---
title: "HUB International vs Marsh McLennan Agency: Commercial Property Insurance"
description: "HUB describes single-carrier, layered, parametric, captive, and reinsurance structures and reviews insurance-to-value; Marsh McLennan Agency describes tailored placement without published structures."
canonical: "https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/commercial-property"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "hub-international-vs-marsh-mclennan-agency"
provider-a: "hub-international"
provider-b: "marsh-mclennan-agency"
coverage-line: "commercial-property"
---

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[Human-readable page](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/commercial-property)

## Agent Guide

**What this page is:** Focused comparison of HUB International and Marsh McLennan Agency for Commercial Property Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Commercial Property Insurance questions about HUB International versus Marsh McLennan Agency. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- HUB International vs Marsh McLennan Agency for Commercial Property Insurance: how do they differ?
- Which is better for Commercial Property Insurance, HUB International or Marsh McLennan Agency?
- What does HUB International or Marsh McLennan Agency publish about Commercial Property Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Commercial Property Insurance from HUB International or Marsh McLennan Agency?

**Key facts:**
- Line: Commercial Property Insurance. Providers: HUB International and Marsh McLennan Agency.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [HUB International vs Marsh McLennan Agency](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency) — parent: all coverage lines for this pair
- [Commercial Property Insurance guide](https://spot.insure/coverage/commercial-property) — coverage explainer for this line
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile (evidence)
- [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) — provider profile (evidence)
- [HUB International vs Marsh McLennan Agency Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/builders-risk) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Marsh McLennan Agency Cargo and Transit Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Marsh McLennan Agency Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/crime) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/cyber) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/employment-practices) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/fiduciary) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs HUB International Commercial Property Insurance](https://spot.insure/compare/aig-vs-hub-international/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs HUB International Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs HUB International Commercial Property Insurance](https://spot.insure/compare/aon-vs-hub-international/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/commercial-property) — sibling comparison (other line, or other pair for this line)

# HUB International vs Marsh McLennan Agency: How Do They Compare for Commercial Property Insurance?

HUB describes single-carrier, layered, parametric, captive, and reinsurance structures and reviews insurance-to-value; Marsh McLennan Agency describes tailored placement without published structures.

## Research Scope and Use

Use this comparison to evaluate HUB International and Marsh McLennan Agency for Commercial Property Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

HUB describes single-carrier, layered, parametric, captive, and reinsurance structures and reviews insurance-to-value; Marsh McLennan Agency describes tailored placement without published structures. [4](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [7](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA")

## 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](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## 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](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [6](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions")

[Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency)

## What Is Commercial Property Insurance?

Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop "Business Interruption Insurance/Businessowner’s Policies (BOP)") [10](https://www.tdi.texas.gov/pubs/consumer/cb021.html "Commercial property insurance guide")

## Key Differences in Commercial Property Insurance

### Coverage and Valuation

HUB says it can structure property as a single-carrier or layered program, or use parametric, captive, and reinsurance solutions. MMA describes property coverage tailored to industry and risks but does not list alternative structures. Businesses with multiple locations or catastrophe exposure should ask how much limit is available and how layers attach. [4](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [7](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA")

### Placement and Buyer Service

HUB explains insurance-to-value to help avoid coinsurance penalties and reduced claim payments, and lists building, contents, interruption, equipment breakdown, and catastrophe perils. MMA does not publish these coverage details. Ask each broker how property values are calculated and whether named-storm availability varies by location. [4](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [7](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA")

## What to Confirm in Commercial Property Insurance Quotes

- Ask HUB how insurance-to-value was calculated and whether named-storm, parametric, or layered terms apply to your location. [4](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers")
- Ask MMA which property forms and catastrophe options the selected carrier can quote. [7](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA")
- Ask both to identify the insurer, scheduled locations, valuation basis, limits, deductibles, and exclusions. [4](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [7](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA")

## Offering Details

| Criteria | HUB International Commercial Property Insurance Brokerage | Marsh McLennan Agency commercial property (official overview) |
| --- | --- | --- |
| Role in This Line | HUB brokers commercial property insurance and structures placement programs for clients rather than underwriting the coverage itself. [4](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") (Evidence: Company-reported; scope: Commercial property product page as read 2026-09-23; the page does not name an issuing insurer..) | Marsh McLennan Agency describes arranging commercial property for the audience stated on the cited product page. [7](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") (Evidence: Company-reported; scope: commercial property 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 commercial property page does not name an issuing insurer; HUB places property business with carriers that vary by client and program structure. [4](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") (Evidence: Not found in reviewed sources; scope: Checked the commercial property product page on 2026-09-23; no carrier is disclosed there..) | Confirm in your quote. |
| Who It’s For | HUB says commercial property coverage availability spans agribusiness, construction, education, energy, financial institutions, healthcare, hospitality, manufacturing, real estate and technology sectors. [4](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") (Evidence: Company-reported; scope: Product-page industries-served list; not a published underwriting appetite by property type or region..) | Commercial property organizations; exact property classes and terms are set through placement. [7](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") (Evidence: Company-reported; scope: commercial property 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 lists coverage components including building structure protection, business personal property (equipment, furniture and inventory), business interruption and contingent business interruption, equipment breakdown, and natural catastrophe perils such as wind, hail and fire, noting that named-storm availability varies. [4](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") (Evidence: Company-reported; scope: Product-page coverage list; the issued policy and its exclusions control an actual claim..) | The cited product page describes commercial property insurance tailored to an organization's industry and stated property risks. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [7](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") (Evidence: Company-reported; scope: commercial property 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. [7](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) |
| Risk Services | HUB says it can structure commercial property programs as traditional single-carrier placements, layered programs, parametric insurance that pays on a predefined trigger such as a wind-speed threshold, or captive and reinsurance solutions, and explains insurance-to-value to help clients avoid coinsurance penalties or reduced claim payouts. [4](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") (Evidence: Company-reported; scope: Product-page program-structure and advisory description; a company-reported service capability..) | Confirm in your quote. |
| How to Apply | HUB directs prospects to connect with a broker or specialist advisor through its contact portal; no online quote flow is described on the page. [4](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") (Evidence: Company-reported; scope: 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. [7](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") (Evidence: Company-reported; scope: commercial property 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

- [HUB International vs Marsh McLennan Agency](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency): all coverage lines, business roles, service and claims.
- [What Is Commercial Property Insurance?](https://spot.insure/coverage/commercial-property): Commercial property insurance can protect buildings, equipment and inventory, while valuation, deductibles, exclusions and income protection affect your cost after a loss.
- [HUB International vs Marsh McLennan Agency Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/builders-risk)
- [HUB International vs Marsh McLennan Agency Cargo and Transit Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/cargo-transit)
- [HUB International vs Marsh McLennan Agency Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/commercial-auto)
- [HUB International vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/crime)
- [HUB International vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/cyber)
- [HUB International vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/employment-practices)
- [HUB International vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/fiduciary)
- [HUB International vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/general-liability)
- [AIG vs HUB International Commercial Property Insurance](https://spot.insure/compare/aig-vs-hub-international/commercial-property)
- [AIG vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/commercial-property)
- [Alliance Risk vs HUB International Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/commercial-property)
- [Alliance Risk vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/commercial-property)
- [Aon vs HUB International Commercial Property Insurance](https://spot.insure/compare/aon-vs-hub-international/commercial-property)
- [Aon vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/commercial-property)

## Sources

### HUB International

1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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.
4. [Commercial (Business) Property Insurance Brokers](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/). HUB International; Coverage components: building structure, business personal property, business interruption, contingent business interruption, equipment breakdown, natural catastrophe perils; program structures: traditional, layered, parametric, captive, reinsurance; insurance-to-value explanation; industries served list; Connect With a Broker. Accessed 2026-09-23.

### Marsh McLennan Agency

5. [Who We Are](https://www.marshmma.com/us/mma/about-us.html). 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.
6. [Small Business Insurance Solutions](https://www.marshmma.com/us/solutions/small-business.html). 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.
7. [Property Insurance | MMA](https://www.marshmma.com/us/solutions/property.html). Marsh McLennan Agency; Commercial property insurance tailored to industry and unique risks; property page sections.. Accessed 2026-09-30.

### Commercial Property Insurance Guide

8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; What Should I Expect from a Broker-Agent; Commercial Property: Coverage Sections, Limits of Insurance, and Coinsurance; Covered Causes of Loss; Valuation Types; Inland Marine. Accessed 2026-09-16.
9. [Business Interruption Insurance/Businessowner’s Policies (BOP)](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16.
10. [Commercial property insurance guide](https://www.tdi.texas.gov/pubs/consumer/cb021.html). Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. Accessed 2026-09-16.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## HUB International Reviews

Review Score: 5.6 / 10 from 2 rated sources, equally weighted.

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-.

- BBB: BBB business grade A- (BBB letter grade). BBB profile for HUB International, Chicago headquarters and its corporate-owned locations (United States). HUB is a global broker; BBB coverage is US/Canada and split by office profile. Period: current page, accessed 2026-09-29; 3 complaints closed in last 3 years. Checked 2026-09-29. [HUB International | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202)
- BBB customer reviews: BBB customer reviews 1 (out of 5); 7 reviews. Customer reviews left on the same BBB headquarters profile (HQ and corporate-owned US locations). Small sample. Checked 2026-09-29. [HUB International | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202/customer-reviews)
- BBB Canada West: BBB business grade A- (BBB letter grade). BBB profile for HUB International Canada West ULC, Burnaby BC. Covers one Canadian regional entity only, not the whole group. Period: current page; 13 complaints closed in last 3 years; 3 customer reviews. Checked 2026-09-29. [HUB International Canada West ULC | BBB Reviews](https://www.bbb.org/ca/bc/burnaby/profile/insurance-services-office/hub-international-insurance-brokers-hub-coastal-0037-120326/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/hub-international/reviews).

## Marsh McLennan Agency Reviews

Review Score: 8.2 / 10 from 2 rated sources, equally weighted.

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.

- Trustpilot: TrustScore 3.2 (out of 5); 1 reviews. Trustpilot profile for marshmma.com, MMA's own domain. Unclaimed; MMA has not invited reviews. Period: checked 2026-09-29. Checked 2026-09-29. [marshmma.com Trustpilot profile](https://www.trustpilot.com/review/marshmma.com)
- Trustpilot: TrustScore (Marsh brand) 1.3 (out of 5); 115 reviews. Trustpilot page for marsh.com, the global Marsh brand (mostly individual and non-US customers). This is a different entity from MMA. Period: checked 2026-09-29. Checked 2026-09-29. [Marsh Reviews](https://www.trustpilot.com/review/www.marsh.com)
- BBB: BBB business grade A. BBB San Diego-area profile for Marsh & McLennan Agency LLC (accredited). MMA has separate BBB profiles per office; Dayton and Schaumburg both show A+. Checked 2026-09-29. [Marsh & McLennan Agency LLC (San Diego) BBB](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103)
- BBB: Complaints 4. Same San Diego-area profile; zero customer reviews. No client-count denominator. Period: closed in the last three years (checked 2026-09-29). Checked 2026-09-29. [Marsh & McLennan Agency LLC — BBB Complaints](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/complaints); [Marsh & McLennan Agency LLC — BBB Reviews](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/marsh-mclennan-agency/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/commercial-property.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)