Heffernan Insurance Brokers vs 
HUB International: How Do They Compare for Builders Risk Insurance?
Both are brokers for contractors and developers: Heffernan Insurance Brokers offers a dedicated wrap-up team and over 1,000 clients, while HUB International adds site-security and leak-detection vendors.
Heffernan gathers builders-risk quotes using budget, timeline and construction type and lists wrap-up contacts; HUB pairs brokered coverage with jobsite-security and mitigation vendors. 1,2,3
What Are the Key Differences Between Heffernan Insurance Brokers and HUB International Builders Risk Insurance?
How Each Broker Reaches the Market
HUB targets owners, GCs and developers and describes security, automated leak detection and fire-resistant coatings alongside the policy. Heffernan asks for project details and lists a dedicated Wrap Up Solutions team. 1 2 3
Published Site-Mitigation Features
HUB describes a program using third-party site security, automated leak detection and fire-resistant coatings, plus a mobile app that shows carrier underwriting requirements. Heffernan's reviewed construction page does not describe those features. This is a difference in the published descriptions, not evidence that Heffernan cannot arrange similar services. 2 3 1
Wrap-Up Programs and Contacts
Heffernan lists a Wrap Up Solutions team with its construction practice leader for builders risk and related project-specific programs. HUB's reviewed builder's risk sources describe its mitigation program but do not describe a wrap-up team. If a controlled insurance program is relevant, ask both brokers whether they can include that work in scope. 1 2
What Should You Confirm in Heffernan Insurance Brokers and HUB International Builders Risk Insurance Quotes?
- Which insurer would issue each policy, and what project, frame/non-frame and geographic eligibility assumptions apply? 1 2 3
- Which HUB mitigation vendors, app functions and fees are included, and whether wrap-up placement is in Heffernan's scope? 2 3 1
- What limits, attachment points, retentions, exclusions and endorsements will each quote contain? Neither reviewed source publishes those policy-specific terms. 1 2
- Treat Heffernan's 1%–4% budget figure as generic education, not a quote; compare the actual premium and scope in both proposals. 1 2
Heffernan Insurance Brokers vs HUB International Builders Risk Compared
Heffernan Insurance Brokers vs HUB International: Builders Risk Insurance: documented features by provider
| Criteria | Heffernan Builders Risk Insurance | HUB Builder's Risk Insurance Solutions |
|---|---|---|
| Who It’s For | Heffernan says its construction insurance brokers serve general contractors, subcontractors, specialty and trade contractors, developers and design/build firms across sectors including alternative energy, concrete construction management and engineering, and lists a network of more than 1,000 contractor and developer clients nationwide. 1Company-reported. Construction page sector list and client-count claim; client count is company-reported and not independently verified. | HUB markets this solution to project owners, general contractors and developers of both frame and non-frame construction projects. 3Company-reported. Launch press release target-market description. |
| How to Apply | Heffernan's construction page directs buyers to contact its construction insurance specialists directly, and its builders risk FAQ describes providing project details such as budget, timeline and construction type so Heffernan can gather quotes from multiple carriers. 1Company-reported. Construction page contact route and FAQ process description. | HUB directs prospects to connect with a broker or its construction insurance specialists for a project-specific assessment; no online quote flow is described. 2Company-reported. Product-page call to action as read 2026-09-23. |
| Coverage Features | Heffernan describes builders risk insurance as coverage that protects a construction project against physical damage during the build, such as fire, theft and weather-related events, and says it customizes the coverage to the specific project. 1Company-reported. Construction page product description; specific insuring agreements, exclusions and endorsements are not detailed on the page. | 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. 2Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim. |
| Role in This Line | Heffernan's construction insurance brokers arrange builders risk insurance for contractors, developers and other construction-industry clients. As a broker, Heffernan places the coverage with insurance carriers rather than underwriting it itself. 1Company-reported. Construction page description of the builders risk offering. Does not establish a specific carrier relationship. | HUB brokers builder's risk insurance and bundles it with a coordinated mitigation program rather than underwriting the policy itself. 2,3Company-reported. Builder's risk product page and 2024 launch press release, as read 2026-09-23; neither names an issuing insurer. |
| Risk Services | Heffernan lists a dedicated Wrap Up Solutions team alongside its construction practice leader as contacts for builders risk and related project-specific insurance programs. 1Company-reported. Construction page practice-leader contact block. | 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. 2,3Company-reported. Product-page and press-release service description; a company-reported program, not an independently assessed outcome. |
