---
title: "Heffernan Insurance Brokers vs HUB International: Builders Risk Insurance"
description: "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."
canonical: "https://spot.insure/compare/heffernan-vs-hub-international/builders-risk"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "heffernan-vs-hub-international"
provider-a: "heffernan"
provider-b: "hub-international"
coverage-line: "builders-risk"
---

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[Human-readable page](https://spot.insure/compare/heffernan-vs-hub-international/builders-risk)

## Agent Guide

**What this page is:** Focused comparison of Heffernan Insurance Brokers and HUB International for Builders Risk Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Builders Risk Insurance questions about Heffernan Insurance Brokers versus HUB International. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Heffernan Insurance Brokers vs HUB International for Builders Risk Insurance: how do they differ?
- Which is better for Builders Risk Insurance, Heffernan Insurance Brokers or HUB International?
- What does Heffernan Insurance Brokers or HUB International publish about Builders Risk Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Builders Risk Insurance. Providers: Heffernan Insurance Brokers and HUB International.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Heffernan Insurance Brokers vs HUB International](https://spot.insure/compare/heffernan-vs-hub-international) — all coverage lines for this pair
- [Builders Risk Insurance guide](https://spot.insure/coverage/builders-risk) — how this coverage works
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile

# 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 uses construction specialists and lists wrap-up support; HUB describes site security, leak detection and fire-resistant coatings.

## Heffernan Insurance Brokers vs HUB International Builders Risk Insurance Summary

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](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") [2](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [3](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 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](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") [2](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [3](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")

### 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](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [3](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") [1](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance")

### 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](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") [2](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy")

## 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](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") [2](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [3](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")
- Which HUB mitigation vendors, app functions and fees are included, and whether wrap-up placement is in Heffernan's scope? [2](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [3](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") [1](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance")
- What limits, attachment points, retentions, exclusions and endorsements will each quote contain? Neither reviewed source publishes those policy-specific terms. [1](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") [2](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy")
- Treat Heffernan's 1%–4% budget figure as generic education, not a quote; compare the actual premium and scope in both proposals. [1](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") [2](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy")

## Heffernan Insurance Brokers vs HUB International Builders Risk Compared

| 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. [1](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Company-reported; scope: 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. [3](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..) |
| 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. [1](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Company-reported; scope: 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. [2](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..) |
| 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. [1](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Company-reported; scope: 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. [2](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..) |
| 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. [1](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [3](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..) |
| 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. [1](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [3](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..) |

## About Heffernan Insurance Brokers and HUB International

- [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/reviews)
- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [What Is Builders Risk Insurance?](https://spot.insure/coverage/builders-risk)

## Related Pages for Heffernan Insurance Brokers vs HUB International

- [Heffernan Insurance Brokers vs HUB International](https://spot.insure/compare/heffernan-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Builders Risk Insurance?](https://spot.insure/coverage/builders-risk): Builders risk insures a building and its materials against physical loss while it is under construction, but stored or in-transit materials, the existing structure in a renovation, and early occupancy can fall outside it.
- [Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/insurance-providers/heffernan/builders-risk)
- [HUB International Builders Risk Insurance](https://spot.insure/insurance-providers/hub-international/builders-risk)

## Sources for Heffernan Insurance Brokers vs HUB International

### Sources About Heffernan Insurance Brokers

1. [Construction & Contractor Liability Insurance](https://www.heffins.com/business-insurance/construction/). Heffernan Insurance Brokers; Protect Your Construction Projects with Builders Risk Insurance; contractor sectors served; Builders Risk FAQ; network of over 1,000 contractor and developer clients nationwide; Construction Practice Leader and Wrap Up Solutions contacts. Accessed 2026-09-23.

### Sources About HUB International

2. [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.
3. [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.

Updated 2026-09-25. 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). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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