--- title: "HUB International vs Liberty Mutual: Cargo and Transit Insurance" description: "HUB describes marine cargo by land, sea, and air and stock throughput from manufacturing to delivery; Liberty Mutual lists stock throughput for wholesale and distribution." canonical: "https://spot.insure/compare/hub-international-vs-liberty-mutual/cargo-transit" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "hub-international-vs-liberty-mutual" provider-a: "hub-international" provider-b: "liberty-mutual" coverage-line: "cargo-transit" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/hub-international-vs-liberty-mutual/cargo-transit) ## Agent Guide **What this page is:** Focused comparison of HUB International and Liberty Mutual for Cargo and Transit 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 Cargo and Transit Insurance questions about HUB International versus Liberty Mutual. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - HUB International vs Liberty Mutual for Cargo and Transit Insurance: how do they differ? - Which is better for Cargo and Transit Insurance, HUB International or Liberty Mutual? - What does HUB International or Liberty Mutual publish about Cargo and Transit Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Cargo and Transit Insurance from HUB International or Liberty Mutual? **Key facts:** - Line: Cargo and Transit Insurance. Providers: HUB International and Liberty Mutual. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - 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 in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [HUB International vs Liberty Mutual](https://spot.insure/compare/hub-international-vs-liberty-mutual) — parent: all coverage lines for this pair - [Cargo and Transit Insurance guide](https://spot.insure/coverage/cargo-transit) — coverage explainer for this line - [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile (evidence) - [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence) - [HUB International vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/builders-risk) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-liberty-mutual/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/commercial-auto) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/commercial-property) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Crime Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/cyber) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual D&O Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/directors-officers) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/employment-practices) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Equipment Breakdown Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/hub-international-vs-liberty-mutual/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/fiduciary) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/general-liability) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/inland-marine) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Kidnap and Ransom Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/kidnap-ransom) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Management Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/management-liability) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Medical Malpractice Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/medical-malpractice) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Surety Bonds](https://spot.insure/compare/hub-international-vs-liberty-mutual/surety-bonds) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Telehealth Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/virtual-care-telehealth) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-hub-international/cargo-transit) — sibling comparison (other line, or other pair for this line) - [AIG vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/cargo-transit) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/cargo-transit) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/cargo-transit) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/cargo-transit) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/cargo-transit) — sibling comparison (other line, or other pair for this line) # HUB International vs Liberty Mutual: How Do They Compare for Cargo and Transit Insurance? HUB describes marine cargo by land, sea, and air and stock throughput from manufacturing to delivery; Liberty Mutual lists stock throughput for wholesale and distribution. ## How to Use the HUB International vs Liberty Mutual Cargo and Transit Insurance Comparison Use this comparison to evaluate HUB International and Liberty Mutual for Cargo and Transit Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## HUB International vs Liberty Mutual Cargo and Transit Insurance Summary HUB describes marine cargo in transit by land, sea, or air and a separate stock-throughput path from manufacturing through delivery; Liberty Mutual lists the line for wholesale and distribution. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [7](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution") ## 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](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [HUB International profile](https://spot.insure/insurance-providers/hub-international) ## 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. [5](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [6](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) ## What Is Cargo and Transit Insurance? Cargo coverage fits a shipper protecting goods it owns or a carrier responsible for another party’s goods. The quote needs to match who bears the loss, the shipment route and storage stops. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://www.trade.gov/shipping-options "Shipping Options") [10](https://www.trade.gov/special-documents "Special Documents") [11](https://www.nationalunity.com/National/MotorTruckCargoLiability.pdf "Motor Truck Cargo Legal Liability Coverage") ## What Are the Key Differences Between HUB International and Liberty Mutual Cargo and Transit Insurance? ### Transit Modes and the Stock-Throughput Period HUB describes marine cargo for freight damage, loss, or theft while moving by land, sea, or air, and separately describes stock throughput as covering goods from manufacturing through final delivery. Liberty Mutual lists cargo stock throughput among options in its wholesale and distribution materials. A manufacturer can map production, storage, and delivery stages against HUB’s description, then ask Liberty Mutual to identify which of those points appear in its proposed wording. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [7](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution") ### Intended Operations and Placement Questions HUB lists ocean cargo, supply-chain and logistics firms, ports, ship owners and operators, passenger vessels, and shipyards among its marine-practice markets. Liberty Mutual’s stock-throughput listing is specifically presented in a wholesale and distribution context. A port operator or logistics company should describe its responsibility for customer goods; a wholesaler should provide inventory values and locations. Those operational details help clarify which proposed line and insurer respond to each exposure. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [7](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution") ## What Should You Confirm in HUB International and Liberty Mutual Cargo and Transit Insurance Quotes? - Ask HUB to show how the proposed wording treats manufacturing sites, storage points, and final delivery legs. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") - Ask Liberty Mutual to identify the stock-throughput form and map its covered stages to your wholesale inventory. [7](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution") - Compare modes, valuation, limits, loading and unloading, and the policy’s treatment of third-party goods. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [7](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution") ## HUB International vs Liberty Mutual Cargo and Transit Compared | Criteria | HUB International Marine Cargo Insurance Brokerage | Wholesale cargo stock-throughput coverage | | --- | --- | --- | | Role in This Line | HUB brokers marine cargo insurance through a dedicated marine practice rather than underwriting the policy itself. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Marine insurance product page as read 2026-09-23; the page does not name an issuing insurer..) | Liberty Mutual lists cargo stock-throughput coverage among options for wholesale and distribution businesses. [7](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Wholesale cargo stock-throughput coverage. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | | Issuing Insurer | The marine insurance page does not name an issuing insurer for cargo coverage; HUB places marine business with carriers that vary by placement. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") (Evidence: Not found in reviewed sources; scope: Checked the marine insurance product page on 2026-09-23; no carrier is disclosed there..) | Confirm in your quote. | | Who It’s For | 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. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page target-market list; not a published underwriting appetite by cargo type or region..) | The page addresses wholesale and distributor customers; ask a broker about the applicable product and insurer. [7](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Wholesale cargo stock-throughput coverage. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | | Coverage Features | 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. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page coverage description; the issued policy and its exclusions control an actual claim..) | The page describes cargo stock throughput in the context of wholesale/distribution; it does not define policy wording or all transit exposures. [7](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Wholesale cargo stock-throughput coverage. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | | Limits and Retentions | Published per-shipment or per-conveyance limits for HUB-placed cargo coverage were not found on this page. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") (Evidence: Not publicly disclosed; scope: Checked the marine insurance product page on 2026-09-23; limits are set on the quote and declarations..) | Confirm in your quote. | | How to Apply | HUB directs prospects to contact a HUB marine insurance specialist to arrange coverage; no online quote flow is described. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23..) | The cited product page does not establish an online application or policy-binding path; ask the listed team or your broker/agent how this product is placed. [7](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution") (Evidence: Not found in reviewed sources; scope: Reviewed product-page scope only. This not-found disposition is not a claim that no digital route exists..) | ## Related Pages for HUB International vs Liberty Mutual - [HUB International vs Liberty Mutual](https://spot.insure/compare/hub-international-vs-liberty-mutual): all coverage lines, business roles, service and claims. - [What Is Cargo and Transit Insurance?](https://spot.insure/coverage/cargo-transit): Cargo coverage protects your financial interest in goods during transit; ownership, route, storage and late-delivery terms shape what the policy addresses. - [HUB International vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/builders-risk) - [HUB International vs Liberty Mutual Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-liberty-mutual/business-owners-policy) - [HUB International vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/commercial-auto) - [HUB International vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/commercial-property) - [HUB International vs Liberty Mutual Crime Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/crime) - [HUB International vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/cyber) - [HUB International vs Liberty Mutual D&O Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/directors-officers) - [HUB International vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/employment-practices) - [HUB International vs Liberty Mutual Equipment Breakdown Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/equipment-breakdown) - [HUB International vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/hub-international-vs-liberty-mutual/fidelity-bonds) - [HUB International vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/fiduciary) - [HUB International vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/general-liability) - [HUB International vs Liberty Mutual Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/inland-marine) - [HUB International vs Liberty Mutual Kidnap and Ransom Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/kidnap-ransom) - [HUB International vs Liberty Mutual Management Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/management-liability) - [HUB International vs Liberty Mutual Medical Malpractice Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/medical-malpractice) - [HUB International vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/professional-errors-omissions) - [HUB International vs Liberty Mutual Surety Bonds](https://spot.insure/compare/hub-international-vs-liberty-mutual/surety-bonds) - [HUB International vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/technology-errors-omissions) - [HUB International vs Liberty Mutual Telehealth Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/virtual-care-telehealth) - [HUB International vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/umbrella-excess) - [HUB International vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/workers-compensation) - [AIG vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-hub-international/cargo-transit) - [AIG vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/cargo-transit) - [Alliance Risk vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/cargo-transit) - [Alliance Risk vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/cargo-transit) - [Amelia Risk vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/cargo-transit) - [Amelia Risk vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/cargo-transit) ## Sources for HUB International vs Liberty Mutual ### Sources About HUB International 1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16. 2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16. 3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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. 4. [Marine Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/marine-insurance/). HUB International; Marine Cargo Insurance section: protects inventory while in transit, covers damage, loss or theft of freight during transportation by land, sea or air; Stock Throughput Insurance section; Marine Liabilities list; target markets including Ocean Cargo and Supply Chain/Logistics; Contact a HUB marine insurance specialist. Accessed 2026-09-23. ### Sources About Liberty Mutual 5. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/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. 6. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-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. 7. [Wholesale Distribution](https://business.libertymutual.com/industries/wholesale/). Liberty Mutual Business Insurance; Wholesale coverage options list includes cargo stock throughput, commercial auto, cyber, D&O, environmental, general liability, inland marine, management liability, property (including equipment breakdown), trade credit, umbrella/excess and workers compensation. Industry-specific examples, not universal eligibility.. Accessed 2026-09-29. ### Sources for the Cargo and Transit Insurance Guide 8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16. 9. [Shipping Options](https://www.trade.gov/shipping-options). International Trade Administration, U.S. Department of Commerce; Export Shipping Basics; Tips on International Shipping from U.S.; Working with Freight Forwarders. Accessed 2026-09-16. 10. [Special Documents](https://www.trade.gov/special-documents). International Trade Administration, U.S. Department of Commerce; Insurance Certificate bullet. Accessed 2026-09-16. 11. [Motor Truck Cargo Legal Liability Coverage](https://www.nationalunity.com/National/MotorTruckCargoLiability.pdf). American Association of Insurance Services, Inc.; hosted by National Unity; Coverage and Property Covered pp.1–2; Perils Excluded pp.6–7; Valuation p.8; How Much We Pay p.9; Transit definition p.13. Accessed 2026-09-16. Updated 2026-10-01. 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. ## HUB International Review Scores for 2026 Review Score: 5.6 / 10 from 2 rated sources, equally weighted. 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-. - BBB: BBB business grade A- (BBB letter grade). BBB profile for HUB International, Chicago headquarters and its corporate-owned locations (United States). HUB is a global broker; BBB coverage is US/Canada and split by office profile. Period: current page, accessed 2026-09-29; 3 complaints closed in last 3 years. Checked 2026-09-29. [HUB International | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202) - BBB customer reviews: BBB customer reviews 1 (out of 5); 7 reviews. Customer reviews left on the same BBB headquarters profile (HQ and corporate-owned US locations). Small sample. Checked 2026-09-29. [HUB International | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202/customer-reviews) - BBB Canada West: BBB business grade A- (BBB letter grade). BBB profile for HUB International Canada West ULC, Burnaby BC. Covers one Canadian regional entity only, not the whole group. Period: current page; 13 complaints closed in last 3 years; 3 customer reviews. Checked 2026-09-29. [HUB International Canada West ULC | BBB Reviews](https://www.bbb.org/ca/bc/burnaby/profile/insurance-services-office/hub-international-insurance-brokers-hub-coastal-0037-120326/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/hub-international/reviews). ## Liberty Mutual Review Scores for 2026 Review Score: 7.2 / 10 from 2 rated sources, equally weighted. 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. - NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance) - Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/liberty-mutual/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/hub-international-vs-liberty-mutual/cargo-transit.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)