Embroker vs 
HUB International Business Owner’s Policy
Embroker quotes a BOP online for firms under 100 employees; HUB brokers building-and-liability coverage only after you contact an advisor.
What Is Embroker?
Embroker is a business insurance broker and online platform serving startups, technology companies and professional-services firms, with proprietary programs and broker-assisted placements. 1,2,3
What Is HUB International?
HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. 5,6,7
What Is a Business Owner’s Policy?
A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. 9
Key Differences in Business Owner’s Policy
Online Quote Versus Call a HUB Broker
Embroker offers an online BOP quote on its platform. HUB directs prospects to contact a HUB broker and does not describe an online quote or self-serve bind. HUB brokers the line; Embroker packages it as a bundled product on its own platform. 4 8
Home Office Screen Versus Building Schedule
Embroker targets fewer than 100 employees, less than $10 million in revenue and a physical location, including a home office. HUB describes repairing or replacing damaged buildings, equipment, stock, furniture or fixtures plus liability for injury or property-damage claims caused by the business or employees, without those numeric screens. 4 8
Embroker Exclusions Versus HUB Gap Language
Embroker says the BOP does not cover cyberattacks, professional liabilities, employment-related claims or criminal activity, with optional professional liability, employment practices and property endorsements. HUB says an advisor fine-tunes options for the client’s line of business and positions the BOP as a way to eliminate coverage gaps between separate property and liability policies. HUB’s reviewed page does not list those cyber or employment exclusions. 4 8
What to Confirm in Business Owner’s Policy Quotes
- Choose Embroker’s online quote or a HUB advisor, then get both writing companies. 4 8
- Check whether a home office fits Embroker’s screen and how HUB would schedule that location’s building or contents. 4 8
- Ask HUB how it would treat cyber, EPL and professional liability compared with Embroker’s stated BOP exclusions. 8 4
- Request interruption terms, limits and deductibles; HUB’s page omits dollars, and Embroker’s page does too. 8 4
Offering Details
Embroker vs HUB International Business Owner’s Policy: documented features by provider
| Criteria | Embroker Business Owners Policy | HUB International Business Owners Policy Brokerage |
|---|---|---|
| Role in This Line | Embroker packages its Business Owners Policy as a bundled product combining commercial property, general liability and business interruption coverage, sold through its own quote platform. 4Company-reported. Product-page description of the bundle; not a statement about the issuing insurer. | HUB brokers business owners policies rather than underwriting them, placing a combined property-and-liability package with an insurer on the client's behalf. 8Company-reported. BOP product page as read 2026-09-23; the page does not name an issuing insurer. |
| Issuing Insurer | Not described in the reviewed sources. | The BOP product page does not name an issuing insurer; HUB places BOP business with insurers that vary by client and placement. 8Not found in reviewed sources. Checked the BOP product page on 2026-09-23; no carrier is disclosed there. |
| Who It’s For | Embroker targets its BOP at small businesses with fewer than 100 employees, less than $10 million in annual revenue and a physical location, including a home office. 4Company-reported. Product-page eligibility criteria; larger or higher-risk businesses may not qualify for a BOP at all. | Not described in the reviewed sources. |
| Coverage Features | The BOP covers commercial property damage or theft, third-party bodily injury and property damage claims, and business interruption loss of income. 4Company-reported. Product-page coverage summary; the issued policy and declarations control. Embroker says the BOP does not cover cyberattacks and breaches, professional liabilities such as errors and omissions, employment-related claims, or criminal activity, and that workers' compensation and commercial auto usually must be bought separately. 4Company-reported. Product-page What's not included and FAQ sections. Embroker says the BOP can take endorsements for professional liability, employment practices liability and commercial property add-ons such as spoiled merchandise or mechanical breakdown coverage, and can be packaged with separate cyber or workers' compensation policies. 4Company-reported. FAQ section; specific endorsement availability depends on underwriting. | HUB describes its BOP as combining building and business-property insurance, which repairs or replaces damaged buildings, equipment, stock, furniture or fixtures, with business liability insurance for injury or property-damage claims caused by the business or its employees. 8Company-reported. Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim. |
| Limits and Retentions | Not described in the reviewed sources. | Published coverage limits, deductibles or premium ranges for HUB-placed BOPs were not found on the product page. 8Not publicly disclosed. Checked the BOP product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page. |
| Risk Services | The reviewed BOP page does not describe line-specific risk-control or loss-prevention services beyond general references to the Embroker Resource Hub and chat support. 4Not found in reviewed sources. Product page as read on 2026-09-23; broader broker-wide services may exist elsewhere. | HUB says an advisor works with the client to fine-tune the BOP with options that fit the client's line of business, and positions the policy as a way to eliminate coverage gaps between separate property and liability policies. 8Company-reported. Product-page marketing copy; no specific risk-control service beyond broker consultation is described. |
| How to Apply | Embroker offers an online quote for BOP coverage through its digital platform rather than a purely manual application. 4Company-reported. Product-page 'Quick quotes' feature description; no quote was requested during this research. | HUB directs prospects to contact a HUB broker to get started on a BOP; no online quote or self-serve bind flow is described on the page. 8Company-reported. Product-page call to action as read 2026-09-23. |
Full Comparison
More Embroker vs HUB International Comparisons
Other Business Owner’s Policy Comparisons
Sources
Embroker
- Embroker. Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
- Terms And Conditions. 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.
- Embroker Access. Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
- Business Owners Policy. Embroker; Why it's essential; Who needs this coverage; What is a Business Owners Policy?; What's covered; What's not included; FAQ: Are there additional coverages available with BOP insurance?; Who benefits most from BOP insurance? Accessed 2026-09-23.
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- Business Owners Policy (BOP) Company Coverage. HUB International; BOP definition: combination of business property and liability protection for small and mid-size businesses; building and business property insurance section; business liability insurance section; related products; Connect With a Broker. Accessed 2026-09-23.
Business Owner’s Policy Guide
- Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.
