Harper vs HUB International: How Do They Compare for Builders Risk Insurance?

Both are brokers: Harper offers same-day certificates with wording contracts require, while HUB International adds site-security and leak-detection vendors and an underwriting-requirements app.

Harper bundles builders risk with construction coverage and same-day certificates; HUB pairs its brokered policy with security, leak-detection and fire-coating vendors for the jobsite. ^1,^3,⁴

What Are the Key Differences Between Harper and HUB International Builders Risk Insurance?

Construction-Market Placement Versus Mitigation Program

HUB directs owners, contractors and developers to a project assessment, then describes site-security, leak-detection and fire-resistant-coating services. Harper describes one application for construction risk and same-day additional-insured certificates. ¹ ³ ⁴

Certificates Versus Site Controls

Harper emphasizes same-day certificates with additional-insured, waiver-of-subrogation and primary-and-non-contributory wording, plus subcontractor certificate checks. HUB describes vendors for site security, automated leak detection and fire-resistant coatings, along with an app that shows carrier underwriting requirements. These are different service emphases, not evidence that one policy provides broader coverage. ¹ ³

Project Audience and Unknown Carrier

Harper names general contractors, specialty trades, remodelers, builders and construction managers. HUB names project owners, general contractors and developers working on frame and non-frame projects. Neither reviewed source names the insurer that would issue a particular builders-risk policy. ¹ ⁴ ¹ ³

What Should You Confirm in Harper and HUB International Builders Risk Insurance Quotes?

Ask which insurer and market each broker would use for the project. ¹ ³
Confirm whether HUB’s mitigation services and app are included in the placement, and whether Harper’s certificate service applies to the requested wording. ³ ¹
Check frame versus non-frame treatment with HUB and the admitted or excess-and-surplus market used by Harper. ⁴ ¹
Get project limits and deductibles in writing; neither reviewed record publishes them. ¹ ³

Harper vs HUB International Builders Risk Insurance Compared

Harper vs HUB International: Builders Risk Insurance: documented features by provider

Criteria	Harper Builders Risk Coverage	HUB Builder's Risk Insurance Solutions
Who It’s For	Harper says Construction & Contractors coverage, including builders risk, is for general contractors managing subs, specialty trades such as roofing, framing, electrical, plumbing and HVAC, remodelers and handymen, residential and commercial builders, and construction managers. ¹Company-reported. Construction & Contractors industry page 'Who this is for' section; not builders-risk-specific eligibility criteria such as project value or completion timeline.	HUB markets this solution to project owners, general contractors and developers of both frame and non-frame construction projects. ⁴Company-reported. Launch press release target-market description.
How to Apply	Harper says it takes one application for construction risk, including builders risk, and quotes it across every market it says writes construction, admitted where pricing allows and excess-and-surplus lines when the work demands it. ¹Company-reported. Construction & Contractors industry page 'Why Harper' section; specific markets contacted for a given project are not named.	HUB directs prospects to connect with a broker or its construction insurance specialists for a project-specific assessment; no online quote flow is described. ³Company-reported. Product-page call to action as read 2026-09-23.
Coverage Features	Harper describes builders risk as covering the structure, materials and fixtures of a project from ground break to handover, alongside jobsite liability and the certificates a project requires to start. ^1,²Company-reported. Construction & Contractors industry page coverage callouts and homepage industries carousel; the issued policy and declarations would control actual terms.	HUB describes builder's risk coverage for property used in construction, installation and renovation projects, protecting against theft, fire and water damage during the build. ³Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim.
Role in This Line	Harper places builders risk as one piece of its Construction & Contractors insurance package, describing itself as calling every market that writes construction and presenting the options back, rather than underwriting the coverage itself. ¹Company-reported. Construction & Contractors industry page; describes Harper's placement role for the package that includes builders risk, not a standalone builders risk product page.	HUB brokers builder's risk insurance and bundles it with a coordinated mitigation program rather than underwriting the policy itself. ^3,⁴Company-reported. Builder's risk product page and 2024 launch press release, as read 2026-09-23; neither names an issuing insurer.
Risk Services	Harper says it writes certificates of insurance with additional-insured, waiver-of-subrogation and primary-and-non-contributory wording the same day a contract calls for it, and checks subcontractors' certificates so their risk does not become the general contractor's. ¹Company-reported. Construction & Contractors industry page; describes the certificate and risk-review service Harper says it provides around construction projects, which includes builders risk jobs.	HUB says it pairs the policy with third-party vendors for site security, automated leak detection and fire-resistant coatings, plus a mobile app that shows carrier underwriting requirements, run by its construction insurance specialists. ^3,⁴Company-reported. Product-page and press-release service description; a company-reported program, not an independently assessed outcome.