Embroker vs HUB International: How Do They Compare for Product Liability Insurance?

Embroker prices product liability by product risk, company size and claims history and quotes online in under 10 minutes; HUB International brokers it through its casualty practice, with assessments of how much risk to keep and what limits to buy.

Embroker offers a product-liability quote in under 10 minutes as a standalone policy or a general-liability or BOP addition, but excludes recall costs. HUB builds casualty programs with product liability, product recall, crisis response and risk-financing assessments. ^1,²

What Are the Key Differences Between Embroker and HUB International Product Liability Insurance?

Choose a Fast Quote or a Broader Casualty Program

Embroker says its digital product-liability quote takes under 10 minutes and lets applicants choose deductibles and limits. HUB places general and product liability with regional, national and specialty insurers and can add related casualty lines. Choose Embroker if you manufacture, repair, distribute or sell products and want to quote online; choose HUB if you need product liability coordinated with recall, crisis-response or other casualty coverage. ¹ ²

Confirm Recall Expenses Are Covered

Embroker excludes product-recall costs from its product-liability policy and says recall needs separate coverage. HUB arranges product recall and crisis-response coverage alongside product liability. Ask HUB whether recall is a separate policy and ask Embroker what separate option it can quote. ¹ ²

Compare Pricing Inputs and Risk Financing

Embroker says pricing depends on product-risk category, company size, revenue and claims history. HUB’s casualty team says it assesses retentions, program structures and limits. Neither reviewed page publishes sample limits, so compare written proposals for the product, revenue and loss history you disclose. ¹ ²

What Should You Confirm in Embroker and HUB International Product Liability Insurance Quotes?

Ask Embroker whether the quote is standalone, a general-liability endorsement or a BOP addition, and confirm the recall exclusion. ¹
Ask HUB which insurer would issue the liability policy and whether recall is separately quoted. ²
Compare HUB’s proposed retention with Embroker’s deductibles and limits. ² ¹
Ask HUB whether its construction or hospitality experience fits your product exposure. ²

Embroker vs HUB International Product Liability Insurance Compared

Embroker vs HUB International: Product Liability Insurance: documented features by provider

Criteria	Embroker Product Liability Insurance	HUB International General & Product Liability Insurance Brokerage
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. ¹Company-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. ²Company-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. ¹Company-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). ¹Company-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. ²Company-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. ²Company-reported. Casualty product page complementary-coverages list; availability of each coverage depends on the client and placement.
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. ¹Company-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. ²Company-reported. Casualty product page, read 2026-09-23; the page does not name a specific issuing insurer.

Criteria

Embroker Product Liability Insurance

HUB International General & Product Liability Insurance Brokerage

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. ¹Company-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. ²Company-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. ¹Company-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). ¹Company-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. ²Company-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. ²Company-reported. Casualty product page complementary-coverages list; availability of each coverage depends on the client and placement.

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. ¹Company-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. ²Company-reported. Casualty product page, read 2026-09-23; the page does not name a specific issuing insurer.