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
Markel Insurance: Specialty Business and Products
Markel Insurance is Markel Group's specialty and small-business insurance business, with offerings across packages, workers' compensation, cyber, professional and management liability, property, marine, and surety. Products use different insurers and distribution routes, so compare the issuer and terms shown on the specific quote. 5,6
What Is Product Liability Insurance?
Product liability can cover claims that a product you make, import, distribute or sell injured someone or damaged property. If your business handles products, describe every role in the supply chain and ask how the quote treats product damage and recall costs. 8,9,10,11,12
Key Differences in Product Liability Insurance
Casualty program and related coverages
HUB brokers product liability with regional, national and specialty carriers and describes a casualty program addressing product injuries, property damage and contractual liability. It also lists recall coverage, crisis response and risk-financing assessments to set retentions, structures and limits. Markel describes product-liability options for product classes including food, cosmetics, machinery and toys, with occurrence or claims-made triggers. Manufacturers considering recall costs should ask how a separate recall placement coordinates with the liability policy. 4 7
Industry focus
HUB highlights transportation, construction, healthcare, hospitality, manufacturing and real estate as complex casualty sectors. Markel's class list names product categories rather than those industry groups, including automotive, dietary supplements and sporting goods. A business operating across several lines may want HUB's described risk-financing review; a product-specific Markel inquiry should identify the exact class and exposure. 4 7
What to Confirm in Product Liability Insurance Quotes
- Ask HUB which carriers would quote your product class, whether recall limits are separate, and what retention assessment includes.
- Ask Markel how the trigger and aggregate apply to your product and whether recall or crisis response must be placed separately.
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 reviewsMarkel Insurance
Review Score
2 rated sources
There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years.[4][3]
Read Markel Insurance reviewsOffering Details
HUB International vs Markel Insurance: Product Liability Insurance: documented features by provider
| Criteria | HUB International General & Product Liability Insurance Brokerage | Markel product liability (official overview) |
|---|---|---|
| Role in This Line | HUB brokers general and product liability insurance as part of its casualty practice, arranging coverage with regional, national and specialty carriers rather than underwriting the policy itself. 4Company-reported. Casualty product page, read 2026-09-23; the page does not name a specific issuing insurer. | Markel describes offering product liability for the audience stated on the cited product page. 7Company-reported. product liability marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Issuing Insurer | HUB says it maintains relationships with regional, national and specialty carriers for casualty placements, but the reviewed page does not name the insurer that would issue a given client's product liability policy. 4Not found in reviewed sources. Checked the casualty product page on 2026-09-23; the carrier for a specific placement depends on the quote. | Confirm in your quote. |
| Who It’s For | HUB highlights vertical expertise in transportation, construction, healthcare, hospitality, manufacturing and real estate as industries where it says commercial liability exposures, including product liability, are most complex. 4Company-reported. Casualty product page industry-expertise description; not an underwriting appetite statement. | Markel lists product liability for a wide variety of products, including automotive, clothing, cosmetics, food and beverage, dietary supplements, industrial machinery, metal goods, toys, and sporting goods. 7Company-reported. product liability marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Coverage Features | HUB says its General & Product Liability offering addresses injuries or property damage to the public arising from a client's premises or operations, its products, contractual liabilities, natural catastrophes, or violent events. 4Company-reported. Casualty product page scope-of-protection description; the issued policy's insuring agreements and exclusions control an actual claim. HUB pairs its product liability brokerage with related casualty coverages it also arranges, including product recall coverage, crisis-response support, sexual misconduct liability (SML), active-assailant protection and Violent Acts Liability insurance. 4Company-reported. Casualty product page complementary-coverages list; availability of each coverage depends on the client and placement. | The cited product page describes products-liability coverage options on an occurrence or claims-made basis for the product classes described on Markel's primary-casualty page. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 7Company-reported. product liability marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Limits and Retentions | Published product liability policy limits or retentions were not found on the reviewed page. 4Not publicly disclosed. Checked the casualty product page on 2026-09-23; limits are set through the risk-financing assessment and the quote. | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 7Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| Risk Services | HUB says its casualty team runs risk-financing assessments to set retention levels, program structures and coverage limits. 4Company-reported. Casualty product page strategic-approach description. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | The page invites prospective customers or brokers to contact Markel or the named underwriting team. The page does not establish a quote, bind, or coverage-effective timeline. 7Company-reported. product liability marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
Full Comparison
More HUB International vs Markel Insurance Comparisons
Other Product 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; General & Product Liability section: scope of protection for premises/operations, products, contractual liability, catastrophes and violent events; complementary casualty coverages (product recall, crisis response, SML, active assailant, Violent Acts Liability); risk-financing and strategic casualty approach; vertical industry expertise; carrier relationships. Accessed 2026-09-23.
Markel Insurance
- About us. Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc. Accessed 2026-09-28.
- Markel Group Inc. 2025 Form 10-K. U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28.
- Primary Casualty Insurance. Markel; Products section; product-liability options; occurrence and claims-made options; product classes listed on the page. Accessed 2026-09-30.
Product Liability Insurance Guide
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Facts + Statistics: Product liability. Insurance Information Institute; Product liability insurance opening definition (manufacturer, distributor, or seller; defective condition causing personal injury or damage); Product recall insurance sentence. Accessed 2026-09-16.
- Product liability, recall and contamination insurance. Insurance Information Institute; Product liability opening (design/manufacture/distribute/sell; injury, property damage or death; added to GL or stand-alone); What could go wrong? (roles; directions/warnings); Covering the costs of a product recall; Contamination insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability Coverage: premises, products liability and completed operations; major exclusions including damage to your work, impaired property, sistership liability and failure to perform; Limits of Insurance products and completed operations aggregate; glossary Sistership Liability. Accessed 2026-09-16.
- Commercial General Liability Coverage Form. ISO Properties, Inc.; specimen hosted by Hiscox; Recall exclusion p.5; Supplementary Payments pp.8–9; Section III limits p.10; V.16 and V.21 p.15, warnings/instructions continue p.16. Accessed 2026-09-16.
