HUB International vs 
Liberty Mutual: How Do They Compare for Commercial Auto Insurance?
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. 5,6
What Is Commercial Auto Insurance?
Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. 8,9,10,11
What Are the Key Differences Between HUB International and Liberty Mutual Commercial Auto Insurance?
Named options for mixed vehicle use
HUB lists long- and short-haul options, hired and non-owned auto, uninsured or underinsured motorist protection, medical payments, towing and lease gap, in addition to liability for bodily injury and property damage. Liberty Mutual names liability, physical damage, bodily injury and uninsured-motorist coverage, while leaving the actual protection to policy terms. For a fleet with leased vehicles or employees using personal cars, ask HUB which options fit and have Liberty Mutual identify equivalent endorsements in its quote. 4 7
Program assessment and risk support
HUB says it benchmarks programs with risk and analytics tools and offers Fleet Risk Management and Workplace Safety Management alongside its brokerage. Liberty Mutual says its underwriters tailor a solution around industry, fleet, location and vehicle use. A buyer comparing these routes should determine whether it needs ongoing fleet-risk work as well as an insurer’s underwriting review; the published descriptions do not establish identical services. 4 7
What Should You Confirm in HUB International and Liberty Mutual Commercial Auto Insurance Quotes?
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 Commercial Auto Insurance Compared
HUB International vs Liberty Mutual: Commercial Auto Insurance: documented features by provider
| Criteria | HUB International Commercial Auto Insurance Brokerage | Commercial Auto and Fleet |
|---|---|---|
| Role in This Line | HUB brokers commercial auto insurance for fleets and transportation businesses rather than underwriting the policy itself. 4Company-reported. Commercial auto product page as read 2026-09-23; the page does not name an issuing insurer. | Liberty Mutual describes commercial-auto insurance for businesses with commercial vehicles. 7Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Auto and Fleet. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. |
| Issuing Insurer | The commercial auto product page does not name an issuing insurer; HUB places commercial auto business with insurers that vary by client and placement. 4Not found in reviewed sources. Checked the commercial auto product page on 2026-09-23; no carrier is disclosed there. | Confirm in your quote. |
| Who It’s For | HUB positions this line for businesses operating commercial auto fleets and transportation-industry providers. 4Company-reported. Product-page description; not a published underwriting appetite by fleet size or vehicle class. | The company says underwriters tailor solutions to industry, fleet, location and vehicle use. 7Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Auto and Fleet. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. |
| Coverage Features | HUB lists commercial auto coverage options including long- and short-haul transportation, hired and non-owned auto exposures, uninsured/underinsured motorist protection, medical payments, towing and lease gap coverage, alongside property damage and bodily injury protection. 4Company-reported. Product-page coverage list; the issued policy and its exclusions control an actual claim. | Its page names liability, physical damage, bodily injury and uninsured-motorist coverages; policy terms determine the actual protection. 7Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Auto and Fleet. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. |
| Risk Services | HUB says it applies complex risk and analytics tools to benchmark programs and reduce total cost of risk, and cross-promotes Fleet Risk Management and Workplace Safety Management as complementary services for commercial auto clients. 4Company-reported. Product-page service description; a company-reported capability, not an independently assessed outcome. | Confirm in your quote. |
| How to Apply | HUB directs prospects to contact a HUB broker to get started; no online quote or bind flow is described on the page. 4Company-reported. 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. 7Not found in reviewed sources. 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 Commercial Auto
Commercial Auto Pages for HUB International and Liberty Mutual
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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.
- Commercial Auto Insurance Broker Policy & Coverage. HUB International; Coverage list: long- and short-haul transportation, hired and non-owned exposures, uninsured/underinsured motorists, medical payments, towing, lease gap; property damage and bodily injury; fleet-risk and complex risk analytics services; Contact a HUB broker. 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.
- Commercial Auto and Fleet. Liberty Mutual Business Insurance; ‘Solutions for complex risks’ names liability, physical damage, bodily injury and uninsured motorists; ‘Expertise that delivers’ says underwriting is tailored to industry, fleet, location and usage; ‘Better control over claims’ describes auto liability claims resources. Company marketing claims are not an independent outcome study. Accessed 2026-09-29.
Sources for the Commercial Auto Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Commercial Automobile: Coverage, Classification and Limits. Accessed 2026-09-16.
- Auto Insurance. NAIC; Coverages. Accessed 2026-09-16.
- Business Vehicle Insurance. Insurance Information Institute; Will My Personal Auto Policy Cover Business Use?; What Vehicles Are Covered?; What Coverage Do I Need if Employees Drive Their Personal Vehicles for Business?; Does a Business Umbrella Cover Autos?; Do I Need a Business Auto Policy?; Be Sure the Right Insured Is on the Policy. Accessed 2026-09-16.
- Business Auto Coverage Form. Insurance Services Office, Inc.; hosted by National General; I.A, printed/PDF page 1; II.A.1, printed/PDF page 2; III.C–D, printed/PDF page 6; II.B.6, printed/PDF page 3; III.B.3, printed/PDF page 6. Accessed 2026-09-16.
