--- title: "HUB International vs Marsh Builders Risk Insurance" description: "HUB brokers builders risk with site-mitigation vendors; MMA places it through a property practice describing foundations and temporary structures." canonical: "https://spot.insure/compare/hub-international-vs-marsh/builders-risk" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/hub-international-vs-marsh/builders-risk) # HUB International vs Marsh Builders Risk Insurance HUB brokers builders risk with site-mitigation vendors; MMA places it through a property practice describing foundations and temporary structures. ## Research Scope and Use Use this comparison to evaluate HUB International and Marsh for Builders Risk 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 pairs a brokered builders-risk policy with leak detection, site security, fire-resistant coatings and an underwriting-requirements app. Marsh McLennan Agency places the line inside its property practice, covering buildings under construction including foundations and limited coverage for others' materials. [4](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [5](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") [10](https://www.marshmma.com/us/solutions/property.html "Property Insurance") ## What Is HUB International? HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [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? Marsh is a global insurance broker and risk advisor. In the United States it places coverage through core Marsh teams and through Marsh McLennan Agency for many middle-market buyers, including technology, cyber, property, casualty and benefits programs. [6](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [7](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [8](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [9](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") [Marsh profile](https://spot.insure/insurance-providers/marsh) ## What Is Builders Risk Insurance? Builders risk insurance addresses physical property losses during building construction. [11](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") ## Key Differences in Builders Risk Insurance ### Dedicated Builders-Risk Solution Versus Property Subsection HUB and Marsh McLennan Agency both broker this line. HUB launched a builder's risk insurance solution aimed at project owners, general contractors and developers of frame and non-frame work. MMA treats builders' risk as a subsection of property insurance rather than a separately branded product. [5](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") [4](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [10](https://www.marshmma.com/us/solutions/property.html "Property Insurance") ### Mitigation Vendors Versus Property-Practice Analytics HUB says it coordinates third-party vendors for site security, automated leak detection and fire-resistant coatings, plus a mobile app of carrier underwriting requirements. MMA describes hazard assessment and valuation, loss and catastrophe modeling, claims advocacy, and pre- and post-loss risk control for the property practice. [4](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [5](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") [10](https://www.marshmma.com/us/solutions/property.html "Property Insurance") ### Fire, Theft and Water Versus Construction-Property Scope HUB describes coverage for property used in construction, installation and renovation against theft, fire and water damage during the build. MMA describes additions and alterations, foundations, temporary structures, insured-owned materials, and limited cover for materials belonging to others. [4](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [10](https://www.marshmma.com/us/solutions/property.html "Property Insurance") ## What to Confirm in Builders Risk Insurance Quotes - Ask both which insurer would issue the policy; neither reviewed page names one. [4](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [10](https://www.marshmma.com/us/solutions/property.html "Property Insurance") - Confirm whether HUB’s mitigation vendors are included and which MMA modeling or claims-advocacy services attach. [4](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [10](https://www.marshmma.com/us/solutions/property.html "Property Insurance") - Check frame versus non-frame treatment on the HUB quote and how MMA’s form treats foundations and others’ materials. [5](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") [10](https://www.marshmma.com/us/solutions/property.html "Property Insurance") - Get limits in writing from both specialists. [4](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [10](https://www.marshmma.com/us/solutions/property.html "Property Insurance") ## Offering Details | Criteria | HUB Builder's Risk Insurance Solutions | Marsh McLennan Agency Builders' Risk Insurance | | --- | --- | --- | | 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](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [5](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") (Evidence: Company-reported; scope: Builder's risk product page and 2024 launch press release, as read 2026-09-23; neither names an issuing insurer..) | Marsh McLennan Agency (MMA), Marsh's middle-market subsidiary, places builders' risk insurance as part of its broader property insurance practice, not as a separately branded product. [10](https://www.marshmma.com/us/solutions/property.html "Property Insurance") (Evidence: Company-reported; scope: MMA property insurance page, Builders' Risk subsection..) | | Issuing Insurer | Neither the product page nor the launch press release names an issuing insurer or carrier partner for this solution. [4](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [5](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") (Evidence: Not found in reviewed sources; scope: Checked both pages on 2026-09-23; the press release explicitly states it does not specify carrier partners..) | The reviewed page does not name a specific builders' risk insurer. [10](https://www.marshmma.com/us/solutions/property.html "Property Insurance") (Evidence: Not publicly disclosed; scope: MMA property insurance page as read on 2026-09-23..) | | Who It’s For | HUB markets this solution to project owners, general contractors and developers of both frame and non-frame construction projects. [5](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") (Evidence: Company-reported; scope: Launch press release target-market description..) | Not described in the reviewed sources. | | 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. [4](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") (Evidence: Company-reported; scope: Product-page coverage description; the issued policy and its exclusions control an actual claim..) | MMA says builders' risk coverage addresses risks unique to a building under construction, including additions and alterations, foundations, temporary structures, and materials and supplies owned by the insured, and on a limited basis, materials and supplies belonging to others. [10](https://www.marshmma.com/us/solutions/property.html "Property Insurance") (Evidence: Company-reported; scope: MMA property insurance page; illustrative description, not a specific policy form..) | | 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](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [5](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") (Evidence: Company-reported; scope: Product-page and press-release service description; a company-reported program, not an independently assessed outcome..) | MMA says its property practice offers hazard assessment and valuation services, loss and catastrophe modeling, claims advocacy, pre- and post-loss risk control, and program design expertise drawn from its global market experience. [10](https://www.marshmma.com/us/solutions/property.html "Property Insurance") (Evidence: Company-reported; scope: MMA property insurance page, Benefits of Property Insurance and Builders' Risk sections; these services are described for the property practice generally, not exclusively for builders' risk..) | | 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. [4](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23..) | You work with an MMA property specialist directly; the page names a National Accounts Property Practice Leader and describes advisor-led placement rather than an online quote. [10](https://www.marshmma.com/us/solutions/property.html "Property Insurance") (Evidence: Company-reported; scope: MMA property insurance page..) | ## Full Comparison - [HUB International vs Marsh](https://spot.insure/compare/hub-international-vs-marsh): all coverage lines, business roles, service and claims. - [What Is Builders Risk Insurance?](https://spot.insure/coverage/builders-risk): Builders risk helps protect a construction project and its materials against covered property damage while work is underway. - [HUB International vs Marsh Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-marsh/commercial-property) - [HUB International vs Marsh Crime Insurance](https://spot.insure/compare/hub-international-vs-marsh/crime) - [HUB International vs Marsh Cyber Insurance](https://spot.insure/compare/hub-international-vs-marsh/cyber) - [HUB International vs Marsh D&O Insurance](https://spot.insure/compare/hub-international-vs-marsh/directors-officers) - [HUB International vs Marsh Employee Health Benefits](https://spot.insure/compare/hub-international-vs-marsh/employee-health-benefits) - [HUB International vs Marsh Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-marsh/employment-practices) - [HUB International vs Marsh Equipment Breakdown Insurance](https://spot.insure/compare/hub-international-vs-marsh/equipment-breakdown) - [HUB International vs Marsh Fidelity Bonds](https://spot.insure/compare/hub-international-vs-marsh/fidelity-bonds) - [HUB International vs Marsh Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-marsh/fiduciary) - [HUB International vs Marsh Kidnap and Ransom Insurance](https://spot.insure/compare/hub-international-vs-marsh/kidnap-ransom) - [HUB International vs Marsh Management Liability Insurance](https://spot.insure/compare/hub-international-vs-marsh/management-liability) - [HUB International vs Marsh Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-marsh/professional-errors-omissions) - [HUB International vs Marsh Surety Bonds](https://spot.insure/compare/hub-international-vs-marsh/surety-bonds) - [HUB International vs Marsh Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-marsh/technology-errors-omissions) - [HUB International vs Marsh Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-marsh/workers-compensation) - [Alliance Risk vs HUB International Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/builders-risk) - [Alliance Risk vs Marsh Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/builders-risk) - [Chubb vs HUB International Builders Risk Insurance](https://spot.insure/compare/chubb-vs-hub-international/builders-risk) - [Chubb vs Marsh Builders Risk Insurance](https://spot.insure/compare/chubb-vs-marsh/builders-risk) - [Coverdash vs HUB International Builders Risk Insurance](https://spot.insure/compare/coverdash-vs-hub-international/builders-risk) - [Coverdash vs Marsh Builders Risk Insurance](https://spot.insure/compare/coverdash-vs-marsh/builders-risk) ## 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. [Builder's Risk Insurance Broker & Coverage Policy](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/). 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. 5. [HUB International Launches Builder's Risk Insurance Solutions](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-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 6. [Marsh | Leader in risk, strategy, people, and investments](https://www.marsh.com/en/home.html). Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16. 7. [Compensation guide for US clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf). Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16. 8. [Marsh McLennan Agency (MMA)](https://www.marsh.com/en/services/marsh-mclennan-agency.html). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16. 9. [Technology | Insurance Broking & Risk Management](https://www.marsh.com/en/industries/technology.html). Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16. 10. [Property Insurance](https://www.marshmma.com/us/solutions/property.html). Marsh McLennan Agency; Builders' Risk subsection under Property Insurance: risks unique to a building during construction, including additions and alterations, foundations, temporary structures, materials and supplies; Program design expertise; Benefits of Property Insurance. Accessed 2026-09-23. ### Builders Risk Insurance Guide 11. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16. Updated 2026-09-23. 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/hub-international-vs-marsh/builders-risk.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)