---
title: "HUB International vs Liberty Mutual: Crime Insurance"
description: "HUB arranges crime coverage for private, public, and nonprofit organizations, while Liberty Mutual includes crime in its ProShield management-liability package."
canonical: "https://spot.insure/compare/hub-international-vs-liberty-mutual/crime"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "hub-international-vs-liberty-mutual"
provider-a: "hub-international"
provider-b: "liberty-mutual"
coverage-line: "crime"
---

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/crime)

## Agent Guide

**What this page is:** Focused comparison of HUB International and Liberty Mutual for Crime 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 Crime 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 Crime Insurance: how do they differ?
- Which is better for Crime Insurance, HUB International or Liberty Mutual?
- What does HUB International or Liberty Mutual publish about Crime Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Crime Insurance from HUB International or Liberty Mutual?

**Key facts:**
- Line: Crime 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 2026-09-30. 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
- [Crime Insurance guide](https://spot.insure/coverage/crime) — 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 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 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 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 Crime Insurance](https://spot.insure/compare/aig-vs-hub-international/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs HUB International Crime Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs HUB International Crime Insurance](https://spot.insure/compare/aon-vs-hub-international/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs HUB International Crime Insurance](https://spot.insure/compare/baldwin-vs-hub-international/crime) — sibling comparison (other line, or other pair for this line)

# HUB International vs Liberty Mutual: How Do They Compare for Crime Insurance?

HUB arranges crime coverage for private, public, and nonprofit organizations, while Liberty Mutual includes crime in its ProShield management-liability package.

## Research Scope and Use

Use this comparison to evaluate HUB International and Liberty Mutual for Crime 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.

## Summary

HUB lists employee and vendor theft, forgery, asset misappropriation, computer fraud, and funds-transfer fraud. Liberty Mutual places employee dishonesty, embezzlement, safe burglary, and computer fraud in ProShield, a package for private and nonprofit organizations. [4](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")

## 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 Crime Insurance?

Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions "Crime Non-Financial Applications and Forms") [10](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions") [11](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html "Social Engineering Fraud Insurance") [12](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3 "Commercial Crime Coverage Application")

## Key Differences in Crime Insurance

### Standalone Brokerage or Bundled Package

HUB describes itself as a broker that places commercial crime coverage, while Liberty Mutual lists crime as part of ProShield, a package combining management-liability coverages. That distinction affects how you compare the proposal: ask HUB which carrier and related lines it can place for your organization, and ask Liberty Mutual how ProShield’s other coverages share or separate limits. [4](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")

### Fraud Scenarios Listed

HUB names employee theft, vendor theft, forgery, asset misappropriation, computer fraud, and funds-transfer fraud. Liberty Mutual’s overview lists employee dishonesty, embezzlement, safe burglary, computer fraud, and other crime exposures. Both records mention computer and insider-related losses, while HUB specifically calls out vendor theft and funds transfers and Liberty Mutual names safe burglary. Use those differences to check whether your own payment controls, vendor relationships, and physical cash exposures fit the proposed wording. [4](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")

### Organization Type

HUB says its crime placements serve private, public, and not-for-profit organizations. Liberty Mutual scopes ProShield to private and not-for-profit organizations, without establishing an individual applicant’s eligibility. Public companies therefore have an explicit audience statement in HUB’s reviewed description; ask Liberty Mutual whether the specific organization can access ProShield. [4](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")

## What to Confirm in Crime Insurance Quotes

- Ask HUB to identify the proposed carrier, limits, deductible, and whether vendor theft and fraudulent funds transfers are included in the quoted form. [4](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [4](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")
- Ask Liberty Mutual for ProShield’s crime schedule and the exact treatment of computer fraud and safe burglary. [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")
- If you are a public company, ask Liberty Mutual to confirm ProShield eligibility for your entity type. [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")

## Offering Details

| Criteria | HUB International Crime Insurance Brokerage | Liberty Mutual ProShield Crime coverage |
| --- | --- | --- |
| Role in This Line | HUB brokers commercial crime insurance rather than underwriting the coverage itself. [4](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Company-reported; scope: Crime insurance product page as read 2026-09-23; the page does not name an issuing insurer..) | Liberty Mutual includes crime coverage in its ProShield management-liability package for private and not-for-profit organizations. [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: 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 | The crime insurance page does not name an issuing insurer; HUB places crime coverage with carriers that vary by client and placement. [4](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Not found in reviewed sources; scope: Checked the crime insurance product page on 2026-09-23; no carrier is disclosed there..) | Confirm in your quote. |
| Who It’s For | HUB says crime coverage is available for private, public and not-for-profit organizations. [4](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Company-reported; scope: Product-page organization-type list; not a published underwriting appetite by size or industry..) | The source scopes ProShield to private and not-for-profit organizations; a specific organization’s eligibility is not established. [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: 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 lists crime coverage types it arranges as employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds transfer fraud. [4](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Company-reported; scope: Product-page coverage list; the issued policy and its exclusions control an actual claim..)<br><br>HUB cites industry statistics that organizations lose about 5% of revenue to fraud each year, that fraud often takes about 18 months to detect, and that more than 23% of fraud cases result in losses of $1 million or more, to frame the need for crime coverage. [4](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Company-reported; scope: Product-page statistics are company-cited figures, not independently verified by Spot, and are general fraud statistics rather than HUB-specific claims data..) | The ProShield page lists employee dishonesty, embezzlement, safe burglary, computer fraud and other crime exposures, plus selected coverage enhancements; these are marketing summaries, not policy terms. [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: 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 | Published policy limits, deductibles or premium information for HUB-placed crime coverage were not found on the product page. [4](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Not publicly disclosed; scope: Checked the crime insurance product page on 2026-09-23; 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. [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) |
| Risk Services | Confirm in your quote. | Liberty Mutual describes ProShield as one package policy that combines multiple management-liability coverages and is designed to reduce the need for separate endorsements. [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: 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 through its business-insurance contact page; no online quote flow is described. [4](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23..) | Confirm in your quote. |

## Full Comparison

- [HUB International vs Liberty Mutual](https://spot.insure/compare/hub-international-vs-liberty-mutual): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms.
- [HUB International vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/cyber)
- [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 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 Crime Insurance](https://spot.insure/compare/aig-vs-hub-international/crime)
- [AIG vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/crime)
- [Alliance Risk vs HUB International Crime Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/crime)
- [Aon vs HUB International Crime Insurance](https://spot.insure/compare/aon-vs-hub-international/crime)
- [Aon vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/crime)
- [The Baldwin Group vs HUB International Crime Insurance](https://spot.insure/compare/baldwin-vs-hub-international/crime)

## Sources

### 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. [Crime Insurance Brokers](https://www.hubinternational.com/products/business-insurance/crime-insurance/). HUB International; Fraud-loss statistics; coverage types: employee theft, vendor theft, forgery, asset misappropriation, computer fraud, funds transfer fraud; organization types: private, public, not-for-profit; Connect With a Broker. Accessed 2026-09-23.

### 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. [ProShield](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/). Liberty Mutual Business Insurance; Opening paragraphs identify package combining directors and officers, employment practices, fiduciary, and crime coverages; D&O and crime sections describe examples of exposures and selected coverage features. Examples are not policy terms.. Accessed 2026-09-29.

### Crime 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; Crime. Accessed 2026-09-16.
9. [Crime Non-Financial Applications and Forms](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions). Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
10. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16.
11. [Social Engineering Fraud Insurance](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html). Chubb; Opening; coverage highlights. Accessed 2026-09-16.
12. [Commercial Crime Coverage Application](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3). Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. Accessed 2026-09-16.

Updated 2026-09-30. 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 Reviews

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 Reviews

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/crime.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)