What Is HUB International?
HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. 1,2,3
What is Insureon?
Insureon describes a small-business insurance agency and broker route with online quote entry and agent support. Its pages market several coverage types, but do not establish which insurer, policy form, state availability, or eligibility applies to a particular buyer. 6,7
What Is Inland Marine Insurance?
If your business moves equipment between sites or ships goods, inland marine can cover those property exposures; installation and other forms address different property categories. Match the quote to what you own, rent or hold for others. 9,10
Key Differences in Inland Marine Insurance
Types of Property and Perils
HUB describes inland marine as covering property transported over land, used at a jobsite or stored in a warehouse, including specialized items a standard BOP may not cover. Its examples include trade-show exhibits, cargo, sales samples, communications and medical equipment, computer systems and photography gear; it lists perils such as theft, weather, accidental damage and mysterious disappearance. Insureon focuses on movable contractor tools and equipment at jobsites, in transit or off-site and notes schedules vary by insurer. A buyer with specialized or display property should list those items explicitly rather than assume a contractor-tools quote includes them. 5 8
Broker Contact and Limit Setting
HUB’s marine practice works with domestic and international carriers and directs prospects to a broker; it notes that most inland-marine policies carry a deductible and a stated limit but publishes no amounts. Insureon offers an online quote request but leaves the insurer and particular-item eligibility to the quote. Buyers should provide values and locations to both and compare each scheduled item, deductible and limit in the proposal. 4 8
What to Confirm in Inland Marine Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
HUB International
Review Score
2 rated sources
Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.[7][6]
Read HUB International reviewsInsureon
Review Score
4 rated sources
Insureon's ratings are split. Trustpilot shows 4.5 out of 5 from 2,401 reviews, while ConsumerAffairs shows 1.0 from 344.[1][2]
Read Insureon reviewsOffering Details
HUB International vs Insureon: Inland Marine Insurance: documented features by provider
| Criteria | HUB International Inland Marine Insurance Brokerage | Insureon Tools and Equipment / Inland Marine Insurance |
|---|---|---|
| Role in This Line | HUB brokers inland marine insurance through its marine insurance practice, drawing on what it describes as relationships with domestic and international insurance carriers rather than underwriting the coverage itself. 4Company-reported. Marine product page; neither reviewed page names a specific issuing insurer for inland marine. | Insureon markets contractor tools and equipment coverage and identifies it as inland marine insurance. 8Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| Who It’s For | Confirm in your quote. | The page focuses on contractors and other small businesses with mobile equipment; it does not establish eligibility for a particular item or applicant. 8Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| Coverage Features | HUB's glossary defines inland marine insurance as domestic coverage that protects business property, such as equipment, machinery or products, while it is transported over land by truck or train, used at a job site, or stored in a warehouse, including specialized items a standard business owner's policy would not cover. 5Company-reported. Glossary page definition; the issued policy's schedule of covered property and exclusions controls an actual claim. HUB lists trade show exhibits, cargo items, sales samples, communication equipment, medical equipment, computer systems and photography equipment as examples of property commonly insured under an inland marine policy. 5Company-reported. Glossary page property examples; a specific policy's covered-property list is set on the quote and declarations. HUB says inland marine policies can cover perils including fire, hail, theft, water damage and wind, plus accidental damage and mysterious disappearance of covered property. 5Company-reported. Glossary page peril list; coverage for a specific peril depends on the policy form and endorsements. HUB's marine practice groups inland marine alongside related marine coverages it arranges, including marine cargo insurance, stock throughput insurance, protection and indemnity, charterers' liability and hull and machinery liability. 4Company-reported. Marine product page tailored-solutions list; not every listed coverage applies to a given inland marine client. | The page describes movable business tools and equipment at jobsites, in transit or off-site, including theft or damage examples; scheduled-item rules vary by insurer. 8Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| Limits and Retentions | HUB says most inland marine policies carry a deductible and a stated coverage limit, and warns that claiming a loss beyond the policy's coverage limit can lead to penalties, but the reviewed pages do not publish specific deductible or limit amounts. 5Company-reported. Glossary page policy-structure description; actual deductibles and limits are set on the quote and declarations. | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 8Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. |
| How to Apply | HUB's marine page directs prospective clients to "Connect With a Broker" or contact a HUB marine insurance specialist rather than an online quote or bind flow. 4Company-reported. Marine product page call-to-action text. | The cited Insureon product page provides an online quote request path; that route does not identify the insurer or guarantee that a quote will be offered or bound. 8Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
Full Comparison
More HUB International vs Insureon Comparisons
Other Inland Marine Insurance Comparisons
Sources
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. 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.
- Marine Insurance Broker Policy & Coverage. HUB International; Navigate the Changing Landscape: strong relationships with domestic and international insurance carriers; Tailored Solutions list including Marine Cargo Insurance, Stock Throughput Insurance, Protection & Indemnity, Charterers' Liability, Hull & Machinery Liability; Connect With a Broker call to action. Accessed 2026-09-23.
- Inland Marine Insurance Definition. HUB International; Definition; covered property types (trade show exhibits, cargo items, sales samples, communication equipment, medical equipment, computer systems, photography equipment); covered perils; deductible and coverage-limit explanation. Accessed 2026-09-23.
Insureon
- How Insureon Works. Insureon; Agent/broker and carrier roles (L82-88); application and advertised quote/payment route (L89-97); human support (L98-101). Accessed 2026-09-28.
- General Liability Insurance - Get Online Quotes. Insureon; Coverage/product overview; illustrative third-party claims; quote CTA. Accessed 2026-09-29.
- Tools & Equipment Insurance for Contractors - Get Online Quotes. Insureon; Product definition and inland-marine label L67-L85; audience L150-L188; quote route and exclusions L244-L278. Accessed 2026-09-29.
Inland Marine Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery. Accessed 2026-09-16.
- Inland Marine Policy: Contractors’ Equipment. Markel American Insurance Company / American Association of Insurance Services; hosted by Florida Department of Management Services; PDF p.8 declarations; attached Contractors’ Equipment printed pp.1–13 (PDF pp.18–30); replacement-cost endorsement PDF p.34. Accessed 2026-09-16.
