HUB International vs 
Liberty Mutual: How Do They Compare for Equipment Breakdown 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
Read the HUB International profile
Read the HUB International Equipment Breakdown Insurance page
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 Equipment Breakdown Insurance?
Equipment-breakdown coverage can help repair covered machinery or building equipment after a mechanical or electrical failure. It fits businesses that depend on equipment to operate; check whether lost income, spoilage and utility failures are included. 9,10,11,12
Key Differences in Equipment Breakdown Insurance
Standalone or embedded placement versus reinsurance
HUB says it brokers equipment-breakdown coverage either as a standalone policy or within property coverage. Liberty Mutual’s Equipment Re material describes reinsurance and leaves a business buyer’s purchase route unspecified. If you want a standalone placement, ask HUB for both structures and Liberty Mutual for the retail carrier path. 4 7
Downtime wording needs a policy-level comparison
HUB describes repair or replacement plus downtime losses and distinguishes Extra Expense from business-income coverage. Liberty Mutual says business income and extra expenses apply only when included in the base policy. Buyers should compare whether continuing expenses and lost revenue are treated separately. 4 7
What to Confirm in Equipment Breakdown 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 reviewsLiberty Mutual
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 reviewsOffering Details
HUB International vs Liberty Mutual: Equipment Breakdown Insurance: documented features by provider
| Criteria | HUB International Boiler and Machinery (Equipment Breakdown) Insurance Brokerage | Commercial Equipment Breakdown |
|---|---|---|
| Role in This Line | HUB brokers boiler and machinery (equipment breakdown) insurance, available as a standalone monoline policy or embedded within a client's property policy, rather than underwriting the coverage itself. 4Company-reported. Boiler and machinery product page, read 2026-09-23. The page does not name an issuing insurer. | Liberty Mutual Equipment Re describes commercial equipment-breakdown reinsurance and individualized coverages; this page does not establish the placement route for a particular business. 7,8Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Equipment Breakdown. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. |
| Issuing Insurer | No insurer is named for equipment breakdown coverage on the product page; the carrier depends on the placement. 4Not found in reviewed sources. Checked the boiler and machinery product page on 2026-09-23. | Confirm in your quote. |
| Who It’s For | HUB targets this coverage at manufacturing companies running equipment that must operate continuously, businesses that process goods using electrical, mechanical, heating or refrigeration equipment at scale, and small businesses protecting equipment such as air conditioners, computers, refrigerators and ovens. 4Company-reported. Product-page target-market description; not a published underwriting appetite. | The page provides a direct Equipment Re team contact; it does not show an online purchase flow. 7,8Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Equipment Breakdown. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. |
| Coverage Features | HUB says the coverage it arranges pays the costs to repair or replace equipment damaged by a sudden, unforeseen breakdown, losses from the resulting downtime, and other property damage caused by the malfunctioning equipment, and lists manufacturing equipment (boilers, generators, engines, HVAC systems, transformers) and office equipment (elevators, computers, copiers, security systems) as typical covered items. 4Company-reported. Product-page coverage description; the issued policy's definitions and exclusions control an actual claim. HUB describes three coverage options for equipment breakdown: basic, broad, and consequential-damage coverage for losses resulting from equipment failure, plus an Extra Expense component that covers costs to keep operating during a breakdown but excludes loss of income unless combined with business income coverage. 4Company-reported. Product-page coverage-tier description. | The page names electrical, mechanical and pressure-system breakdown examples and resulting business-income and extra expenses only when included in the base policy; it does not establish terms for an individual business. 7,8Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Equipment Breakdown. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. |
| Limits and Retentions | Published policy limits or retentions for equipment breakdown coverage were not found on the product page. 4Not publicly disclosed. Checked the boiler and machinery product page on 2026-09-23; limits are set on the quote and declarations. | Confirm in your quote. |
| Risk Services | The boiler and machinery product page does not describe engineering inspections or other line-specific risk-control services. 4Not found in reviewed sources. Checked the boiler and machinery product page on 2026-09-23. | Confirm in your quote. |
| How to Apply | HUB directs prospects to "contact a HUB broker to get started" rather than an online quote or bind flow. 4Company-reported. Product-page call to action. | 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. 7,8Not found in reviewed sources. Reviewed product-page scope only. This not-found disposition is not a claim that no digital route exists. |
Full Comparison
More HUB International vs Liberty Mutual Comparisons
Other Equipment Breakdown 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.
- Boiler and Machinery Equipment Insurance Coverage. HUB International; What is Boiler and Machinery Insurance?; What does Boiler and Machinery Insurance cover?; covered manufacturing and office equipment examples; basic, broad and consequential-damage coverage options; Extra Expense coverage description; Contact a HUB broker call to action. Accessed 2026-09-23.
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.
- Products: Liberty Mutual Equipment Re. Liberty Mutual Business Insurance; ‘Commercial equipment breakdown’ names commercial equipment breakdown and covered electrical/mechanical/pressure-system failure examples; it describes reinsurance and individualized coverage. Do not apply personal service-line products to business buyers. 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.
Equipment Breakdown Insurance Guide
- Understanding Commercial Package Policies. Insurance Information Institute; Available CPP additions: Equipment breakdown. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Boiler and Machinery; Commercial Property: Covered Causes of Loss; Commercial Property: Time Element; Inland Marine; Coverage Forms and/or Specialty Coverages. Accessed 2026-09-16.
- Equipment Breakdown. Travelers; Definition and equipment list. Accessed 2026-09-16.
- HSB TechAdvantage Equipment Breakdown Coverage Form. The Hartford Steam Boiler Inspection and Insurance Company; G.1 Accident, PDF p.17; A.2.a–c p.1; C.2 pp.8–9; C pp.8–9; D pp.9–10; E.10 Valuation, PDF pp.13–14; G.10–11 pp.18–19; A.2.n p.5 (Off Premises Equipment Breakdown); A.2.p pp.5–6; A.2.r p.6; G.18 p.20 (Interruption of Service). Accessed 2026-09-16.
