HUB International vs 
Marsh McLennan Agency: How Do They Compare for Cargo and Transit 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. 5,6
Read the Marsh McLennan Agency profile
Read the Marsh McLennan Agency Cargo and Transit Insurance page
What Is Cargo and Transit Insurance?
Cargo coverage fits a shipper protecting goods it owns or a carrier responsible for another party’s goods. The quote needs to match who bears the loss, the shipment route and storage stops. 8,9,10,11
Key Differences in Cargo and Transit Insurance
What the Coverage Follows
HUB describes marine cargo protection for freight loss, damage, or theft while moving by land, sea, or air, and separately describes stock-throughput from manufacturing through final delivery. MMA lists stock-throughput, inland transit, motor-truck cargo, and ocean marine as placement choices. A manufacturer whose goods pass through storage, processing, and several carriers should map those handoffs with each broker and ask whether one form follows the goods end to end. 4 7
Program and Buyer Fit
HUB names a dedicated marine practice serving cargo, vessel, port, terminal, shipyard, shipowner, and supply-chain businesses; its page directs prospects to a marine specialist. MMA similarly invites an adviser or specialist contact, but its reviewed cargo overview does not name a dedicated marine practice or those maritime client segments. Vessel operators and port businesses should ask who handles marine-specific exposures and whether the placement includes liability beyond goods in transit. 4 7
What to Confirm in Cargo and Transit Insurance Quotes
- Ask HUB how stock-throughput coordinates manufacturing locations, transit, and final delivery under the quoted form.
- Ask MMA whether its placement supports vessel, port, terminal, and shipyard operations or is limited to cargo interests.
- Ask each provider to identify the carrier, reporting process, and shipment stages insured by the proposed form. 4 7
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: Cargo and Transit Insurance: documented features by provider
| Criteria | HUB International Marine Cargo Insurance Brokerage | Marsh McLennan Agency cargo transit (official overview) |
|---|---|---|
| Role in This Line | HUB brokers marine cargo insurance through a dedicated marine practice rather than underwriting the policy itself. 4Company-reported. Marine insurance product page as read 2026-09-23; the page does not name an issuing insurer. | Marsh McLennan Agency describes arranging cargo transit for the audience stated on the cited product page. 7Company-reported. cargo transit 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 | The marine insurance page does not name an issuing insurer for cargo coverage; HUB places marine business with carriers that vary by placement. 4Not found in reviewed sources. Checked the marine insurance product page on 2026-09-23; no carrier is disclosed there. | Confirm in your quote. |
| Who It’s For | HUB says its marine practice serves ocean cargo, passenger vessel, port and terminal operator, ship owner and operator, shipyard, and supply chain and logistics businesses. 4Company-reported. Product-page target-market list; not a published underwriting appetite by cargo type or region. | Businesses storing or transporting goods; source discusses domestic and international supply chains. 7Company-reported. cargo transit 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 marine cargo insurance as covering damage, loss or theft of freight while it is in transit by land, sea or air, and separately offers stock throughput insurance that covers goods from the manufacturing stage through final delivery. 4Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim. | The cited product page describes cargo stock-throughput, inland transit, motor-truck cargo, and ocean marine options for goods in storage or transit. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 7Company-reported. cargo transit 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 | Published per-shipment or per-conveyance limits for HUB-placed cargo coverage were not found on this page. 4Not publicly disclosed. Checked the marine insurance product page on 2026-09-23; limits are set on the quote and declarations. | 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. |
| How to Apply | HUB directs prospects to contact a HUB marine insurance specialist to arrange coverage; 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. 7Company-reported. cargo transit 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 Cargo and Transit 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.
- Marine Insurance Broker Policy & Coverage. HUB International; Marine Cargo Insurance section: protects inventory while in transit, covers damage, loss or theft of freight during transportation by land, sea or air; Stock Throughput Insurance section; Marine Liabilities list; target markets including Ocean Cargo and Supply Chain/Logistics; Contact a HUB marine insurance specialist. 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.
- Cargo Insurance | MMA. Marsh McLennan Agency; Cargo insurance coverage; cargo stock throughput, inland transit, motor truck cargo, and ocean marine sections. Accessed 2026-09-30.
Cargo and Transit Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
- Shipping Options. International Trade Administration, U.S. Department of Commerce; Export Shipping Basics; Tips on International Shipping from U.S.; Working with Freight Forwarders. Accessed 2026-09-16.
- Special Documents. International Trade Administration, U.S. Department of Commerce; Insurance Certificate bullet. Accessed 2026-09-16.
- Motor Truck Cargo Legal Liability Coverage. American Association of Insurance Services, Inc.; hosted by National Unity; Coverage and Property Covered pp.1–2; Perils Excluded pp.6–7; Valuation p.8; How Much We Pay p.9; Transit definition p.13. Accessed 2026-09-16.
