--- title: "Embroker vs HUB International" description: "How Embroker’s management-liability suite and technology packages compare with HUB International’s ProEx practice and Insureon small-commercial route for a venture-backed software company." canonical: "https://spot.insure/compare/embroker-vs-hub-international" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Embroker", "HUB International"] --- [Human-readable page](https://spot.insure/compare/embroker-vs-hub-international) # Embroker vs HUB International How Embroker’s management-liability suite and technology packages compare with HUB International’s ProEx practice and Insureon small-commercial route for a venture-backed software company. ## Research Scope and Use Use this comparison to evaluate Embroker 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 Embroker is a business-insurance broker and platform with a management insurance suite and technology packages. HUB International is a large brokerage with a technology practice, ProEx professional and executive specialists, and an Insureon path for qualifying small accounts. [1](https://www.embroker.com/ "Embroker") [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [11](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Tech E&O / Cyber — Broker Program") [36](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [42](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [34](https://www.hubinternational.com/contact-us/ "Contact Us") ## Introduction Embroker and HUB International both court technology and professional-services companies that need directors and officers, employment practices and cyber or technology E&O. Embroker’s distinctive public product is a management suite that can combine several of those lines in one application, plus named technology and law-firm packages. HUB’s distinctive public products are a technology industry catalogue, the ProEx executive-risk practice, and a size-based handoff to Insureon. The buyer question is whether you want Embroker’s packaged management application or HUB’s specialist/local-office model—and whether you even qualify for HUB retail rather than Insureon. [1](https://www.embroker.com/ "Embroker") [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [36](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [42](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [34](https://www.hubinternational.com/contact-us/ "Contact Us") ## Documented Provider Strengths ### Embroker - Its Management Insurance Suite brings several management coverages into one application, with technology E&O/cyber for eligible technology businesses. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") (Evidence: Company-reported; scope: 19 August 2026 launch, new-business product. Company report of structure, not policy wording or proof of same-session binding.; verified: 2026-09-15.) - Separate technology and law-firm packages group coverage around those businesses’ activities, subject to the offered policy terms. [17](https://www.embroker.com/non-funded-tech-companies/ "Insurance For Technology Companies") [16](https://www.embroker.com/law/ "Law Firm Insurance Package") (Evidence: Company-reported; scope: Current direct industry tabs. Optional hired/non-owned auto is not counted as a standalone coverage line.; 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. [36](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. [34](https://www.hubinternational.com/contact-us/ "Contact Us") [37](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [38](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [39](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [36](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [32](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 | Embroker | HUB International | | --- | --- | --- | | Builders risk | Not listed | Listed [36](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Business owner’s policy | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [44](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") | | Cargo and transit | Not listed | Listed [54](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [36](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Commercial auto | Listed [21](https://www.embroker.com/coverage/commercial-auto-insurance/ "Commercial Auto Insurance") | Listed [46](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | | Commercial property | Listed [22](https://www.embroker.com/coverage/commercial-property-insurance/ "Commercial Property Insurance") | Listed [45](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") | | Crime | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [47](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [42](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Cyber liability | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [39](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [36](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Directors and officers | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [38](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [36](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Employee health and benefits | Not listed | Listed [56](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [27](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") | | Employment practices liability | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [42](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [36](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Equipment breakdown | Not listed | Listed [55](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") | | Fidelity bonds | Not listed | Listed [42](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Fiduciary liability | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [48](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [42](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | General liability | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [37](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") | | Hired and non-owned auto | Not listed | Listed [46](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | | Key person | Listed [20](https://www.embroker.com/coverage/key-person-insurance/ "Key Person Insurance") | Listed [36](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Kidnap and ransom | Not listed | Listed [49](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [42](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Management liability | Listed [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") | Listed [36](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [42](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Medical malpractice | Not listed | Listed [51](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") | | Product liability | Listed [24](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance") | Listed [53](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | | Product recall | Not listed | Listed [53](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | | Professional liability / E&O | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") [14](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/ "Lawyers Professional Liability — Broker Program") | Listed [40](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [41](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") | | Representations and warranties | Not listed | Listed [52](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") | | Surety bonds | Listed [23](https://www.embroker.com/coverage/surety-bonds/ "Surety Bonds") | Listed [50](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") | | Technology errors and omissions | Listed [11](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Tech E&O / Cyber — Broker Program") | Listed [36](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Tools, equipment and inland marine | Not listed | Listed [54](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") | | Trucking | Not listed | Listed [46](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | | Umbrella and excess liability | Listed [13](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/ "Excess Tech E&O / Cyber") | Listed [53](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | | Venture capital asset protection | Listed [25](https://www.embroker.com/venture-capital-private-equity-firms/ "Insurance For Venture Capital And Private Equity Firms") | Not listed | | Virtual care and telehealth | Not listed | Listed [57](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") | | Workers’ compensation | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [43](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 Embroker and HUB International ### Broker Platforms with Different Packaging Embroker describes a broker and platform, with a parent and producer identity set out in its terms, rather than a single named insurer for every line. [1](https://www.embroker.com/ "Embroker") [2](https://www.embroker.com/terms/ "Terms And Conditions") HUB describes brokerage through licensed subsidiaries and does not underwrite the catalogue it markets. [30](https://www.hubinternational.com/about-us/ "About Us") [31](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") Embroker Access can let another appointed broker distribute Embroker programs. HUB may place through HUB-owned wholesale operations that earn a second commission. Those are both “another intermediary in the chain” arrangements, not equivalent products. [10](https://access.embroker.com/ "Embroker Access") [33](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") ### Management Suite Versus ProEx Embroker documents a management insurance suite (EMIS) for directors and officers (D&O), employment practices liability and fiduciary liability, with technology E&O and cyber for eligible technology companies. HUB’s ProEx page lists employment practices, fiduciary, crime/fidelity and related executive lines, with claimed premium volume at “top-rated” carriers—company-reported, unnamed. Ask each for the actual form and whether lines share limits. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [42](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") Embroker also publishes technology-package conflicts and appetite notes. HUB’s technology page is a list of coverages it will discuss, not an underwriting guide. Treat both as marketing until a proposal names the insurer. [11](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Tech E&O / Cyber — Broker Program") [36](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") ### Starting the File Embroker describes an online start plus broker engagement. HUB uses contact forms and office intake, or Insureon below its published size tests. A company that meets HUB’s size tests may be routed to Insureon while Embroker’s management suite remains a core product on Embroker’s site; that is a routing difference, not a quality ranking. [1](https://www.embroker.com/ "Embroker") [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [34](https://www.hubinternational.com/contact-us/ "Contact Us") ### Carriers You Can Name in Public Embroker names a carrier relationship for its management suite. HUB does not publish a complete insurer panel; Insureon names example insurers that apply to Insureon. Do not assume Embroker’s named insurer is available through HUB, or the reverse. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [60](https://www.insureon.com/about-us "About Insureon") ## What to Confirm in Quotes - **Shared versus separate limits** on D&O, employment practices, fiduciary and technology E&O/cyber. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [38](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") - **Producer:** Embroker entity versus HUB subsidiary versus Insureon / Specialty Program Group LLC. [2](https://www.embroker.com/terms/ "Terms And Conditions") [61](https://www.insureon.com/legal/licenses "Insurance Licenses by State") - **Whether another broker can keep the account** via Embroker Access or must appoint HUB. [10](https://access.embroker.com/ "Embroker Access") ## Service Comparison Embroker vs HUB International: documented services and availability. | Criteria | Embroker | HUB International | | --- | --- | --- | | Business role | Embroker Insurance Services LLC is the producer named in its public lawyers’ liability specimen. Florida’s corporate record lists Embroker, Inc. as the LLC’s authorized member. That identifies a corporate relationship, not the insurer on your policy. [15](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf "Everest Elevation Lawyers Professional Liability — Specimen") [7](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m15000008735-158ae97b-a8ff-4f0b-8741-df22b86b81c9&directionType=Initial&inquirytype=EntityName&listNameOrder=EMBROIDUSA+P070000384650&searchNameOrder=EMBROKERINSURANCESERVICES+M150000087350&searchTerm=EMBROIDUSA%2CINC. "Embroker Insurance Services LLC — Entity Record") (Evidence: Company-reported; scope: Exact producer name from specimen declarations, corroborated corporate identity in Florida. No claim to establish the full ownership chain, current capitalization or nationwide licensure.; verified: 2026-09-15.)

Embroker distributes proprietary programs through its own channel and through other brokers using Embroker Access. Its terms also allow it to perform underwriting work for insurers under their guidelines; the issuing insurer bears the policy obligations. [10](https://access.embroker.com/ "Embroker Access") [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Program distribution and delegated work as described by the company. Not a finding of statutory MGA status or identical authority on every product.; verified: 2026-09-15.)

The reviewed corporate record identifies Embroker, Inc. as an authorized member of the producer LLC; it does not establish Embroker, Inc.’s ultimate beneficial ownership. [7](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m15000008735-158ae97b-a8ff-4f0b-8741-df22b86b81c9&directionType=Initial&inquirytype=EntityName&listNameOrder=EMBROIDUSA+P070000384650&searchNameOrder=EMBROKERINSURANCESERVICES+M150000087350&searchTerm=EMBROIDUSA%2CINC. "Embroker Insurance Services LLC — Entity Record") (Evidence: Not found in reviewed sources; scope: Scoped ownership research: official About history and Florida company record. No current controlling external parent established; funding/partnership is not ownership proof.; 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. [30](https://www.hubinternational.com/about-us/ "About Us") [31](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [35](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. [30](https://www.hubinternational.com/about-us/ "About Us") [60](https://www.insureon.com/about-us "About Insureon") [61](https://www.insureon.com/legal/licenses "Insurance Licenses by State") [62](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") [63](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 | Embroker’s August 2026 Management Insurance Suite (EMIS) brings D&O, employment practices, fiduciary liability and, for eligible technology companies, Tech E&O/Cyber into one application. Buyers may select individual coverages or a bundle. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") (Evidence: Company-reported; scope: 19 August 2026 launch, new-business product. Company report of structure, not policy wording or proof of same-session binding.; verified: 2026-09-15.)

The broker Tech E&O/Cyber program targets private, for-profit technology companies with revenue below $300 million. It requires multifactor authentication for accounts above $5 million in revenue and excludes businesses involved in crypto, blockchain or cannabis. [11](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Tech E&O / Cyber — Broker Program") (Evidence: Company-reported; scope: Current Embroker Access primary program appetite. Not applied to all Embroker products or proof of eligibility for a particular account.; verified: 2026-09-15.)

Embroker’s retail Tech E&O page lists intellectual-property infringement, copyright and libel among exclusions, while its broker program advertises software-code infringement coverage. The public descriptions do not reconcile that difference; request the proposed form and endorsements for your activities. [12](https://www.embroker.com/coverage/tech-errors-omissions/ "Technology Errors And Omissions / Cyber") [11](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Tech E&O / Cyber — Broker Program") (Evidence: Conflicting sources; scope: Retail What’s not included and FAQ versus Access Additional features. Product version and exact covered IP rights are unresolved; no conclusion of blanket IP protection or exclusion.; verified: 2026-09-15.)

Embroker describes an AI endorsement for eligible Tech E&O/Cyber quotes addressing AI services, discrimination allegations and regulatory-investigation defense. It advertises up to $150,000 for algorithm-removal expenses. Obtain the endorsement to check triggers, exclusions and how that sublimit relates to the policy limit. [18](https://www.embroker.com/blog/embroker-launches-ai-coverage/ "Embroker’s AI Coverage") (Evidence: Company-reported; scope: Company product announcement, not a policy-form analysis. Article displays May 2026 publication but says effective August 2025 and references the Startup Program; applicability to a particular EMIS or legacy quote must be confirmed.; verified: 2026-09-15.)

Embroker Access advertises up to $5 million of excess Tech E&O/Cyber above eligible underlying insurance. Its appetite requires a primary limit of at least $1 million and Tech E&O, with or without cyber; cyber-only underlying insurance is ineligible. [13](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/ "Excess Tech E&O / Cyber") (Evidence: Company-reported; scope: Access excess program, private for-profit businesses below $300 million revenue; no claim that all carrier forms qualify.; verified: 2026-09-15.)

The retail Tech E&O FAQ says Embroker’s excess product cannot sit above an Embroker primary policy. An Embroker primary buyer therefore needs a separate answer about how to obtain higher limits. [12](https://www.embroker.com/coverage/tech-errors-omissions/ "Technology Errors And Omissions / Cyber") (Evidence: Company-reported; scope: Retail FAQ restriction; do not interpret the broker page’s 50+ primary carriers as markets Embroker shops or automatically compatible forms.; verified: 2026-09-15.)

The broker lawyers’ professional liability (LPL) program lists firms with 1–25 attorneys, no claims or law-license disciplinary actions, a physical address and risk-management and docket controls. It advertises pre-claim assistance without a deductible and defense-cost options. [14](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/ "Lawyers Professional Liability — Broker Program") (Evidence: Company-reported; scope: Current Access LPL appetite and features; not a finding that larger or claims-affected firms cannot obtain any insurance through Embroker brokerage.; verified: 2026-09-15.)

The public Everest LPL specimen uses claims-made coverage: its insuring agreement ties protection to when a claim is made and reported and to a retroactive date for the underlying work. Its base wording makes claim expenses reduce the liability limit. Current marketing also describes defense costs outside the limit, so check which endorsements your quote includes. [15](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf "Everest Elevation Lawyers Professional Liability — Specimen") [14](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/ "Lawyers Professional Liability — Broker Program") (Evidence: Company-reported; scope: Specimen LPL-CWF100A-1 0319, PDF p. 5, and LPL-CWF001A-1 0319 declarations, PDF p. 2. A 2019 specimen is not evidence of every current policy version; options may explain different defense treatment.; verified: 2026-09-15.)

The main catalogue offers business owner’s policies, general liability, commercial crime, cyber, D&O, employment practices, fiduciary liability, professional liability (including lawyers’ liability), Tech E&O/Cyber and workers’ compensation. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") (Evidence: Company-reported; scope: Direct coverage cards and quote links; professional E&O consolidated separately from technology E&O and fiduciary liability. Website descriptions do not establish policy entitlements.; verified: 2026-09-15.)

Embroker also has direct offerings for commercial auto, commercial property, product liability, surety bonds and key person life insurance, plus venture capital asset protection (VCAP) for investment firms. [21](https://www.embroker.com/coverage/commercial-auto-insurance/ "Commercial Auto Insurance") [22](https://www.embroker.com/coverage/commercial-property-insurance/ "Commercial Property Insurance") [24](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance") [23](https://www.embroker.com/coverage/surety-bonds/ "Surety Bonds") [20](https://www.embroker.com/coverage/key-person-insurance/ "Key Person Insurance") [25](https://www.embroker.com/venture-capital-private-equity-firms/ "Insurance For Venture Capital And Private Equity Firms") (Evidence: Company-reported; scope: Accessible dedicated offering pages beyond the main coverage grid. No separate medical malpractice, fidelity bond, builders risk or employee benefits offering inferred from educational text or redirected URLs.; verified: 2026-09-15.)

The technology package combines Tech E&O/Cyber with a business owner’s policy. The law-firm package groups lawyers’ professional liability, cyber, a business owner’s policy and workers’ compensation. The package names do not establish identical terms across industries. [17](https://www.embroker.com/non-funded-tech-companies/ "Insurance For Technology Companies") [16](https://www.embroker.com/law/ "Law Firm Insurance Package") (Evidence: Company-reported; scope: Current direct industry tabs. Optional hired/non-owned auto is not counted as a standalone coverage line.; 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. [35](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") [37](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [45](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [43](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [44](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") [46](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [39](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [38](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [40](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [41](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [47](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [48](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [49](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [50](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [51](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") [54](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [55](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") [52](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [53](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [56](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [42](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. [36](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 | The public quote-start screen asks for a company name and whether the company has a website. It links the terms and compensation disclosure before continuing. [26](https://app.embroker.com/signup "Start An Embroker Quote") (Evidence: Company-reported; scope: Read-only Chrome observation of https://app.embroker.com/signup on 15 September 2026; no data entered, Continue not clicked, no account created.; verified: 2026-09-15.)

An account alone does not appoint Embroker as your broker. Using its brokerage service requires a broker- or agent-of-record designation and exclusive work with Embroker for those services unless otherwise agreed. [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Terms §2A; distinction between software access and brokerage engagement, not an interpretation of enforceability.; verified: 2026-09-15.)

An application may need additional underwriting information or be declined; a quote itself does not put insurance in force. [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Terms §13. No quote or binding transaction performed.; 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. [34](https://www.hubinternational.com/contact-us/ "Contact Us") [37](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [38](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [39](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [36](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [32](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 | Embroker names Everspan Indemnity Insurance Company as the insurer for EMIS and its excess Tech E&O/Cyber program. Its lawyers’ professional liability program names Everest National Insurance Company. These are product-specific relationships, not one carrier for the entire catalogue. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [13](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/ "Excess Tech E&O / Cyber") [14](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/ "Lawyers Professional Liability — Broker Program") [15](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf "Everest Elevation Lawyers Professional Liability — Specimen") (Evidence: Company-reported; scope: Current program marketing and LPL specimen; financial-strength ratings and admission status not independently checked, so no rating assigned here.; 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. [33](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") [45](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [53](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [54](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [42](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. [60](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.) | | Servicing and renewals | EMIS replaces the two previous management-liability offerings for new customers. Embroker says existing policyholders can continue renewing their legacy products; switching to EMIS requires a new-business application. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") (Evidence: Company-reported; scope: Launch announcement’s stated transition rules as of research date; not a renewal guarantee.; verified: 2026-09-15.)

The FAQ describes downloadable policies and certificates for accounts where Embroker is the broker of record. Custom certificate wording may require a policy endorsement first. [4](https://www.embroker.com/faq/ "Insurance FAQ") (Evidence: Company-reported; scope: FAQ Other insurance services; payment/down-payment conditions apply to first-time certificate access. Not independently tested in an authenticated account.; verified: 2026-09-15.)

Renewals vary: some policies renew through the insurer, while others need a fresh application and underwriting. Embroker describes reviewing the proposal, accepting it and paying or arranging financing; the new policy’s effective date controls when the renewal begins. [4](https://www.embroker.com/faq/ "Insurance FAQ") (Evidence: Company-reported; scope: FAQ Renewals. No automatic-renewal promise across all products and no tested service response time.; verified: 2026-09-15.)

If you move to another broker, Embroker says you lose account-based certificate issuance and policy-change functions. A replacement broker outside Embroker Access may also be unable to renew proprietary products. [4](https://www.embroker.com/faq/ "Insurance FAQ") (Evidence: Company-reported; scope: FAQ Engaging Embroker, What happens if I leave Embroker in the future? Not a finding that existing insurance cancels automatically on a broker change.; verified: 2026-09-15.) | 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. [42](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [59](https://www.hubinternational.com/products/risk-services/risk-management-information-system/ "Risk Management Information System (RMIS)") [56](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 Embroker?](https://spot.insure/insurance-providers/embroker) - [What Is HUB International?](https://spot.insure/insurance-providers/hub-international) ## Related Comparisons - [Alliance Risk vs Embroker](https://spot.insure/compare/alliance-risk-vs-embroker) - [Alliance Risk vs HUB International](https://spot.insure/compare/alliance-risk-vs-hub-international) - [Amelia Risk vs Embroker](https://spot.insure/compare/amelia-risk-vs-embroker) - [Amelia Risk vs HUB International](https://spot.insure/compare/amelia-risk-vs-hub-international) - [Armilla vs Embroker](https://spot.insure/compare/armilla-vs-embroker) - [Armilla vs HUB International](https://spot.insure/compare/armilla-vs-hub-international) - [At-Bay vs Embroker Insurance](https://spot.insure/compare/at-bay-vs-embroker) - [At-Bay vs HUB International Insurance](https://spot.insure/compare/at-bay-vs-hub-international) - 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[Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15. 2. [Terms And Conditions](https://www.embroker.com/terms/). Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15. 3. [Compensation Disclosure](https://www.embroker.com/disclosure/). Embroker; Commissions (including contingent and supplemental); Client fees; Other benefits or compensation. Accessed 2026-09-15. 4. [Insurance FAQ](https://www.embroker.com/faq/). Embroker; Engaging Embroker: leaving and transferring policies; Applying for insurance; Renewals; Other insurance services: specimen policies, certificates and policy documents. Accessed 2026-09-15. 5. [Published License List](https://www.embroker.com/licenses/). Embroker; AK–WY list, including DC; California 0K44291. Company list, not an independently checked national license register. Accessed 2026-09-15. 6. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; Query 0K44291 on 15 September 2026 returned “Captcha validation failed.” No individual license result obtained. Accessed 2026-09-15. 7. [Embroker Insurance Services LLC — Entity Record](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m15000008735-158ae97b-a8ff-4f0b-8741-df22b86b81c9&directionType=Initial&inquirytype=EntityName&listNameOrder=EMBROIDUSA+P070000384650&searchNameOrder=EMBROKERINSURANCESERVICES+M150000087350&searchTerm=EMBROIDUSA%2CINC.). Florida Department of State, Division of Corporations; Document M15000008735; foreign LLC, Delaware; Authorized Member: Embroker, Inc.; 2026 annual report filed 20 January 2026. Corporate registration, not an insurance license. Accessed 2026-09-15. 8. [Business Insurance Coverage Options](https://www.embroker.com/coverage/). Embroker; Individual coverages; industry packages; invitation to seek other policies through Embroker. Accessed 2026-09-15. 9. [Embroker Launches EMIS](https://www.embroker.com/blog/embroker-launches-emis/). Embroker; 19 August 2026 announcement; What’s changing; four coverages; legacy renewals versus new business; Availability; About Embroker names Everspan Indemnity Insurance Company. Accessed 2026-09-15. 10. [Embroker Access](https://access.embroker.com/). Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15. 11. [Tech E&O / Cyber — Broker Program](https://access.embroker.com/for-brokers/tech-eo-cyber/). Embroker; Appetite; revenue and multifactor requirements; excluded industries; Coverage Highlights and software code infringement. Accessed 2026-09-15. 12. [Technology Errors And Omissions / Cyber](https://www.embroker.com/coverage/tech-errors-omissions/). Embroker; What’s not included: copyright, libel and intellectual property; FAQ: additional coverages and excess coverage cannot be written over an Embroker primary policy. Accessed 2026-09-15. 13. [Excess Tech E&O / Cyber](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/). Embroker; At a Glance; Appetite; underlying Tech E&O requirement; Everspan underwriting statement; ineligible industries; documents required to quote. Accessed 2026-09-15. 14. [Lawyers Professional Liability — Broker Program](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/). Embroker; Appetite: 1–25 attorneys, claims-free and no discipline; Everest National; coverage highlights and defense cost features. Accessed 2026-09-15. 15. [Everest Elevation Lawyers Professional Liability — Specimen](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf). Everest National Insurance Company (hosted by Embroker); PDF pp. 2–3: declarations LPL-CWF001A-1 0319 name Everest National and Embroker Insurance Services LLC; PDF p. 5: LPL-CWF100A-1 0319 warning and §I, claims-made/reporting/retroactive date; PDF p. 4 lists state amendments as TBD. Accessed 2026-09-15. 16. [Law Firm Insurance Package](https://www.embroker.com/law/). Embroker; Comprehensive coverage for law firms: Lawyers Professional Liability, Cyber, Business Owners Policy and Workers Compensation tabs. Accessed 2026-09-15. 17. [Insurance For Technology Companies](https://www.embroker.com/non-funded-tech-companies/). Embroker; Technology Package: Tech E&O/Cyber and BOP; Plus-only fraud, bricking and utility features; optional hired/non-owned auto under BOP. Accessed 2026-09-15. 18. [Embroker’s AI Coverage](https://www.embroker.com/blog/embroker-launches-ai-coverage/). Embroker; Article displays 26 May 2026 publication and 5 August 2025 endorsement effective date; What’s included; algorithm removal expenses up to $150,000; qualifying Technology E&O/Cyber quotes. Not the endorsement wording. Accessed 2026-09-15. 19. [Claims](https://www.embroker.com/claims/). Embroker; How it works: account Claims tab, confirmation and review; FAQ: active cyber events use policy hotline, other claims use insurer contacts; no fixed resolution time. Accessed 2026-09-15. 20. [Key Person Insurance](https://www.embroker.com/coverage/key-person-insurance/). Embroker; Opening offer of life insurance for an executive, founder or other critical employee with concierge service; public inquiry form (not submitted). Accessed 2026-09-15. 21. [Commercial Auto Insurance](https://www.embroker.com/coverage/commercial-auto-insurance/). Embroker; Opening Embroker service offer; Who Is It For? invitation to obtain a commercial auto quote. Educational coverage examples not adopted as policy promises. Accessed 2026-09-15. 22. [Commercial Property Insurance](https://www.embroker.com/coverage/commercial-property-insurance/). Embroker; Opening Embroker service offer; Who Is It For? invitation to obtain a property quote. Educational examples do not establish flood/earthquake or other entitlements. Accessed 2026-09-15. 23. [Surety Bonds](https://www.embroker.com/coverage/surety-bonds/). Embroker; Opening statement that Embroker helps obtain surety bonds; construction bond discussion. No insurer or specific bond terms established. Accessed 2026-09-15. 24. [Product Liability Insurance](https://www.embroker.com/coverage/product-liability-insurance/). Embroker; Product-specific Get a Quote; Why Get It With Embroker? customized product liability offering. Recall-related educational text not treated as a separate product-recall offering. Accessed 2026-09-15. 25. [Insurance For Venture Capital And Private Equity Firms](https://www.embroker.com/venture-capital-private-equity-firms/). Embroker; Insurance simplified for VC & private equity firms: VCAP offering, growth-practice brokers and platform service. Accessed 2026-09-15. 26. [Start An Embroker Quote](https://app.embroker.com/signup). Embroker; Public first screen: company name, optional website question, linked terms/disclosure and Continue; viewed without entering information or advancing. Accessed 2026-09-15. ### [HUB International Official Website](https://www.hubinternational.com) 27. [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. 28. [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. 29. [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. 30. [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. 31. [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. 32. [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. 33. [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. 34. [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. 35. [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. 36. [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. 37. [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. 38. [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. 39. [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. 40. [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. 41. [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. 42. [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. 43. [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. 44. [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. 45. [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. 46. [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. 47. [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. 48. [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. 49. [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. 50. [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. 51. [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. 52. [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. 53. [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. 54. [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. 55. [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. 56. [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. 57. [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. 58. [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. 59. [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. 60. [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. 61. [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. 62. [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. 63. [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. 64. [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/embroker-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)