Harper vs 
HUB International Builders Risk Insurance
Harper places builders risk through construction markets and emphasizes certificate service; HUB brokers the line with a documented site-mitigation program.
What Is Harper Insurance?
Harper is a commercial insurance brokerage for businesses with complex risks. Its specialists use AI tools to gather information, seek quotes from insurers and help customers manage coverage. 1,2
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 Builders Risk Insurance?
Builders risk insurance addresses physical property losses during building construction. 10
Key Differences in Builders Risk Insurance
Construction-Market Placement Versus Mitigation Program
Harper says it places builders risk as part of its Construction & Contractors package, takes one construction application and presents options from markets it says write the work. HUB says it brokers builder’s risk and pairs the policy with a coordinated mitigation program rather than underwriting the policy. 3 3 8
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. 3 8
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. 3 9 3 8
What to Confirm in Builders Risk Insurance Quotes
- Ask which insurer and market each broker would use for the project. 3 8
- Confirm whether HUB’s mitigation services and app are included in the placement, and whether Harper’s certificate service applies to the requested wording. 8 3
- Check frame versus non-frame treatment with HUB and the admitted or excess-and-surplus market used by Harper. 9 3
- Get project limits and deductibles in writing; neither reviewed record publishes them. 3 8
Offering Details
Harper vs HUB International Builders Risk Insurance: documented features by provider
| Criteria | Harper Builders Risk Coverage | HUB Builder's Risk Insurance Solutions |
|---|---|---|
| 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. 3Company-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. 8,9Company-reported. Builder's risk product page and 2024 launch press release, as read 2026-09-23; neither names an issuing insurer. |
| Issuing Insurer | The reviewed pages do not name the insurer or insurers that would issue a builders risk policy Harper places; the industry page refers only to 'every market that writes construction' without listing carriers. 3Not publicly disclosed. Checked the Construction & Contractors industry page and homepage industries carousel on 2026-09-23; a specific insurer would appear on the quote or policy. | Neither the product page nor the launch press release names an issuing insurer or carrier partner for this solution. 8,9Not found in reviewed sources. Checked both pages on 2026-09-23; the press release explicitly states it does not specify carrier partners. |
| 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. 3Company-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. 9Company-reported. Launch press release target-market description. |
| 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. 3,4Company-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. 8Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim. |
| Limits and Retentions | Harper's reviewed pages do not publish builders risk limits, deductibles or maximum project values; the industry page says cost depends on trade, payroll and revenue and is quoted individually across multiple markets. 3Not publicly disclosed. Construction & Contractors industry page FAQ 'What does it cost?'; no published limit or retention figures found. | Not described in the reviewed sources. |
| 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. 3Company-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. 8,9Company-reported. Product-page and press-release service description; a company-reported program, not an independently assessed outcome. |
| 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. 3Company-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. 8Company-reported. Product-page call to action as read 2026-09-23. |
Full Comparison
More Harper vs HUB International Comparisons
Other Builders Risk Insurance Comparisons
Sources
Harper
- Text Messaging Terms and Conditions. Harper Global Enterprises Inc.; Effective August 24, 2026; sections 1–3 (entity, consent and service messages), 5 (message costs), 9 (delivery) and 11 (coverage confirmation). Accessed 2026-09-15.
- We're Announcing $47M to Build the Insurance Company Every Business Deserves. Harper / Dakotah Rice; February 26, 2026 article: brokerage identity; AI-assisted submissions and follow-ups; 24–48-hour coverage statement; more than 165 underwriters; plans for additional direct appointments. Accessed 2026-09-15.
- Construction & Contractors Insurance. Harper; Know your coverage: What is Construction & Contractors insurance?; Worksite liability, Builders risk, Tools & equipment, Certificates & additional insureds callouts; Who this is for; Why Harper (we know the trades, paperwork that wins bids, every market that writes construction, one call handled); FAQs on contractor insurance, certificate speed, subcontractor injuries, tool theft and cost. Accessed 2026-09-23.
- Harper Homepage. Harper; Industries We Serve carousel: 'Construction & Contractors — From GCs to specialty trades: jobsite liability, builders risk, and the certificates your projects cannot start without.'. 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.
- Builder's Risk Insurance Broker & Coverage Policy. HUB International; Coverage description for construction, installation and renovation projects; site security, water protection and fire resistance mitigation components; proprietary mobile app; frame and non-frame construction; Connect With a Broker. Accessed 2026-09-23.
- HUB International Launches Builder's Risk Insurance Solutions. HUB International; February 22, 2024 announcement naming project owners, general contractors and developers of frame and non-frame projects as the target market; third-party mitigation vendor coordination. Accessed 2026-09-23.
Builders Risk Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16.
