..) | HUB says general liability policies it arranges typically respond to bodily injury to customers, employees, vendors or visitors on the client's premises, personal injury from an employee's negligence or actions, property damage caused by employees, and advertising injury such as slander or false advertising claims. [9](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page description of typical coverage scenarios; the issued policy and its exclusions control what a specific claim triggers..) | | Limits and Retentions | Counterpart’s MPL page says its coverage types have separate limits and allows brokers to quote multiple limit and retention options. [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") (Evidence: Company-reported; scope: This page statement applies to the marketed MPL/GL structure; confirm the declarations and any shared aggregates in the issued policy..) | Published per-occurrence or aggregate limits, deductibles or retentions for HUB-placed general liability policies were not found on the product page. [9](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") (Evidence: Not publicly disclosed; scope: Checked the general liability product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page..) | | Risk Services | Confirm in your quote. | The general liability product page does not describe line-specific risk-control or safety services; it only lists related products such as business interruption, D&O, EPL and workers' compensation insurance. [9](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") (Evidence: Not found in reviewed sources; scope: Checked the general liability product page on 2026-09-23..) | | How to Apply | Confirm in your quote. | HUB says the amount of general liability coverage a business needs depends on factors such as the type of business and its location, and directs prospects to contact a HUB broker to get started. [9](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page copy; no online quote or bind flow is described..) | ## Full Comparison - [Counterpart vs HUB International](https://spot.insure/compare/counterpart-vs-hub-international): all coverage lines, business roles, service and claims. - [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability can protect your business from covered injury and property-damage claims; your building, tools and stock need separate property coverage. - [Counterpart vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/counterpart-vs-hub-international/employment-practices) - [Counterpart vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/counterpart-vs-hub-international/fiduciary) - [AIG vs Counterpart General Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/general-liability) - [AIG vs HUB International General Liability Insurance](https://spot.insure/compare/aig-vs-hub-international/general-liability) - [Alliance Risk vs Counterpart General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/general-liability) - [Alliance Risk vs HUB International General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/general-liability) - [Amelia Risk vs Counterpart General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/general-liability) - [Amelia Risk vs HUB International General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/general-liability) ## Sources ### Counterpart 1. [Counterpart | Agentic Insurance™](https://yourcounterpart.com/). Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287.. Accessed 2026-09-29. 2. [About Counterpart](https://yourcounterpart.com/about). Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26.. Accessed 2026-09-29. 3. [Professional & General Liability](https://yourcounterpart.com/products/miscellaneous-professional). Counterpart, Inc.; Reopened 2026-09-30: page lines 4–8 says MPL may be purchased alone or packaged with GL; lines 208–245 describe industries and coverage examples; lines 251–283 describe risk assessment, quoting channels and underwriter access. Marketing page, not binding terms.. Accessed 2026-09-30. 4. [Lawyers Professional Liability Insurance](https://yourcounterpart.com/products/lawyers-professional-liability). Counterpart, Inc.; Reopened 2026-09-30: page lines 4–8 names lawyer-focused product; lines 236–272 company-stated geographic reach, modular liability limit examples, professional services, technology/media extensions and GL alongside professional cover. Product terms remain policy-specific.. Accessed 2026-09-30. 5. [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart). Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28.. Accessed 2026-09-28. ### HUB International 6. [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. 7. [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. 8. [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. 9. [General Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/general-liability/). HUB International; What's typically covered: bodily injuries, personal injuries, property damage, advertising injury; coverage-amount factors; related coverage links; Contact a HUB broker call to action. Accessed 2026-09-23. ### General Liability Insurance Guide 10. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16. 11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated?. Accessed 2026-09-16. 12. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16. Updated 2026-09-30. 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. ## Counterpart Reviews Review Score: not enough ratings. We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/counterpart/reviews). ## HUB International Reviews Review Score: 5.6 / 10 from 2 rated sources, equally weighted. Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-. - BBB: BBB business grade A- (BBB letter grade). BBB profile for HUB International, Chicago headquarters and its corporate-owned locations (United States). HUB is a global broker; BBB coverage is US/Canada and split by office profile. Period: current page, accessed 2026-09-29; 3 complaints closed in last 3 years. Checked 2026-09-29. [HUB International | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202) - BBB customer reviews: BBB customer reviews 1 (out of 5); 7 reviews. Customer reviews left on the same BBB headquarters profile (HQ and corporate-owned US locations). Small sample. Checked 2026-09-29. [HUB International | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202/customer-reviews) - BBB Canada West: BBB business grade A- (BBB letter grade). BBB profile for HUB International Canada West ULC, Burnaby BC. Covers one Canadian regional entity only, not the whole group. Period: current page; 13 complaints closed in last 3 years; 3 customer reviews. Checked 2026-09-29. [HUB International Canada West ULC | BBB Reviews](https://www.bbb.org/ca/bc/burnaby/profile/insurance-services-office/hub-international-insurance-brokers-hub-coastal-0037-120326/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/hub-international/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/counterpart-vs-hub-international/general-liability.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)