HUB International vs 
Nationwide: How Do They Compare for Builders Risk 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 Nationwide?
Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. 6,7,8
What Is Builders Risk Insurance?
Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. 10,11,12,13
Key Differences in Builders Risk Insurance
Site Mitigation Services
HUB describes coordinating builders-risk insurance with third-party site security, automated leak detection, and fire-resistant coatings, plus a mobile app that displays carrier underwriting requirements. Nationwide's overview describes covered construction property and optional endorsements such as flood, earthquake, and debris removal, without describing a comparable vendor mitigation program. If active loss prevention is part of your project plan, ask HUB which services are included and which are separately priced; ask Nationwide whether its agent can arrange similar services. 4 9
Project Eligibility and Assessment
HUB names project owners, general contractors, and developers for both frame and non-frame projects and directs them to a broker or construction specialist for a project-specific assessment. Nationwide lists commercial and industrial work among its ideal risks and directs prospects to an agent or quote request. A non-frame project or unusual site needs a direct eligibility answer from both, since Nationwide's summary is less specific about construction type. 5 4 9
What to Confirm in Builders Risk Insurance Quotes
- Ask HUB to itemize the site-security, leak-detection, and coating services, including who provides and pays for each; ask Nationwide's agent whether similar risk services are available. 4 9
- Confirm how each quote handles your construction type, especially if the project is frame or non-frame and spans multiple parties. 5 9
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 reviewsNationwide
Review Score
4 rated sources
Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.[1][10]
Read Nationwide reviewsOffering Details
HUB International vs Nationwide: Builders Risk Insurance: documented features by provider
| Criteria | HUB Builder's Risk Insurance Solutions | Nationwide builders risk (official overview) |
|---|---|---|
| Role in This Line | HUB brokers builder's risk insurance and bundles it with a coordinated mitigation program rather than underwriting the policy itself. 4,5Company-reported. Builder's risk product page and 2024 launch press release, as read 2026-09-23; neither names an issuing insurer. | Nationwide describes offering builders risk for the audience stated on the cited product page. 9Company-reported. builders risk marketed by nationwide; 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 | Neither the product page nor the launch press release names an issuing insurer or carrier partner for this solution. 4,5Not found in reviewed sources. Checked both pages on 2026-09-23; the press release explicitly states it does not specify carrier partners. | Confirm in your quote. |
| Who It’s For | HUB markets this solution to project owners, general contractors and developers of both frame and non-frame construction projects. 5Company-reported. Launch press release target-market description. | Construction projects through completion; listed ideal risks include commercial/industrial construction and other named industries. 9Company-reported. builders risk marketed by nationwide; 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 builder's risk coverage for property used in construction, installation and renovation projects, protecting against theft, fire and water damage during the build. 4Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim. | The cited product page describes property under construction, construction materials, and temporary structures, with optional endorsements such as debris removal, earthquake, flood, and business income. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 9Company-reported. builders risk marketed by nationwide; 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. 9Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| 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. 4,5Company-reported. Product-page and press-release service description; a company-reported program, not an independently assessed outcome. | Confirm in your quote. |
| 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. 4Company-reported. Product-page call to action as read 2026-09-23. | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. 9Company-reported. builders risk marketed by nationwide; 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 Nationwide Comparisons
Other Builders Risk 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.
- Builder's Risk Insurance Broker & Coverage Policy. 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.
- HUB International Launches Builder's 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.
Nationwide
- Small Business Insurance. Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247. Accessed 2026-09-29.
- Small Business Insurance Solutions for Agents. Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193. Accessed 2026-09-29.
- Terms and Conditions for Nationwide.com. Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394. Accessed 2026-09-29.
- Get Builder’s Risk Insurance - Nationwide. Nationwide; Additional builder's risk coverage; property under construction, materials, temporary structures, and endorsement examples. Accessed 2026-09-30.
Builders Risk Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
- Builders Risk Coverage Form. Insurance Services Office, Inc.; hosted by Touchpoint Markets; A.1–3 p.1; B.3.c p.11; C,D,E p.12. Accessed 2026-09-16.
- Builders Risk Application Tip Sheet. US Assure; General policy application tips p.1; Remodeling tips p.2. Accessed 2026-09-16.
