---
title: "HUB International vs Marsh Equipment Breakdown Insurance"
description: "HUB brokers boiler and machinery in basic, broad and consequential tiers; Marsh places equipment breakdown inside data-center programs with PML analysis."
canonical: "https://spot.insure/compare/hub-international-vs-marsh/equipment-breakdown"
page-type: "line-comparison"
updated-at: "2026-09-23"
---
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# HUB International vs Marsh Equipment Breakdown Insurance
HUB brokers boiler and machinery in basic, broad and consequential tiers; Marsh places equipment breakdown inside data-center programs with PML analysis.
## Research Scope and Use
Use this comparison to evaluate HUB International and Marsh for Equipment Breakdown 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 brokers boiler and machinery as monoline or inside property, with basic, broad and consequential-damage options and Extra Expense that excludes lost income unless combined with business income. Marsh arranges equipment breakdown only inside custom data-center programs and uses probable maximum loss studies to size coverage. [4](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") [9](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")
## 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. [5](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [6](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [7](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [8](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management")
[Marsh profile](https://spot.insure/insurance-providers/marsh)
## What Is Equipment Breakdown Insurance?
Equipment breakdown insurance addresses damage from covered mechanical or electrical failures affecting business equipment. [10](https://www.iii.org/article/understanding-commercial-package-policies "Understanding Commercial Package Policies") [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")
## Key Differences in Equipment Breakdown Insurance
### 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. [4](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") [9](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")
### 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. [4](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") [9](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")
### 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. [4](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") [9](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")
## What to Confirm in Equipment Breakdown Insurance Quotes
- Ask HUB which tier is quoted, whether Extra Expense includes business income, and whether the policy is monoline or embedded. [4](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage")
- Ask Marsh whether equipment breakdown is available outside a data-center program and which insurer writes it. [9](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")
- Confirm how limits were set if Marsh runs a PML study. [9](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")
- Compare downtime wording: HUB’s Extra Expense versus Marsh’s business interruption and delay in startup. [4](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") [9](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management")
## Offering Details
| Criteria | HUB International Boiler and Machinery (Equipment Breakdown) Insurance Brokerage | Marsh Equipment Breakdown Insurance |
| --- | --- | --- |
| 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. [4](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") (Evidence: Company-reported; scope: 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. [9](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") (Evidence: Company-reported; scope: Data center insurance and risk management page..) |
| Issuing Insurer | No insurer is named for equipment breakdown coverage on the product page; the carrier depends on the placement. [4](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") (Evidence: Not found in reviewed sources; scope: Checked the boiler and machinery product page on 2026-09-23..) | The reviewed page does not name a specific equipment breakdown insurer. [9](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") (Evidence: Not publicly disclosed; scope: Data center insurance page as read on 2026-09-23..) |
| 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. [4](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") (Evidence: Company-reported; scope: 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. [9](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") (Evidence: Company-reported; scope: 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. [9](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") (Evidence: Company-reported; scope: Data center insurance page FAQ; described as one line among several bundled into a data center program, not a standalone equipment breakdown product..) |
| Limits and Retentions | Published policy limits or retentions for equipment breakdown coverage were not found on the product page. [4](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") (Evidence: Not publicly disclosed; scope: Checked the boiler and machinery product page on 2026-09-23; limits are set on the quote and declarations..) | Not described in the reviewed sources. |
| Risk Services | The boiler and machinery product page does not describe engineering inspections or other line-specific risk-control services. [4](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") (Evidence: Not found in reviewed sources; scope: Checked the boiler and machinery product page on 2026-09-23..) | Marsh says its risk consulting team performs detailed loss studies, including probable maximum loss (PML) analysis, to help right-size coverage for equipment and other exposures based on site-specific conditions and asset values. [9](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") (Evidence: Company-reported; scope: Data center insurance page, Right-sizing coverage section; described for data center property and equipment risk generally..) |
| How to Apply | HUB directs prospects to "contact a HUB broker to get started" rather than an online quote or bind flow. [4](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") (Evidence: Company-reported; scope: Product-page call to action..) | Not described in the reviewed sources. |
## Full Comparison
- [HUB International vs Marsh](https://spot.insure/compare/hub-international-vs-marsh): all coverage lines, business roles, service and claims.
- [What Is Equipment Breakdown Insurance?](https://spot.insure/coverage/equipment-breakdown): Equipment breakdown insurance can help pay for damage from covered electrical or mechanical failures in the systems your business relies on.
- [HUB International vs Marsh Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-marsh/builders-risk)
- [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 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 Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/equipment-breakdown)
- [Alliance Risk vs Marsh Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/equipment-breakdown)
- [Chubb vs HUB International Equipment Breakdown Insurance](https://spot.insure/compare/chubb-vs-hub-international/equipment-breakdown)
- [Chubb vs Marsh Equipment Breakdown Insurance](https://spot.insure/compare/chubb-vs-marsh/equipment-breakdown)
- [Coverdash vs HUB International Equipment Breakdown Insurance](https://spot.insure/compare/coverdash-vs-hub-international/equipment-breakdown)
- [Coverdash vs Marsh Equipment Breakdown Insurance](https://spot.insure/compare/coverdash-vs-marsh/equipment-breakdown)
## 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. [Boiler and Machinery Equipment Insurance Coverage](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/). HUB International; What is Boiler and Machinery Insurance?; What does Boiler and Machinery Insurance cover?; covered manufacturing and office equipment examples; basic, broad and consequential-damage coverage options; Extra Expense coverage description; Contact a HUB broker call to action. Accessed 2026-09-23.
### Marsh
5. [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.
6. [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.
7. [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.
8. [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.
9. [Data center insurance and risk management](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html). Marsh; Understanding your full exposure map: Physical asset damage; Closing the gaps in conventional coverage table; FAQs: What does data center insurance typically cover? (property damage, equipment breakdown, business interruption, delay in startup, cyber exposures, general liability, selected contractual risks); What are the main risks facing data center owners and operators today?. Accessed 2026-09-23.
### Equipment Breakdown Insurance Guide
10. [Understanding Commercial Package Policies](https://www.iii.org/article/understanding-commercial-package-policies). Insurance Information Institute; Available CPP additions: Equipment breakdown. Accessed 2026-09-16.
11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Boiler and Machinery; Commercial Property: Covered Causes of Loss; Commercial Property: Time Element; Inland Marine; Coverage Forms and/or Specialty Coverages. 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.
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- [Markdown page](https://spot.insure/compare/hub-international-vs-marsh/equipment-breakdown.md)
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