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 Umbrella and Excess Liability 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 Umbrella and Excess Liability Insurance?
Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. 8,9,10,11,12
Key Differences in Umbrella and Excess Liability Insurance
Industry Reach and Placement
HUB places umbrella/excess through its casualty practice and names transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate among the industries it serves. Liberty Mutual lists umbrella/excess in its commercial and wholesale coverage catalogues and says commercial products are distributed through brokers and agents; the reviewed record does not identify comparable target industries for this line. A business in HUB’s named sectors can start with that stated practice scope, while Liberty Mutual eligibility needs confirmation for the specific operation. 4 7
Services Around the Layer
HUB says its casualty program applies risk-services, claims, litigation and analytics expertise to umbrella placements. Liberty Mutual’s record identifies the line and its distribution route but does not describe umbrella-specific advisory services. Ask what services attach to the actual Liberty Mutual placement and which HUB services apply to your account. 4 6
What to Confirm in Umbrella and Excess Liability Insurance Quotes
- Does HUB’s casualty team place your industry and which risk, claims or analytics services will apply to your umbrella program?
- For Liberty Mutual, does the wholesale listing cover your business class, and who will quote and issue the policy?
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: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | HUB International Umbrella and Excess Liability Insurance Brokerage | Umbrella and Excess Liability |
|---|---|---|
| Role in This Line | HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. 4Company-reported. Casualty insurance product page as read 2026-09-23; the page does not name an issuing insurer. | Liberty Mutual lists umbrella and excess liability in its commercial catalogue and in a wholesale-industry coverage list. 6,7Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Umbrella and Excess Liability. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. |
| Issuing Insurer | The casualty insurance page does not name an issuing insurer for umbrella or excess coverage; HUB places this coverage with insurers that vary by client and program. 4Not found in reviewed sources. Checked the casualty insurance page on 2026-09-23; no carrier is disclosed there. | Confirm in your quote. |
| Who It’s For | HUB says its casualty expertise, which includes umbrella and excess liability, spans transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate industries. 4Company-reported. Product-page industry list for the broader casualty practice; not umbrella-specific eligibility criteria. | The commercial business pages distribute products through brokers and agents. 6,7Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Umbrella and Excess Liability. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. |
| Coverage Features | HUB describes umbrella and excess liability coverage as protection against potentially catastrophic liability claim settlements and judgments that exceed the limits of a client's underlying general liability, auto or employers'-liability policies. 4Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim. | Its wholesale page names umbrella/excess cover as an option for that industry; limits and attachment terms are not established here. 6,7Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Umbrella and Excess Liability. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. |
| Limits and Retentions | Published umbrella or excess limit amounts, attachment points or premium information were not found on the casualty insurance page. 4Not publicly disclosed. Checked the casualty insurance page on 2026-09-23; limits are set on the quote and declarations. | Confirm in your quote. |
| Risk Services | HUB describes a "Global Reach, Local Touch" approach built on extensive carrier relationships and says it applies risk-services, claims, litigation and analytics expertise across its casualty programs, which include umbrella and excess placements. 4Company-reported. Product-page service description; a company-reported capability describing the broader casualty practice, not umbrella-specific service detail. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | 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. 6,7Not 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 Umbrella and Excess Liability 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.
- Comprehensive Casualty Insurance Solutions. HUB International; Umbrella & Excess Liability section: protection for potentially catastrophic liability claim settlements and judgments; General & Product Liability section; Global Reach, Local Touch carrier-relationship description; industries served list; Connect With a HUB casualty insurance broker. 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.
- Wholesale Distribution. 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.
Umbrella and Excess Liability Insurance Guide
- Liability Insurance. Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
- Lines of Insurance. California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
- Coverage Hub. Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
- Products. Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.
