Heffernan Insurance Brokers vs HUB International Cargo and Transit Insurance

Heffernan runs a specialty marine cargo program for freight forwarders and logistics companies that it says carries in-house underwriting authority and a dedicated claims division with authority to adjust, settle and issue payments directly. That is a broader, program-administrator-style role than ordinary brokerage, and is specific to this cargo program rather than Heffernan's general business insurance brokerage. ⁴Company-reported. Marine Cargo page's 'What Sets Our Programs Apart' section. Does not establish that Heffernan is a licensed carrier or MGA for this program; the exact legal arrangement with its carrier partners was not disclosed.

HUB brokers marine cargo insurance through a dedicated marine practice rather than underwriting the policy itself. ⁹Company-reported. Marine insurance product page as read 2026-09-23; the page does not name an issuing insurer.

Heffernan says its cargo program has 'exclusive access to major insurance carriers' and that its transportation practice is 'appointed with top transportation carriers,' but neither page names a specific issuing insurer. ^4,5Not publicly disclosed. Checked the Marine Cargo and Transportation pages on 2026-09-23. The issuing insurer would appear on the quote and declarations.

The marine insurance page does not name an issuing insurer for cargo coverage; HUB places marine business with carriers that vary by placement. ⁹Not found in reviewed sources. Checked the marine insurance product page on 2026-09-23; no carrier is disclosed there.

Heffernan markets its cargo program to freight forwarders, customs brokers, import/export operators and household-goods movers, and describes a global client base of logistics companies, forwarders and brokers. Its separate transportation practice serves trucking and logistics, final-mile delivery, couriers, fuel haulers, towing and moving and storage businesses. ^4,5Company-reported. Marine Cargo and Transportation page descriptions of target clients and subsectors.

HUB says its marine practice serves ocean cargo, passenger vessel, port and terminal operator, ship owner and operator, shipyard, and supply chain and logistics businesses. ⁹Company-reported. Product-page target-market list; not a published underwriting appetite by cargo type or region.

Heffernan's cargo program lists general merchandise logistics, household goods logistics, marine cargo legal liability, errors and omissions, surety bonds and special-projects coverage. Its transportation practice separately lists motor truck cargo and brokerage liability and contingent cargo among its exclusive and sponsored products for trucking and logistics clients. ^4,5Company-reported. Marine Cargo 'Coverage Options' list and Transportation 'exclusive and sponsored products' list; exclusions and policy wording are not published.

HUB describes marine cargo insurance as covering damage, loss or theft of freight while it is in transit by land, sea or air, and separately offers stock throughput insurance that covers goods from the manufacturing stage through final delivery. ⁹Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim.

Not described in the reviewed sources.

Published per-shipment or per-conveyance limits for HUB-placed cargo coverage were not found on this page. ⁹Not publicly disclosed. Checked the marine insurance product page on 2026-09-23; limits are set on the quote and declarations.

Heffernan describes interactive online tools for remote declaration issuance and claim reporting, plus sales-tracking tools, for its cargo program. Its transportation practice separately lists fleet safety and training, a benchmarking system, medical triage and first aid, and a workers' compensation mod-reduction plan, along with a DOT compliance platform. ^4,5Company-reported. Marine Cargo 'Tools for Cargo Insurance' section and Transportation risk-management and safety-services lists.

Not described in the reviewed sources.

Existing cargo policyholders manage shipments and claims through an online portal login; new buyers reach the program through a Request a Quote or Request a Consultation contact route, or by calling the number listed for the cargo claims team. ⁴Company-reported. Marine Cargo page's portal sign-in and consultation-request sections.

HUB directs prospects to contact a HUB marine insurance specialist to arrange coverage; no online quote flow is described. ⁹Company-reported. Product-page call to action as read 2026-09-23.