--- title: "Cowbell vs HUB International" description: "Why Cowbell’s cyber and related specialty programs do not replace HUB International’s brokerage of workers’ compensation, property and benefits, and how a founder might use both." canonical: "https://spot.insure/compare/cowbell-vs-hub-international" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Cowbell", "HUB International"] --- [Human-readable page](https://spot.insure/compare/cowbell-vs-hub-international) # Cowbell vs HUB International Why Cowbell’s cyber and related specialty programs do not replace HUB International’s brokerage of workers’ compensation, property and benefits, and how a founder might use both. ## Research Scope and Use Use this comparison to evaluate Cowbell 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 Cowbell is a cyber-focused managing general underwriter that works through brokers, with optional technology E&O and management-liability programs. HUB International is a full-service broker that can place cyber among many other lines and may send small commercial accounts to Insureon. [1](https://cowbell.insure/ "Cowbell") [3](https://cowbell.insure/about-cowbell/ "Company") [10](https://cowbell.insure/wp-content/uploads/pdfs/CB-CowbellOverview.pdf "Cowbell Overview") [35](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [31](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") [30](https://www.hubinternational.com/contact-us/ "Contact Us") ## Introduction Cowbell and HUB International both discuss cyber insurance for growing companies, but they are not substitutes for an entire commercial program. Cowbell underwrites cyber (and some related specialty) programs that brokers place. HUB brokers many casualty, property, management and benefits lines and also markets cyber. A Bay Area company still needing workers’ compensation, a business owners policy or employee benefits cannot treat Cowbell’s cyber tower as that program. The useful question is whether HUB (or another broker) should access Cowbell as one market, or whether you are comparing two different jobs. [1](https://cowbell.insure/ "Cowbell") [10](https://cowbell.insure/wp-content/uploads/pdfs/CB-CowbellOverview.pdf "Cowbell Overview") [35](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [31](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") ## Documented Provider Strengths ### Cowbell - A range of primary and excess cyber programs serves different business sizes and risk profiles, with eligibility and terms varying by program. [9](https://cowbell.insure/broker-resources/ "Broker Resources") [11](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [12](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100Pro-Overview.pdf "Prime 100 Pro Product Overview") [13](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime250-Overview.pdf "Prime 250 Product Overview") [14](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeOne-Overview.pdf "Prime One Product Overview") [15](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimePlus-Overview.pdf "Prime Plus Product Overview") (Evidence: Company-reported; scope: Current U.S. broker-resource catalogue and product overviews. Product descriptions are illustrative and actual forms control.; verified: 2026-09-15.) - Cowbell pairs cyber insurance with risk insights, training and security services. Included services vary; some require a subscription. [22](https://cowbell.insure/crs/ "Cowbell Resiliency Services") [11](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [15](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimePlus-Overview.pdf "Prime Plus Product Overview") (Evidence: Company-reported; scope: Current U.S. resiliency-services catalogue and cyber product overviews. Eligibility, third-party terms and whether a service is bundled depend on the policy and service agreement.; verified: 2026-09-15.) ### 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. [32](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. [30](https://www.hubinternational.com/contact-us/ "Contact Us") [33](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [34](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [35](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [32](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [28](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 | Cowbell | HUB International | | --- | --- | --- | | Builders risk | Not listed | Listed [32](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Business owner’s policy | Not listed | Listed [40](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") | | Cargo and transit | Not listed | Listed [50](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [32](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Commercial auto | Not listed | Listed [42](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | | Commercial property | Not listed | Listed [41](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") | | Crime | Listed [18](https://cowbell.insure/mgmt-liability/ "Management Liability Coverage For Small And Medium Enterprises") [19](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small And Midsize Business Management Liability") | Listed [43](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [38](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Cyber liability | Listed [11](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [12](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100Pro-Overview.pdf "Prime 100 Pro Product Overview") [13](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime250-Overview.pdf "Prime 250 Product Overview") [14](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeOne-Overview.pdf "Prime One Product Overview") [15](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimePlus-Overview.pdf "Prime Plus Product Overview") | Listed [35](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [32](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Directors and officers | Listed [18](https://cowbell.insure/mgmt-liability/ "Management Liability Coverage For Small And Medium Enterprises") [19](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small And Midsize Business Management Liability") | Listed [34](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [32](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Employee health and benefits | Not listed | Listed [52](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [23](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") | | Employment practices liability | Listed [18](https://cowbell.insure/mgmt-liability/ "Management Liability Coverage For Small And Medium Enterprises") [19](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small And Midsize Business Management Liability") | Listed [38](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [32](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Equipment breakdown | Not listed | Listed [51](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") | | Fidelity bonds | Not listed | Listed [38](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Fiduciary liability | Listed [18](https://cowbell.insure/mgmt-liability/ "Management Liability Coverage For Small And Medium Enterprises") [19](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small And Midsize Business Management Liability") | Listed [44](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [38](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | General liability | Not listed | Listed [33](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") | | Hired and non-owned auto | Not listed | Listed [42](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | | Key person | Not listed | Listed [32](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Kidnap and ransom | Not listed | Listed [45](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [38](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Management liability | Listed [18](https://cowbell.insure/mgmt-liability/ "Management Liability Coverage For Small And Medium Enterprises") [19](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small And Midsize Business Management Liability") | Listed [32](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [38](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Medical malpractice | Not listed | Listed [47](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") | | Product liability | Not listed | Listed [49](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | | Product recall | Not listed | Listed [49](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | | Professional liability / E&O | Not listed | Listed [36](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [37](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") | | Representations and warranties | Not listed | Listed [48](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") | | Surety bonds | Not listed | Listed [46](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") | | Technology errors and omissions | Listed [16](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [17](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") | Listed [32](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Tools, equipment and inland marine | Not listed | Listed [50](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") | | Trucking | Not listed | Listed [42](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | | Umbrella and excess liability | Not listed | Listed [49](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | | Virtual care and telehealth | Not listed | Listed [53](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") | | Workers’ compensation | Not listed | Listed [39](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 Cowbell and HUB International ### Underwriter Versus Broker Cowbell describes a cyber-focused managing general underwriter whose programs are placed through brokers. [3](https://cowbell.insure/about-cowbell/ "Company") [8](https://cowbell.insure/find-an-agent/ "Find An Agent") HUB describes itself as a broker whose subsidiaries place policies with insurers; it is not the issuing carrier on the commercial lines it markets. [26](https://www.hubinternational.com/about-us/ "About Us") [27](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") Cowbell’s Zurich relationship is an ownership or investment disclosure, not a finding that Zurich issues every Cowbell policy. HUB is not the insurer on the policies it brokers. Cowbell’s find-an-agent path is built for brokers rather than a founder checkout. [4](https://cowbell.insure/blog/our-next-era-cowbell-closes-60m-series-c-round/ "Our Next Era — Cowbell Closes $60M Series C Round") [8](https://cowbell.insure/find-an-agent/ "Find An Agent") [27](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") ### Cyber Programs Versus a Full Catalogue Cowbell documents primary and excess cyber programs by business size, plus technology E&O and management-liability programs with terms that vary. HUB’s technology page lists cyber alongside workers’ compensation, directors and officers (D&O), benefits and other lines. Listing both cyber products side by side does not mean either program is available to you, and it does not mean Cowbell will write your workers’ compensation. [9](https://cowbell.insure/broker-resources/ "Broker Resources") [32](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [39](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") ### How a Quote Starts Cowbell is broker-first. HUB asks commercial buyers to contact an advisor, or Insureon if they meet the small-account gate. If HUB is your broker, you can ask whether Cowbell is among the cyber markets it will approach; HUB’s published compensation materials do not name Cowbell as a panel member. That is “not named,” not “HUB cannot submit.” [8](https://cowbell.insure/find-an-agent/ "Find An Agent") [30](https://www.hubinternational.com/contact-us/ "Contact Us") [29](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") ### Claims Paths Cowbell describes claims assistance tied to its cyber programs. HUB markets a multi-line claims-advocacy practice. Those are different counterparties: Cowbell/its issuing paper versus HUB advocating to whatever insurer it placed. Neither description is a claims-quality rating. [1](https://cowbell.insure/ "Cowbell") [54](https://www.hubinternational.com/products/risk-services/claims-management/ "Insurance Claims Management") ## What to Confirm in Quotes - **Whether Cowbell is a market on a HUB (or other broker) submission, not a replacement for statutory workers’ compensation.** [10](https://cowbell.insure/wp-content/uploads/pdfs/CB-CowbellOverview.pdf "Cowbell Overview") [39](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") - **Issuing insurer, form and retention for the cyber tower, including any Cowbell program name.** [3](https://cowbell.insure/about-cowbell/ "Company") [35](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") - **Who reports the incident: Cowbell, HUB’s claims practice, Insureon, or the carrier directly.** [54](https://www.hubinternational.com/products/risk-services/claims-management/ "Insurance Claims Management") ## Service Comparison Cowbell vs HUB International: documented services and availability. | Criteria | Cowbell | HUB International | | --- | --- | --- | | Business role | Cowbell is a specialty-insurance platform and agency, not the insurer named on every policy. Cowbell Insurance Agency LLC says it is a U.S. property-and-casualty producer and may act as a general agent for one or more carriers; the issuing insurer remains responsible for the policy. [1](https://cowbell.insure/ "Cowbell") [5](https://cowbell.insure/state-licenses/ "License Information") [2](https://cowbell.insure/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Cowbell's current U.S. website and producer disclosure; the exact role can vary by product and placement.; verified: 2026-09-15.)

Cowbell identifies Zurich as a $60 million Series C investor and partner, while Zurich describes Cowbell as its technology collaborator for Select Plus. The reviewed sources do not describe Cowbell as a Zurich subsidiary or say that Zurich underwrites every Cowbell product. [4](https://cowbell.insure/blog/our-next-era-cowbell-closes-60m-series-c-round/ "Our Next Era — Cowbell Closes $60M Series C Round") [19](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small And Midsize Business Management Liability") [3](https://cowbell.insure/about-cowbell/ "Company") (Evidence: Company-reported; scope: Ownership and commercial relationship characterization in Cowbell's 26 July 2024 financing announcement and current Zurich Select Plus page; no capitalization table was available.; verified: 2026-09-15.) | 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. [26](https://www.hubinternational.com/about-us/ "About Us") [27](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [31](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. [26](https://www.hubinternational.com/about-us/ "About Us") [56](https://www.insureon.com/about-us "About Insureon") [57](https://www.insureon.com/legal/licenses "Insurance Licenses by State") [58](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") [59](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.) | | Coverage lines | Cowbell's current U.S. cyber catalogue includes admitted Prime 100 and Prime 100 Pro, non-admitted Prime 250 and Prime One, and follow-form excess Prime Plus. These are separate programs with different revenue appetites, limits, coverage descriptions and jurisdictional bases—not interchangeable versions of one policy. [9](https://cowbell.insure/broker-resources/ "Broker Resources") [11](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [12](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100Pro-Overview.pdf "Prime 100 Pro Product Overview") [13](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime250-Overview.pdf "Prime 250 Product Overview") [14](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeOne-Overview.pdf "Prime One Product Overview") [15](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimePlus-Overview.pdf "Prime Plus Product Overview") (Evidence: Company-reported; scope: Current U.S. broker-resource catalogue and product overviews. Product descriptions are illustrative and actual forms control.; verified: 2026-09-15.)

Prime 100 Pro advertises limits up to $3 million; Prime One advertises up to $10 million for select risks and expressly describes AI-incident and quantum-computing coverage; Prime Plus advertises up to $5 million above a primary cyber policy. All remain subject to underwriting and issued policy terms. [12](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100Pro-Overview.pdf "Prime 100 Pro Product Overview") [14](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeOne-Overview.pdf "Prime One Product Overview") [15](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimePlus-Overview.pdf "Prime Plus Product Overview") (Evidence: Company-reported; scope: Selected differentiators in current U.S. product overviews; these are maximum advertised limits, not guaranteed buyer terms.; verified: 2026-09-15.)

Prime Tech combines non-admitted Technology E&O with cyber coverage for eligible technology businesses up to $1 billion in revenue and advertises limits up to $5 million. Prime Tech Plus is a separate follow-form excess Technology E&O and cyber product with up to $5 million in excess limits. [16](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [17](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") (Evidence: Company-reported; scope: Current U.S. Prime Tech and Prime Tech Plus marketing overviews; product appetite and actual terms are subject to underwriting.; verified: 2026-09-15.)

Cowbell's U.S. management-liability offering is Zurich Select Plus, a modular product with private-company D&O, employment-practices, fiduciary and crime coverage options. Zurich says appointed Zurich E&S wholesalers access the Cowbell-powered platform; the target is private businesses under 250 employees and under $50 million in assets. [18](https://cowbell.insure/mgmt-liability/ "Management Liability Coverage For Small And Medium Enterprises") [19](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small And Midsize Business Management Liability") (Evidence: Verified; scope: Current Zurich Select Plus U.S. wholesale offering. Availability through a wholesaler does not guarantee eligibility or inclusion of all four modules.; verified: 2026-09-15.)

Cowbell's product overviews say their coverage examples are illustrative and do not amend a policy. Actual coverage, conditions, limits, exclusions, availability and underwriting approval come from the issued policy and can vary by state and product. [11](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [12](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100Pro-Overview.pdf "Prime 100 Pro Product Overview") [13](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime250-Overview.pdf "Prime 250 Product Overview") [14](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeOne-Overview.pdf "Prime One Product Overview") [15](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimePlus-Overview.pdf "Prime Plus Product Overview") [16](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [17](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") (Evidence: Company-reported; scope: Disclaimers in the current U.S. Prime 100, Prime 100 Pro, Prime 250, Prime One, Prime Plus, Prime Tech and Prime Tech Plus overviews.; verified: 2026-09-15.) | HUB publishes dedicated business-insurance product pages for, among other lines, general liability, commercial property, workers’ compensation, business owners policies, commercial auto (including hired and non-owned exposures and trucking), cyber, directors and officers, professional liability/E&O, crime, fiduciary liability, kidnap and ransom, surety bonds, medical malpractice, marine/inland marine and cargo, boiler and machinery/equipment breakdown, and mergers-and-acquisitions representations-and-warranties insurance. Its casualty page also lists product liability, umbrella and excess, and product-recall as program elements. Employee-benefits brokerage is marketed separately. Actual policy forms, limits and eligibility are not set by those marketing pages. [31](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") [33](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [41](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [39](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [40](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") [42](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [35](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [34](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [36](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [37](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [43](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [44](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [45](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [46](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [47](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") [50](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [51](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") [48](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [49](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [52](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [38](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: Official product and casualty pages accessed 16 September 2026. Catalogue entries are brokerage offerings, not proof that a California startup can obtain each line on stated terms.; verified: 2026-09-16.)

For technology companies, HUB lists professional liability/technology E&O, cyber, a patent package described as property, auto, liability and umbrella, international placements, cargo/stock throughput, property/builders risk, pollution liability, management liability including D&O, employment-practices liability, fiduciary liability, transactional/warranty insurance, crime, workers’ compensation, employee benefits, key-person life and disability, retirement solutions, and kidnap and ransom. [32](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Technology industry page inventory. Patent package is a HUB grouping label, not a finding that intellectual-property insurance is separately underwritten. Builders risk is listed there as a technology offering.; verified: 2026-09-16.) | | Application process | A U.S. buyer works through an insurance agent or broker. Cowbell provides a state-filtered agent directory, while appointed agents use Cowbell's platform to quote, bind and issue eligible products; no direct-to-buyer quote path was documented in the reviewed sources. [8](https://cowbell.insure/find-an-agent/ "Find An Agent") [1](https://cowbell.insure/ "Cowbell") [9](https://cowbell.insure/broker-resources/ "Broker Resources") [11](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") (Evidence: Company-reported; scope: Current public U.S. buyer and broker paths. This does not establish that every listed agent can access every Cowbell product.; verified: 2026-09-15.) | 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. [30](https://www.hubinternational.com/contact-us/ "Contact Us") [33](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [34](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [35](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [32](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [28](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 | Cowbell's materials name Palomar Specialty Insurance Company for Prime 100 and Prime 100 Pro, Palomar and Chaucer Specialty Insurance Company for Prime 250, and Chaucer for Prime One. Prime Plus and Prime Tech Plus name only A-rated carrier paper, while the Select Plus page says Zurich admitted paper without naming the issuing legal entity. [11](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [12](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100Pro-Overview.pdf "Prime 100 Pro Product Overview") [13](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime250-Overview.pdf "Prime 250 Product Overview") [14](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeOne-Overview.pdf "Prime One Product Overview") [15](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimePlus-Overview.pdf "Prime Plus Product Overview") [17](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") [18](https://cowbell.insure/mgmt-liability/ "Management Liability Coverage For Small And Medium Enterprises") [7](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3880&event=companyProfile "Palomar Specialty Insurance Company — Company Profile") (Evidence: Company-reported; scope: Named paper providers in the current reviewed product materials. The quote and policy must identify the actual insurer for a specific product, state and account.; verified: 2026-09-15.) | 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. [29](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") [41](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [49](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [50](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [38](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. [56](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.) | | Claims assistance | Cowbell says its in-house cyber claims team and incident-response panel are available around the clock. Its public intake instructions ask for the policy number or company name, the incident date and details, and a point of contact; coverage and claim payment still depend on the issuing insurer and policy. [21](https://cowbell.insure/claims-services/ "Claims And Incident Response Services") [11](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [14](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeOne-Overview.pdf "Prime One Product Overview") (Evidence: Company-reported; scope: Cowbell's current U.S. cyber claims-services page and product overviews; company-reported service description, not an independently measured outcome.; verified: 2026-09-15.) | HUB markets a claims-management practice that it says includes dedicated claims professionals, advocacy, coverage-dispute support, TPA selection and audits, reserve analysis and litigation-management support. It states the team has more than 225 claims professionals in the United States and Canada. The page also publishes numerical process claims such as 24-hour turnaround on claims reporting; those figures are company-reported marketing metrics, not independently verified outcomes, and they do not describe how a particular insurer will adjust a claim. [54](https://www.hubinternational.com/products/risk-services/claims-management/ "Insurance Claims Management") (Evidence: Company-reported; scope: HUB claims-management service page. HUB is not identified as the claims-paying insurer. No assessment of claims-handling quality is made here.; verified: 2026-09-16.) | ## Related Reading - [What Is Cowbell Insurance?](https://spot.insure/insurance-providers/cowbell) - [What Is HUB International?](https://spot.insure/insurance-providers/hub-international) ## Related Comparisons - [Alliance Risk vs Cowbell](https://spot.insure/compare/alliance-risk-vs-cowbell) - [Alliance Risk vs HUB International](https://spot.insure/compare/alliance-risk-vs-hub-international) - [Amelia Risk vs Cowbell](https://spot.insure/compare/amelia-risk-vs-cowbell) - [Amelia Risk vs HUB International](https://spot.insure/compare/amelia-risk-vs-hub-international) - [Armilla vs Cowbell](https://spot.insure/compare/armilla-vs-cowbell) - [Armilla vs HUB International](https://spot.insure/compare/armilla-vs-hub-international) - [At-Bay vs Cowbell Insurance](https://spot.insure/compare/at-bay-vs-cowbell) - [At-Bay vs HUB International Insurance](https://spot.insure/compare/at-bay-vs-hub-international) - [Beazley vs Cowbell](https://spot.insure/compare/beazley-vs-cowbell) - 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[HUB International vs WithCoverage](https://spot.insure/compare/hub-international-vs-withcoverage) ## Sources ### [Cowbell Official Website](https://cowbell.insure/) 1. [Cowbell](https://cowbell.insure/). Cowbell; What We Do; Assess, Insure, Respond and Improve; U.S. navigation; footer legal disclosure. Accessed 2026-09-15. 2. [Terms And Conditions](https://cowbell.insure/terms/). Cowbell; Opening paragraphs identifying Cowbell Cyber, Inc. and its subsidiaries; Paid Services §3; footer producer disclosure. Accessed 2026-09-15. 3. [Company](https://cowbell.insure/about-cowbell/). Cowbell; Technology That Signals Protection; Backed By Prominent Venture And Growth Investors; office locations; footer legal disclosure. Accessed 2026-09-15. 4. [Our Next Era — Cowbell Closes $60M Series C Round](https://cowbell.insure/blog/our-next-era-cowbell-closes-60m-series-c-round/). Cowbell; 26 July 2024 announcement describing Zurich as a Series C investor and partner. Accessed 2026-09-15. 5. [License Information](https://cowbell.insure/state-licenses/). Cowbell; Cowbell Insurance Agency LLC producer and surplus-lines license lists for 50 states and the District of Columbia; footer availability qualification. Accessed 2026-09-15. 6. [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch). California Department of Insurance; Search for Cowbell Insurance Agency on 15 September 2026 returned ‘Captcha validation failed’; no license result was obtained. Accessed 2026-09-15. 7. [Palomar Specialty Insurance Company — Company Profile](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3880&event=companyProfile). California Department of Insurance; Company information: NAIC 20338, California ID 1969-5, Unlimited-Normal status, property-and-casualty company, Oregon domicile. Accessed 2026-09-15. 8. [Find An Agent](https://cowbell.insure/find-an-agent/). Cowbell; State selector and directory of appointed U.S. agents and brokers. Accessed 2026-09-15. 9. [Broker Resources](https://cowbell.insure/broker-resources/). Cowbell; Current U.S. sales enablement catalogue listing Prime 100, Prime 100 Pro, Prime 250, Prime One, Prime Plus, Prime Tech and Prime Tech Plus materials. Accessed 2026-09-15. 10. [Cowbell Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-CowbellOverview.pdf). Cowbell; Our Products: cyber, Professional Indemnity, Zurich management liability and Cowbell Resiliency Services; product-level qualifications. Accessed 2026-09-15. 11. [Prime 100 Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf). Cowbell; PDF pp. 1–4: admitted standalone cyber for businesses up to $100 million revenue; Palomar paper; coverage descriptions; US0001 1025 disclaimer. Accessed 2026-09-15. 12. [Prime 100 Pro Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100Pro-Overview.pdf). Cowbell; PDF pp. 1–4: admitted cyber for businesses up to $100 million; enhanced options and $3 million limit; 47-state list; Palomar paper; US0001 0826 disclaimer. Accessed 2026-09-15. 13. [Prime 250 Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime250-Overview.pdf). Cowbell; PDF pp. 1–4: non-admitted standalone cyber for businesses up to $1 billion; 50 states and D.C.; Palomar and Chaucer paper; illustrative-coverage disclaimer. Accessed 2026-09-15. 14. [Prime One Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeOne-Overview.pdf). Cowbell; PDF pp. 1–3: non-admitted cyber for advanced digital exposures, typically $250 million-plus revenue; selected risks up to $10 million; Chaucer Specialty; US0001 0426. Accessed 2026-09-15. 15. [Prime Plus Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimePlus-Overview.pdf). Cowbell; PDF pp. 1–2: non-admitted follow-form excess cyber for businesses up to $1 billion; up to $5 million excess limits; unnamed A-rated carriers; US0001 0226. Accessed 2026-09-15. 16. [Prime Tech Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf). Cowbell; PDF pp. 1–4: non-admitted combined Technology E&O and cyber for technology businesses up to $1 billion; up to $5 million; surplus lines in 50 states; US0001 1025. Accessed 2026-09-15. 17. [Prime Tech Plus Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf). Cowbell; PDF pp. 1–3: follow-form excess Technology E&O and cyber for technology businesses up to $1 billion; up to $5 million; unnamed A-rated paper; US0002 1025. Accessed 2026-09-15. 18. [Management Liability Coverage For Small And Medium Enterprises](https://cowbell.insure/mgmt-liability/). Cowbell; Zurich Select Plus description; admitted paper; private-company D&O, employment practices, fiduciary and crime modules; wholesaler access and target account FAQ. Accessed 2026-09-15. 19. [Small And Midsize Business Management Liability](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability). Zurich North America; Zurich Select Plus collaboration; admitted paper and Zurich Claims; four modular coverages; access for appointed Zurich E&S wholesalers; target under 250 employees and $50 million assets. Accessed 2026-09-15. 20. [Frequently Asked Questions](https://cowbell.insure/faqs/). Cowbell; Policy cancellation; direct- and agency-bill payment; 2.99% credit-card fee; premium financing; P100 and P250 renewals; endorsements; risk-engineering call. Accessed 2026-09-15. 21. [Claims And Incident Response Services](https://cowbell.insure/claims-services/). Cowbell; Cowbell Claims Approach; incident-response panel; reporting channels; initial company, incident-date and contact information; claims assistance description. Accessed 2026-09-15. 22. [Cowbell Resiliency Services](https://cowbell.insure/crs/). Cowbell; Cybersecurity services; policyholder access and trials; subscription services; service-provider and insurance-coverage qualifications. Accessed 2026-09-15. ### [HUB International Official Website](https://www.hubinternational.com) 23. [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. 24. [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. 25. [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. 26. [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. 27. [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. 28. [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. 29. [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. 30. [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. 31. [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. 32. [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. 33. [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. 34. [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. 35. [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. 36. [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. 37. [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. 38. [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. 39. [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. 40. [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. 41. [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. 42. [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. 43. [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. 44. [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. 45. [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. 46. [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. 47. [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. 48. [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. 49. [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. 50. [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. 51. [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. 52. [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. 53. [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. 54. [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. 55. [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. 56. [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. 57. [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. 58. [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. 59. [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. 60. [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/cowbell-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)