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 Liberty Mutual Business Insurance?
Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. 6,7
What Is Builders Risk Insurance?
Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. 10,11,12,13
What Are the Key Differences Between HUB International and Liberty Mutual Builders Risk Insurance?
Site Mitigation and Insurer Risk Teams
HUB says it pairs builders-risk placement with vendors for site security, automated leak detection, and fire-resistant coatings, plus an app that displays carrier underwriting requirements. Liberty Mutual describes underwriting, risk-engineering, and claims teams working together on complex property risks. HUB's examples concern physical site controls and project information; Liberty Mutual describes teams involved in property-risk decisions. Ask who supplies each service and whether it is included or separately priced. 4 9
Placement and Construction Scope
HUB brokers coverage for project owners, general contractors, and developers, including frame and non-frame work, and directs prospects to a project-specific assessment. Liberty Mutual lists a proprietary form and a stand-alone Specialty Property offering for contractors and property owners across building and infrastructure projects. If your site uses non-standard construction or needs vendor controls, send the same project description and protection plan to both channels to see how their proposals respond. 4 8
What Should You Confirm in HUB International and Liberty Mutual Builders Risk Insurance Quotes?
- Ask HUB which security, leak-detection, or coating vendors are available at your site, and who bears their cost. 4
- Ask Liberty Mutual which form and risk-engineering services apply to the location and construction type. 9
- Compare coverage for theft, fire, and water damage, including each policy's exclusions and deductibles. 4 8
HUB International and Liberty Mutual Review Scores for 2026
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
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 reviewsLiberty Mutual Review Score
Review Score
2 rated sources
Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.[4][1]
Read Liberty Mutual reviewsHUB International vs Liberty Mutual Builders Risk Insurance Compared
HUB International vs Liberty Mutual: Builders Risk Insurance: documented features by provider
| Criteria | HUB Builder's Risk Insurance Solutions | Liberty Mutual Builder’s Risk |
|---|---|---|
| Role in This Line | HUB brokers builder's risk insurance and bundles it with a coordinated mitigation program rather than underwriting the policy itself. 4,5Company-reported. Builder's risk product page and 2024 launch press release, as read 2026-09-23; neither names an issuing insurer. | Liberty Mutual lists Builder’s Risk in its property portfolio and describes both a named proprietary form and a stand-alone Specialty Property offering. 8,9Company-reported. Liberty Mutual’s cited product or program overview 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. |
| Issuing Insurer | Neither the product page nor the launch press release names an issuing insurer or carrier partner for this solution. 4,5Not found in reviewed sources. Checked both pages on 2026-09-23; the press release explicitly states it does not specify carrier partners. | Confirm in your quote. |
| Who It’s For | HUB markets this solution to project owners, general contractors and developers of both frame and non-frame construction projects. 5Company-reported. Launch press release target-market description. | The page addresses contractors and property owners with single projects or portfolios and describes construction projects ranging from buildings to infrastructure; its published project thresholds apply only to the named program option. 8,9Company-reported. Liberty Mutual’s cited product or program overview 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 describes builder's risk coverage for property used in construction, installation and renovation projects, protecting against theft, fire and water damage during the build. 4Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim. | The builder’s-risk page describes protection during construction, including materials, labor, construction-management fees, temporary structures and landscaping materials; actual coverage remains form-specific. 8,9Company-reported. Liberty Mutual’s cited product or program overview 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 | Confirm in your quote. | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 8,9Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. |
| Risk Services | 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. 4,5Company-reported. Product-page and press-release service description; a company-reported program, not an independently assessed outcome. | Liberty Mutual describes property underwriting, risk-engineering and claims teams working together on complex property risks. 8,9Company-reported. Liberty Mutual’s cited product or program overview 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. |
| How to Apply | HUB directs prospects to connect with a broker or its construction insurance specialists for a project-specific assessment; no online quote flow is described. 4Company-reported. Product-page call to action as read 2026-09-23. | Confirm in your quote. |
Related Pages for HUB International vs Liberty Mutual Builders Risk
Builders Risk Insurance Pages for HUB International and Liberty Mutual
Other Coverage Lines Compared for HUB International vs Liberty Mutual
Other Builders Risk Insurance Provider Comparisons
Sources for HUB International vs Liberty Mutual
Sources About 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.
- Builder's Risk Insurance Broker & Coverage Policy. 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.
- HUB International Launches Builder's 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.
Sources About Liberty Mutual
- Company Profile. Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide). Accessed 2026-09-29.
- Commercial Insurance Solutions. Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary. Accessed 2026-09-29.
- Property. Liberty Mutual Business Insurance; Property solutions section describes commercial property, business-interruption protection, Builder's Risk, Equipment Breakdown, Inland Marine and Ocean Marine; named Premier Property Protector, RM Select, and Liberty Mutual Property Protector product descriptions; states standalone and package options. Coverage terms depend on the policy. Accessed 2026-09-29.
- Builder’s risk. Liberty Mutual Business Insurance; Official product page: single-project or portfolio scope; contractors and property owners; Premier Protector — Builder’s Risk and stand-alone Specialty Property offerings; covered materials, labor, construction management fees, temporary structures and landscaping materials. Source also describes project-specific program design, underwriting and claims support. Accessed 2026-09-30.
Sources for the Builders Risk Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
- Builders Risk Coverage Form. Insurance Services Office, Inc.; hosted by Touchpoint Markets; A.1–3 p.1; B.3.c p.11; C,D,E p.12. Accessed 2026-09-16.
- Builders Risk Application Tip Sheet. US Assure; General policy application tips p.1; Remodeling tips p.2. Accessed 2026-09-16.
