HUB International vs 
Marsh McLennan Agency: How Do They Compare for Builders Risk 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 Marsh McLennan Agency?
Marsh McLennan Agency provides business insurance and employee health and benefits, alongside retirement, wealth, and private-client services across the United States and Canada. Its US small-business page lists six common coverage types and directs buyers to request a personalized quote by phone; the insurer and terms for a specific placement must be confirmed in the proposal. 6,7
What Is Builders Risk Insurance?
Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. 9,10,11,12
Key Differences in Builders Risk Insurance
Site Mitigation Services
HUB says its builders-risk solution pairs coverage with third-party site security, automated leak detection, and fire-resistant coatings, coordinated by construction specialists. Marsh McLennan Agency describes a Builders’ Risk Panel and examples of covered risks, but its reviewed page does not describe comparable site vendors. Project teams seeking prevention support should ask HUB which vendors serve the location and whether their work satisfies the selected carrier’s requirements; MMA buyers should request any risk-control services attached to the placement. 4 8
Carrier Requirements and Named Hazards
HUB describes a mobile app that shows carrier underwriting requirements, while Marsh McLennan Agency’s page names fire, theft, vandalism, and natural disasters as examples the panel addresses. The app may help a project team track conditions, but neither overview establishes that every requirement is satisfied or that an example peril is covered under every issued form. Get the carrier’s written conditions and compare them with the project’s security and water controls. 4 8
What to Confirm in Builders Risk Insurance Quotes
- Ask HUB which vendors and mitigation measures are available at the site, and whether the app requirements are conditions of coverage. 4
- Ask Marsh McLennan Agency for the actual form and limits for fire, theft, vandalism, and natural-disaster losses. 8
- Compare required safeguards, inspection timing, and responsibility for documenting compliance. 4 8
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 reviewsMarsh McLennan Agency
Review Score
2 rated sources
There are almost no public customer reviews of Marsh McLennan Agency (MMA). Trustpilot shows 3.2 out of 5, but from a single review, and BBB shows an A grade with four complaints closed in three years.[8][9][1]
Read Marsh McLennan Agency reviewsOffering Details
HUB International vs Marsh McLennan Agency: Builders Risk Insurance: documented features by provider
| Criteria | HUB Builder's Risk Insurance Solutions | Marsh McLennan Agency builders risk (official overview) |
|---|---|---|
| Role in This Line | HUB brokers builder's risk insurance and bundles it with a coordinated mitigation program rather than underwriting the policy itself. 4,5Company-reported. Builder's risk product page and 2024 launch press release, as read 2026-09-23; neither names an issuing insurer. | Marsh McLennan Agency describes arranging builders risk for the audience stated on the cited product page. 8Company-reported. builders risk marketed by marsh-mclennan-agency; 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 | Neither the product page nor the launch press release names an issuing insurer or carrier partner for this solution. 4,5Not found in reviewed sources. Checked both pages on 2026-09-23; the press release explicitly states it does not specify carrier partners. | Confirm in your quote. |
| Who It’s For | HUB markets this solution to project owners, general contractors and developers of both frame and non-frame construction projects. 5Company-reported. Launch press release target-market description. | Construction projects and clients described on the construction page; individual project eligibility is placement-specific. 8Company-reported. builders risk marketed by marsh-mclennan-agency; 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 describes builder's risk coverage for property used in construction, installation and renovation projects, protecting against theft, fire and water damage during the build. 4Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim. | The cited product page describes a Builders' Risk Panel for projects under construction or renovation, with example risks including fire, theft, vandalism, and natural disasters. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 8Company-reported. builders risk marketed by marsh-mclennan-agency; 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 | Confirm in your 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. 8Not 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 it pairs the policy with third-party vendors for site security, automated leak detection and fire-resistant coatings, plus a mobile app that shows carrier underwriting requirements, run by its construction insurance specialists. 4,5Company-reported. Product-page and press-release service description; a company-reported program, not an independently assessed outcome. | Confirm in your quote. |
| How to Apply | HUB directs prospects to connect with a broker or its construction insurance specialists for a project-specific assessment; no online quote flow is described. 4Company-reported. Product-page call to action as read 2026-09-23. | The page invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. 8Company-reported. builders risk marketed by marsh-mclennan-agency; 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 Marsh McLennan Agency Comparisons
Other Builders Risk 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.
- Builder's Risk Insurance Broker & Coverage Policy. HUB International; Coverage description for construction, installation and renovation projects; site security, water protection and fire resistance mitigation components; proprietary mobile app; frame and non-frame construction; Connect With a Broker. Accessed 2026-09-23.
- HUB International Launches Builder's Risk Insurance Solutions. HUB International; February 22, 2024 announcement naming project owners, general contractors and developers of frame and non-frame projects as the target market; third-party mitigation vendor coordination. Accessed 2026-09-23.
Marsh McLennan Agency
- Who We Are. Marsh McLennan Agency; Lines 193-195: ‘a business of Marsh’ and company-listed service lines across US and Canada. This does not establish the legal entity for an account, corporate ownership chart, or insurer role. Accessed 2026-09-29.
- Small Business Insurance Solutions. Marsh McLennan Agency; Lines 205-207: small-business audience and call invitation; lines 224-249 list six coverage categories and short descriptions; line 264 is an embedded form whose function is not stated. No form submitted. Accessed 2026-09-29.
- Construction Insurance | MMA. Marsh McLennan Agency; Builders risk; risks named for projects under construction or renovation; construction services. Accessed 2026-09-30.
Builders Risk Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
- Builders Risk Coverage Form. Insurance Services Office, Inc.; hosted by Touchpoint Markets; A.1–3 p.1; B.3.c p.11; C,D,E p.12. Accessed 2026-09-16.
- Builders Risk Application Tip Sheet. US Assure; General policy application tips p.1; Remodeling tips p.2. Accessed 2026-09-16.
