HUB International vs Marsh: How Do They Compare for Equipment Breakdown Insurance?

HUB International spans manufacturers, processors and small businesses, standalone or inside a property policy; Marsh focuses on data center owners and operators through custom programs.

HUB fits manufacturers and small businesses comparing boiler-and-machinery tiers and downtime terms; Marsh fits data-center owners seeking equipment cover sized through probable-maximum-loss analysis. ^1,²

What Are the Key Differences Between HUB International and Marsh Equipment Breakdown Insurance?

HUB gives buyers named equipment lists, basic/broad/consequential tiers and a specific limit on Extra Expense; Marsh focuses on data centers and uses probable-maximum-loss studies to size a site program. ¹ ²

Manufacturing and Office Equipment Versus Data Centers

HUB targets manufacturers that must run continuously, processors of goods at scale, and small businesses protecting air conditioners, computers, refrigerators and ovens, listing boilers, generators, HVAC, transformers, elevators and copiers. Marsh names equipment breakdown as a main risk for data-center owners and operators because of concentrated, high-value equipment. Choose HUB if you run manufacturing equipment or protect office machinery and need tiered boiler coverage; choose Marsh if you operate a data center and need site-level equipment and downtime analysis. ¹ ²

Tiers Versus a Program Component

HUB describes basic, broad and consequential-damage coverage plus Extra Expense that does not include lost income unless combined with business income. Marsh lists equipment breakdown as one line among property damage, business interruption, delay in startup, cyber, general liability and contractual risks in a data-center program, not as named tiers. ¹ ²

Broker Contact Versus PML Consulting

HUB starts with contacting a HUB broker. Marsh’s published service is risk consulting that includes probable maximum loss analysis. HUB’s boiler page does not describe engineering inspections; Marsh’s page does not describe basic/broad/consequential options. Neither names the insurer. ¹ ²

What Should You Confirm in HUB International and Marsh Equipment Breakdown Insurance Quotes?

Ask HUB which tier is quoted, whether Extra Expense includes business income, and whether the policy is monoline or embedded. ¹
Ask Marsh whether equipment breakdown is available outside a data-center program and which insurer writes it. ²
Confirm how limits were set if Marsh runs a PML study. ²
Compare downtime wording: HUB’s Extra Expense versus Marsh’s business interruption and delay in startup. ¹ ²

HUB International vs Marsh Equipment Breakdown Insurance Compared

HUB International vs Marsh: Equipment Breakdown Insurance: documented features by provider

Criteria	HUB International Boiler and Machinery (Equipment Breakdown) Insurance Brokerage	Marsh Equipment Breakdown Insurance
Who It’s For	HUB targets this coverage at manufacturing companies running equipment that must operate continuously, businesses that process goods using electrical, mechanical, heating or refrigeration equipment at scale, and small businesses protecting equipment such as air conditioners, computers, refrigerators and ovens. ¹Company-reported. Product-page target-market description; not a published underwriting appetite.	Marsh names equipment breakdown among the main risks facing data center owners and operators, citing asset concentration and high-value, sensitive equipment as reasons a standard property policy can leave gaps for this exposure. ²Company-reported. Data center insurance page, Understanding your full exposure map section.
Coverage Features	HUB says the coverage it arranges pays the costs to repair or replace equipment damaged by a sudden, unforeseen breakdown, losses from the resulting downtime, and other property damage caused by the malfunctioning equipment, and lists manufacturing equipment (boilers, generators, engines, HVAC systems, transformers) and office equipment (elevators, computers, copiers, security systems) as typical covered items. ¹Company-reported. Product-page coverage description; the issued policy's definitions and exclusions control an actual claim. HUB describes three coverage options for equipment breakdown: basic, broad, and consequential-damage coverage for losses resulting from equipment failure, plus an Extra Expense component that covers costs to keep operating during a breakdown but excludes loss of income unless combined with business income coverage. ¹Company-reported. Product-page coverage-tier description.	Marsh lists equipment breakdown among the exposures a data center program can cover, alongside property damage, business interruption, delay in startup, cyber, general liability and some contractual risks. ²Company-reported. Data center insurance page FAQ; described as one line among several bundled into a data center program, not a standalone equipment breakdown product.
Role in This Line	HUB brokers boiler and machinery (equipment breakdown) insurance, available as a standalone monoline policy or embedded within a client's property policy, rather than underwriting the coverage itself. ¹Company-reported. Boiler and machinery product page, read 2026-09-23. The page does not name an issuing insurer.	Marsh's technology and digital infrastructure team arranges equipment breakdown coverage inside custom data center insurance programs. The reviewed page does not describe a standalone product. ²Company-reported. Data center insurance and risk management page.

Criteria

HUB International Boiler and Machinery (Equipment Breakdown) Insurance Brokerage

Marsh Equipment Breakdown Insurance

Who It’s For

HUB targets this coverage at manufacturing companies running equipment that must operate continuously, businesses that process goods using electrical, mechanical, heating or refrigeration equipment at scale, and small businesses protecting equipment such as air conditioners, computers, refrigerators and ovens. ¹Company-reported. Product-page target-market description; not a published underwriting appetite.

Marsh names equipment breakdown among the main risks facing data center owners and operators, citing asset concentration and high-value, sensitive equipment as reasons a standard property policy can leave gaps for this exposure. ²Company-reported. Data center insurance page, Understanding your full exposure map section.

Coverage Features

HUB says the coverage it arranges pays the costs to repair or replace equipment damaged by a sudden, unforeseen breakdown, losses from the resulting downtime, and other property damage caused by the malfunctioning equipment, and lists manufacturing equipment (boilers, generators, engines, HVAC systems, transformers) and office equipment (elevators, computers, copiers, security systems) as typical covered items. ¹Company-reported. Product-page coverage description; the issued policy's definitions and exclusions control an actual claim.

HUB describes three coverage options for equipment breakdown: basic, broad, and consequential-damage coverage for losses resulting from equipment failure, plus an Extra Expense component that covers costs to keep operating during a breakdown but excludes loss of income unless combined with business income coverage. ¹Company-reported. Product-page coverage-tier description.

Marsh lists equipment breakdown among the exposures a data center program can cover, alongside property damage, business interruption, delay in startup, cyber, general liability and some contractual risks. ²Company-reported. Data center insurance page FAQ; described as one line among several bundled into a data center program, not a standalone equipment breakdown product.

Role in This Line

HUB brokers boiler and machinery (equipment breakdown) insurance, available as a standalone monoline policy or embedded within a client's property policy, rather than underwriting the coverage itself. ¹Company-reported. Boiler and machinery product page, read 2026-09-23. The page does not name an issuing insurer.

Marsh's technology and digital infrastructure team arranges equipment breakdown coverage inside custom data center insurance programs. The reviewed page does not describe a standalone product. ²Company-reported. Data center insurance and risk management page.