Embroker vs 
HUB International Product Liability Insurance
Embroker sells a digital standalone or GL/BOP product-liability option; HUB brokers general and product liability with related casualty lines and risk-financing assessments.
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 Product Liability Insurance?
Product liability insurance addresses liability for injury or damage associated with a defective product that a business manufactures, wholesales, distributes or sells. 9,10,11,12
Key Differences in Product Liability Insurance
Digital Policy Choice Versus Casualty Brokerage
Embroker sells product liability as a standalone policy and says most companies instead add it as an endorsement to general liability or a BOP, with applicants choosing deductibles and limits in a quote it says takes under 10 minutes. HUB brokers general and product liability as part of its casualty practice with regional, national and specialty carriers rather than underwriting the policy, and the reviewed page does not describe a self-serve bind. 4 8
Recall Excluded Versus Recall as a Related Placement
Embroker says the product-liability policy excludes product recall costs, which need a separate endorsement or product recall policy. HUB pairs product-liability brokerage with related casualty coverages it also arranges, including product recall coverage and crisis-response support. 4 8
Pricing Drivers Versus Risk-Financing Assessments
Embroker says pricing depends heavily on product risk category, company size, revenue and claims history, and does not publish standard policy limits. HUB does not publish limits on the reviewed page; its casualty team says it runs risk-financing assessments to set retention levels, program structures and coverage limits. 4 8
What to Confirm in Product Liability Insurance Quotes
- Ask Embroker whether the quote is standalone, a GL endorsement or a BOP bundle, and whether recall is excluded. 4
- Ask HUB which carrier would issue the product-liability layer and whether recall is quoted with it. 8
- Compare HUB’s proposed retention structure with the deductibles you select on Embroker. 8 4
- If you are in construction or hospitality, confirm HUB’s vertical practice versus Embroker’s manufacturer/repairer audience. 8 4
Offering Details
Embroker vs HUB International Product Liability Insurance: documented features by provider
| Criteria | Embroker Product Liability Insurance | HUB International General & Product Liability Insurance Brokerage |
|---|---|---|
| Role in This Line | Embroker sells product liability as a standalone policy, and says most companies instead add it as an endorsement to a general liability policy or bundle it into a Business Owners Policy, with only larger companies typically buying an independent policy. 4Company-reported. Product-page description and 'Tips for Saving' section; not a statement about the issuing insurer. | HUB brokers general and product liability insurance as part of its casualty practice, arranging coverage with regional, national and specialty carriers rather than underwriting the policy itself. 8Company-reported. Casualty product page, read 2026-09-23; the page does not name a specific issuing insurer. |
| Issuing Insurer | Not described in the reviewed sources. | HUB says it maintains relationships with regional, national and specialty carriers for casualty placements, but the reviewed page does not name the insurer that would issue a given client's product liability policy. 8Not found in reviewed sources. Checked the casualty product page on 2026-09-23; the carrier for a specific placement depends on the quote. |
| Who It’s For | Embroker markets the policy to businesses that manufacture, repair, distribute or sell products, saying manufacturers are most often held liable but sellers and repairers can also be named in claims. 4Company-reported. Product-page 'Who Is It For?' section; not a guarantee of coverage for a particular business. | HUB highlights vertical expertise in transportation, construction, healthcare, hospitality, manufacturing and real estate as industries where it says commercial liability exposures, including product liability, are most complex. 8Company-reported. Casualty product page industry-expertise description; not an underwriting appetite statement. |
| Coverage Features | Embroker lists coverage for bodily injury, property damage, illness and wrongful death claims arising from design defects, manufacturing defects, or warning/labeling defects in a product. 4Company-reported. Product-page 'What Does Product Liability Insurance Cover?' section; the issued policy and declarations control. Embroker says the policy excludes employee injuries (covered by workers' compensation), third-party accidents on the policyholder's property (covered by general liability), product recall costs (which need a separate endorsement or product recall policy), and technology product claims (covered by tech E&O). 4Company-reported. Product-page What's Not Covered section, distinguishing product liability from general liability, product recall insurance and technology E&O. | HUB says its General & Product Liability offering addresses injuries or property damage to the public arising from a client's premises or operations, its products, contractual liabilities, natural catastrophes, or violent events. 8Company-reported. Casualty product page scope-of-protection description; the issued policy's insuring agreements and exclusions control an actual claim. HUB pairs its product liability brokerage with related casualty coverages it also arranges, including product recall coverage, crisis-response support, sexual misconduct liability (SML), active-assailant protection and Violent Acts Liability insurance. 8Company-reported. Casualty product page complementary-coverages list; availability of each coverage depends on the client and placement. |
| Limits and Retentions | Embroker says pricing depends heavily on product risk category (for example, pharmaceuticals or firearms cost more than lower-risk goods), company size and revenue, and claims history; it does not publish standard policy limits. 4Company-reported. Product-page 'How Much Does Product Liability Insurance Cost?' section. | Published product liability policy limits or retentions were not found on the reviewed page. 8Not publicly disclosed. Checked the casualty product page on 2026-09-23; limits are set through the risk-financing assessment and the quote. |
| Risk Services | Not described in the reviewed sources. | HUB says its casualty team runs risk-financing assessments to set retention levels, program structures and coverage limits. 8Company-reported. Casualty product page strategic-approach description. |
| How to Apply | Embroker says applicants can get a product liability quote in under 10 minutes through its digital platform and choose their own deductibles and limits. 4Company-reported. Product-page 'Why Get It With Embroker?' section; no quote was requested during this research. | Not described in the reviewed sources. |
Full Comparison
More Embroker vs HUB International Comparisons
Other Product Liability Insurance 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.
- Product Liability Insurance: Coverage & Quotes. Embroker; What Is Product Liability Insurance?; Who Is It For?; Product Liability vs. General Liability; What Does Product Liability Insurance Cover?; What's Not Covered?; How Much Does Product Liability Insurance Cost? 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.
- Comprehensive Casualty Insurance Solutions. HUB International; General & Product Liability section: scope of protection for premises/operations, products, contractual liability, catastrophes and violent events; complementary casualty coverages (product recall, crisis response, SML, active assailant, Violent Acts Liability); risk-financing and strategic casualty approach; vertical industry expertise; carrier relationships. Accessed 2026-09-23.
Product Liability Insurance Guide
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Facts + Statistics: Product liability. Insurance Information Institute; Product liability insurance opening definition (manufacturer, distributor, or seller; defective condition causing personal injury or damage); Product recall insurance sentence. Accessed 2026-09-16.
- Product liability, recall and contamination insurance. Insurance Information Institute; Product liability opening (design/manufacture/distribute/sell; injury, property damage or death; added to GL or stand-alone); What could go wrong? (roles; directions/warnings); Covering the costs of a product recall; Contamination insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability Coverage: premises, products liability and completed operations; major exclusions including damage to your work, impaired property, sistership liability and failure to perform; Limits of Insurance products and completed operations aggregate; glossary Sistership Liability. Accessed 2026-09-16.
