--- title: "Harper vs HUB International Builders Risk Insurance" description: "Harper places builders risk through construction markets and emphasizes certificate service; HUB brokers the line with a documented site-mitigation program." canonical: "https://spot.insure/compare/harper-vs-hub-international/builders-risk" page-type: "line-comparison" updated-at: "2026-09-24" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/harper-vs-hub-international/builders-risk) # 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. ## Research Scope and Use Use this comparison to evaluate Harper and HUB International for Builders Risk Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Harper places builders risk inside a construction package and says it can issue additional-insured certificates the same day. HUB brokers the line and describes site security, leak detection, fire-resistant coatings and an app showing carrier underwriting requirements. [3](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") [8](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [9](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") ## 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](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") [2](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves") [Harper profile](https://spot.insure/insurance-providers/harper) ## 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](https://www.hubinternational.com/about-us/ "About Us") [6](https://www.hubinternational.com/contact-us/ "Contact Us") [7](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [HUB International profile](https://spot.insure/insurance-providers/hub-international) ## What Is Builders Risk Insurance? Builders risk insurance addresses physical property losses during building construction. [10](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") ## 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](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") [3](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") [8](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") ### 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](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") [8](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") ### 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](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") [9](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") [3](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") [8](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") ## What to Confirm in Builders Risk Insurance Quotes - Ask which insurer and market each broker would use for the project. [3](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") [8](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") - 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](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [3](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") - Check frame versus non-frame treatment with HUB and the admitted or excess-and-surplus market used by Harper. [9](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") [3](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") - Get project limits and deductibles in writing; neither reviewed record publishes them. [3](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") [8](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") ## Offering Details | 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. [3](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [9](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") (Evidence: Company-reported; scope: 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. [3](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") (Evidence: Not publicly disclosed; scope: 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](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [9](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") (Evidence: Not found in reviewed sources; scope: 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. [3](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") (Evidence: Company-reported; scope: 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. [9](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") (Evidence: Company-reported; scope: 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](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") [4](https://www.harperinsure.com/ "Harper Homepage") (Evidence: Company-reported; scope: 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. [8](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") (Evidence: Company-reported; scope: 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. [3](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") (Evidence: Not publicly disclosed; scope: 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. [3](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [9](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") (Evidence: Company-reported; scope: 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. [3](https://www.harperinsure.com/industries/construction-insurance "Construction & Contractors Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23..) | ## Full Comparison - [Harper vs HUB International](https://spot.insure/compare/harper-vs-hub-international): all coverage lines, business roles, service and claims. - [What Is Builders Risk Insurance?](https://spot.insure/coverage/builders-risk): Builders risk helps protect a construction project and its materials against covered property damage while work is underway. - [Harper vs HUB International Commercial Auto Insurance](https://spot.insure/compare/harper-vs-hub-international/commercial-auto) - [Harper vs HUB International Commercial Property Insurance](https://spot.insure/compare/harper-vs-hub-international/commercial-property) - [Harper vs HUB International Cyber Insurance](https://spot.insure/compare/harper-vs-hub-international/cyber) - [Harper vs HUB International General Liability Insurance](https://spot.insure/compare/harper-vs-hub-international/general-liability) - [Harper vs HUB International Inland Marine Insurance](https://spot.insure/compare/harper-vs-hub-international/inland-marine) - [Harper vs HUB International Medical Malpractice Insurance](https://spot.insure/compare/harper-vs-hub-international/medical-malpractice) - [Harper vs HUB International Product Liability Insurance](https://spot.insure/compare/harper-vs-hub-international/product-liability) - [Harper vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/harper-vs-hub-international/professional-errors-omissions) - [Harper vs HUB International Surety Bonds](https://spot.insure/compare/harper-vs-hub-international/surety-bonds) - [Harper vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/harper-vs-hub-international/umbrella-excess) - [Harper vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/harper-vs-hub-international/workers-compensation) - [Alliance Risk vs Harper Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-harper/builders-risk) - [Alliance Risk vs HUB International Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/builders-risk) - [Chubb vs Harper Builders Risk Insurance](https://spot.insure/compare/chubb-vs-harper/builders-risk) - [Chubb vs HUB International Builders Risk Insurance](https://spot.insure/compare/chubb-vs-hub-international/builders-risk) - [Coverdash vs Harper Builders Risk Insurance](https://spot.insure/compare/coverdash-vs-harper/builders-risk) - [Coverdash vs HUB International Builders Risk Insurance](https://spot.insure/compare/coverdash-vs-hub-international/builders-risk) ## Sources ### Harper 1. [Text Messaging Terms and Conditions](https://www.harperinsure.com/sms-terms). 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. 2. [We're Announcing $47M to Build the Insurance Company Every Business Deserves](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement). 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. 3. [Construction & Contractors Insurance](https://www.harperinsure.com/industries/construction-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. 4. [Harper Homepage](https://www.harperinsure.com/). 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 5. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16. 6. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16. 7. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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. 8. [Builder's Risk Insurance Broker & Coverage Policy](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/). 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. 9. [HUB International Launches Builder's Risk Insurance Solutions](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-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 10. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16. Updated 2026-09-24. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). 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