Heffernan Insurance Brokers vs HUB International: How Do They Compare for Cargo and Transit Insurance?

Online declaration tools and in-house underwriting authority come with Heffernan Insurance Brokers' marine cargo program for freight forwarders; HUB International brokers marine cargo through a dedicated marine practice.

Heffernan fits freight forwarders, customs brokers and movers seeking a cargo claims team and declarations portal; HUB fits importers and logistics businesses covering freight across land, sea or air or from manufacture through delivery. ^1,^2,³

What Are the Key Differences Between Heffernan Insurance Brokers and HUB International Cargo and Transit Insurance?

Compare Forwarder Claims Support and Marine Options

Heffernan’s marine cargo program for freight forwarders and logistics companies is described with in-house underwriting authority and a claims division that can adjust, settle and issue payments. HUB brokers marine cargo through a dedicated marine practice and does not underwrite. A Heffernan cargo client is in a named program with claimed payment authority; a HUB client is in a placement whose writer varies. ¹ ³

Forwarder Bundles and Trucking Versus Throughput

Heffernan’s cargo program lists general merchandise and household-goods logistics, marine cargo legal liability, E&O, surety bonds and special projects; transportation lists motor truck cargo and brokerage liability and contingent cargo. HUB describes freight damage, loss or theft by land, sea or air, and stock throughput from manufacturing through final delivery. Heffernan names freight forwarders, customs brokers, movers, trucking, final-mile, couriers, fuel haulers and towing; HUB names ocean cargo, passenger vessels, ports, ship owners, shipyards and supply-chain logistics. ¹ ² ³

Portal Tools Versus a Specialist Contact

Heffernan existing cargo clients use a portal for declarations and claims; new buyers request a quote or consultation. HUB directs prospects to a marine insurance specialist with no online quote flow described. Heffernan also lists fleet safety, benchmarking, medical triage and DOT compliance on transportation. Neither page names the issuing insurer or publishes limits. ¹ ² ³

What Should You Confirm in Heffernan Insurance Brokers and HUB International Cargo and Transit Insurance Quotes?

Ask Heffernan whether you are in the marine cargo program or transportation motor truck cargo, and who signs claim checks. ¹ ²
Ask HUB whether the placement is marine cargo, stock throughput, or both. ³
Get the issuing carrier from both. ¹ ³
Confirm whether you need contingent cargo and brokerage liability (Heffernan transportation) or factory-to-delivery throughput (HUB). ² ³

Heffernan Insurance Brokers vs HUB International Cargo and Transit Compared

Heffernan Insurance Brokers vs HUB International: Cargo and Transit Insurance: documented features by provider

Criteria	Heffernan Marine Cargo and Transportation Insurance Programs	HUB International Marine Cargo Insurance Brokerage
Who It’s For	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. ^1,²Company-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. ³Company-reported. Product-page target-market list; not a published underwriting appetite by cargo type or region.
How to Apply	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. ¹Company-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. ³Company-reported. Product-page call to action as read 2026-09-23.
Coverage Features	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. ^1,²Company-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. ³Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim.
Role in This Line	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. ¹Company-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. ³Company-reported. Marine insurance product page as read 2026-09-23; the page does not name an issuing insurer.