---
title: "HUB International vs Nationwide: Equipment Breakdown Insurance"
description: "HUB distinguishes basic, broad, and consequential-damage options plus Extra Expense; Nationwide describes repair or replacement and related expenses for covered failures."
canonical: "https://spot.insure/compare/hub-international-vs-nationwide/equipment-breakdown"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "hub-international-vs-nationwide"
provider-a: "hub-international"
provider-b: "nationwide"
coverage-line: "equipment-breakdown"
---

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, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/hub-international-vs-nationwide/equipment-breakdown)

## Agent Guide

**What this page is:** Focused comparison of HUB International and Nationwide for Equipment Breakdown 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 Equipment Breakdown Insurance questions about HUB International versus Nationwide. 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 Nationwide for Equipment Breakdown Insurance: how do they differ?
- Which is better for Equipment Breakdown Insurance, HUB International or Nationwide?
- What does HUB International or Nationwide publish about Equipment Breakdown Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Equipment Breakdown Insurance from HUB International or Nationwide?

**Key facts:**
- Line: Equipment Breakdown Insurance. Providers: HUB International and Nationwide.
- 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 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [HUB International vs Nationwide](https://spot.insure/compare/hub-international-vs-nationwide) — parent: all coverage lines for this pair
- [Equipment Breakdown Insurance guide](https://spot.insure/coverage/equipment-breakdown) — coverage explainer for this line
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile (evidence)
- [Nationwide profile](https://spot.insure/insurance-providers/nationwide) — provider profile (evidence)
- [HUB International vs Nationwide Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-nationwide/builders-risk) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Nationwide Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-nationwide/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Nationwide Cargo and Transit Insurance](https://spot.insure/compare/hub-international-vs-nationwide/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Nationwide Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-nationwide/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Nationwide Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-nationwide/commercial-property) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Nationwide Crime Insurance](https://spot.insure/compare/hub-international-vs-nationwide/crime) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Nationwide Cyber Insurance](https://spot.insure/compare/hub-international-vs-nationwide/cyber) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Nationwide D&O Insurance](https://spot.insure/compare/hub-international-vs-nationwide/directors-officers) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-nationwide/employment-practices) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-nationwide/fiduciary) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Nationwide General Liability Insurance](https://spot.insure/compare/hub-international-vs-nationwide/general-liability) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Nationwide Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-nationwide/inland-marine) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Nationwide Management Liability Insurance](https://spot.insure/compare/hub-international-vs-nationwide/management-liability) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-nationwide/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Nationwide Surety Bonds](https://spot.insure/compare/hub-international-vs-nationwide/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Nationwide Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-nationwide/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-nationwide/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs HUB International Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-hub-international/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [AIG vs Nationwide Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-nationwide/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs HUB International Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Nationwide Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs HUB International Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-hub-international/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Nationwide Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-nationwide/equipment-breakdown) — sibling comparison (other line, or other pair for this line)

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

HUB distinguishes basic, broad, and consequential-damage options plus Extra Expense; Nationwide describes repair or replacement and related expenses for covered failures.

## How to Use the HUB International vs Nationwide Equipment Breakdown Insurance Comparison

Use this comparison to evaluate HUB International and Nationwide 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.

## HUB International vs Nationwide Equipment Breakdown Insurance Summary

HUB describes basic, broad, and consequential-damage options, plus Extra Expense that covers operating costs during a breakdown but not lost income unless paired with business-income coverage. Nationwide’s cited page describes repair or replacement and related business-income or restoration expenses for covered failures. [4](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") [8](https://www.nationwide.com/business/insurance/equipment-breakdown/ "Equipment Breakdown Coverage – Nationwide")

## 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 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. [5](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [6](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") [7](https://www.nationwide.com/personal/about-us/terms-conditions "Terms and Conditions for Nationwide.com")

[Nationwide profile](https://spot.insure/insurance-providers/nationwide)

## What Is Equipment Breakdown Insurance?

Equipment-breakdown coverage can help repair covered machinery or building equipment after a mechanical or electrical failure. It fits businesses that depend on equipment to operate; check whether lost income, spoilage and utility failures are included. [9](https://www.iii.org/article/understanding-commercial-package-policies "Understanding Commercial Package Policies") [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://www.travelers.com/risk-control/specialties/equipment-breakdown "Equipment Breakdown") [12](https://www.munichre.com/content/dam/munichre/hsb/hsb-iic/documents/hsb-techadvantage-equipment-breakdown-coverage-form.pdf/_jcr_content/renditions/original./hsb-techadvantage-equipment-breakdown-coverage-form.pdf "HSB TechAdvantage Equipment Breakdown Coverage Form")

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

### Coverage options and repair costs

HUB describes basic, broad, and consequential-damage options for losses resulting from equipment failure. Nationwide describes repair or replacement costs for covered failures and related business-income or restoration expenses. Since HUB’s page presents options while Nationwide’s selected description addresses costs, ask each side to identify the exact equipment, failure trigger, and option shown on the quote; do not treat the labels as equivalent forms. [4](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") [8](https://www.nationwide.com/business/insurance/equipment-breakdown/ "Equipment Breakdown Coverage – Nationwide")

### Operating expense versus lost income

HUB says Extra Expense can pay costs to keep operating during a breakdown but excludes lost income unless combined with business-income coverage. Nationwide’s overview describes related business-income or restoration expenses without establishing how a particular offer separates them. Compare business-income and extra-expense terms side by side so the quoted protection addresses both continuing costs and lost revenue where needed. [4](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") [8](https://www.nationwide.com/business/insurance/equipment-breakdown/ "Equipment Breakdown Coverage – Nationwide")

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

- Ask HUB which coverage option is quoted and whether business-income coverage is paired with Extra Expense. [4](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage")
- Ask Nationwide to identify the equipment, repair costs, and interruption expenses included in the proposed form. [8](https://www.nationwide.com/business/insurance/equipment-breakdown/ "Equipment Breakdown Coverage – Nationwide")

## HUB International vs Nationwide Equipment Breakdown Insurance Compared

| Criteria | HUB International Boiler and Machinery (Equipment Breakdown) Insurance Brokerage | Nationwide equipment breakdown (official overview) |
| --- | --- | --- |
| 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..) | Nationwide describes offering equipment breakdown for the audience stated on the cited product page. [8](https://www.nationwide.com/business/insurance/equipment-breakdown/ "Equipment Breakdown Coverage – Nationwide") (Evidence: Company-reported; scope: equipment breakdown 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 | 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..) | Confirm in your quote. |
| 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..) | Businesses using mechanical/electrical equipment, computers, networks, heating/cooling, or other listed systems. [8](https://www.nationwide.com/business/insurance/equipment-breakdown/ "Equipment Breakdown Coverage – Nationwide") (Evidence: Company-reported; scope: equipment breakdown 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 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..)<br><br>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..) | The cited product page describes repair or replacement costs for covered equipment failures and related business-income or restoration expenses described on the page. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [8](https://www.nationwide.com/business/insurance/equipment-breakdown/ "Equipment Breakdown Coverage – Nationwide") (Evidence: Company-reported; scope: equipment breakdown 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 | 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..) | 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. [8](https://www.nationwide.com/business/insurance/equipment-breakdown/ "Equipment Breakdown Coverage – Nationwide") (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 | 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..) | Confirm in your quote. |
| 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..) | 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. [8](https://www.nationwide.com/business/insurance/equipment-breakdown/ "Equipment Breakdown Coverage – Nationwide") (Evidence: Company-reported; scope: equipment breakdown 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..) |

## Related Pages for HUB International vs Nationwide Equipment Breakdown

- [HUB International vs Nationwide](https://spot.insure/compare/hub-international-vs-nationwide): all coverage lines, business roles, service and claims.
- [What Is Equipment Breakdown Insurance?](https://spot.insure/coverage/equipment-breakdown): Equipment breakdown can help repair covered machinery after mechanical or electrical failure; check whether downtime, spoilage and utility interruption are also covered.
- [HUB International vs Nationwide Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-nationwide/builders-risk)
- [HUB International vs Nationwide Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-nationwide/business-owners-policy)
- [HUB International vs Nationwide Cargo and Transit Insurance](https://spot.insure/compare/hub-international-vs-nationwide/cargo-transit)
- [HUB International vs Nationwide Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-nationwide/commercial-auto)
- [HUB International vs Nationwide Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-nationwide/commercial-property)
- [HUB International vs Nationwide Crime Insurance](https://spot.insure/compare/hub-international-vs-nationwide/crime)
- [HUB International vs Nationwide Cyber Insurance](https://spot.insure/compare/hub-international-vs-nationwide/cyber)
- [HUB International vs Nationwide D&O Insurance](https://spot.insure/compare/hub-international-vs-nationwide/directors-officers)
- [HUB International vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-nationwide/employment-practices)
- [HUB International vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-nationwide/fiduciary)
- [HUB International vs Nationwide General Liability Insurance](https://spot.insure/compare/hub-international-vs-nationwide/general-liability)
- [HUB International vs Nationwide Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-nationwide/inland-marine)
- [HUB International vs Nationwide Management Liability Insurance](https://spot.insure/compare/hub-international-vs-nationwide/management-liability)
- [HUB International vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-nationwide/professional-errors-omissions)
- [HUB International vs Nationwide Surety Bonds](https://spot.insure/compare/hub-international-vs-nationwide/surety-bonds)
- [HUB International vs Nationwide Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-nationwide/umbrella-excess)
- [HUB International vs Nationwide Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-nationwide/workers-compensation)
- [AIG vs HUB International Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-hub-international/equipment-breakdown)
- [AIG vs Nationwide Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-nationwide/equipment-breakdown)
- [Alliance Risk vs HUB International Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/equipment-breakdown)
- [Alliance Risk vs Nationwide Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/equipment-breakdown)
- [The Baldwin Group vs HUB International Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-hub-international/equipment-breakdown)
- [The Baldwin Group vs Nationwide Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-nationwide/equipment-breakdown)

## Sources for HUB International vs Nationwide

### Sources About 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.

### Sources About Nationwide

5. [Small Business Insurance](https://www.nationwide.com/business/insurance/small-commercial/). 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.
6. [Small Business Insurance Solutions for Agents](https://www.nationwide.com/agents/business/). 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.
7. [Terms and Conditions for Nationwide.com](https://www.nationwide.com/personal/about-us/terms-conditions). 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.
8. [Equipment Breakdown Coverage – Nationwide](https://www.nationwide.com/business/insurance/equipment-breakdown/). Nationwide; What equipment breakdown covers; events, equipment, repair/replacement and business-income expenses.. Accessed 2026-09-30.

### Sources for the Equipment Breakdown Insurance Guide

9. [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.
10. [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.
11. [Equipment Breakdown](https://www.travelers.com/risk-control/specialties/equipment-breakdown). Travelers; Definition and equipment list. Accessed 2026-09-16.
12. [HSB TechAdvantage Equipment Breakdown Coverage Form](https://www.munichre.com/content/dam/munichre/hsb/hsb-iic/documents/hsb-techadvantage-equipment-breakdown-coverage-form.pdf/_jcr_content/renditions/original./hsb-techadvantage-equipment-breakdown-coverage-form.pdf). The Hartford Steam Boiler Inspection and Insurance Company; G.1 Accident, PDF p.17; A.2.a–c p.1; C.2 pp.8–9; C pp.8–9; D pp.9–10; E.10 Valuation, PDF pp.13–14; G.10–11 pp.18–19; A.2.n p.5 (Off Premises Equipment Breakdown); A.2.p pp.5–6; A.2.r p.6; G.18 p.20 (Interruption of Service). Accessed 2026-09-16.

Updated 2026-10-01. 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 Review Scores for 2026

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).

## Nationwide Review Scores for 2026

Review Score: 7.8 / 10 from 4 rated sources, equally weighted.

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.

- NerdWallet: NerdWallet rating 4.5 (out of 5). NerdWallet's editorial small-business review of Nationwide, updated 2026-06-03. It is an expert score, not a customer average. The page header shows 4.5 and a partner card on the same page shows 4.0; the 4.5 is the review's own headline rating. Period: review updated 2026-06-03. Checked 2026-09-29. [Nationwide Business Insurance Review 2026](https://www.nerdwallet.com/business/insurance/learn/nationwide-business-insurance)
- J.D. Power: 2025 Small Commercial satisfaction index 707 (out of 1,000); 2848 reviews. 2025 U.S. Small Commercial Insurance Study: 2,848 U.S. businesses with 50 or fewer employees, fielded Mar-May 2025. Nationwide scored 707 against a study average of 698. A 2026 study was published 2026-08-20 (average 713); Nationwide's 2026 score was not found. Period: 2025 study. Checked 2026-09-29. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/sites/default/files/file/2025-08/2025092%20U.S.%20Small%20Commercial%20Insurance%20Study.pdf); [U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/u-s-small-commercial-insurance-study/); [Rates, Digital Support Boost Small Business Insurance Customer Satisfaction: JD Power](https://www.carriermanagement.com/news/2026/08/20/291242.htm)
- Trustpilot: TrustScore 1.3 (out of 5); 261 reviews. Nationwide's main Trustpilot page. It mixes personal and commercial customers; it cannot be separated. The page text says 1.3 out of 5 while an embedded badge image text said 1.5; we use the visible text score. Period: 69 reviews in the prior 12 months (checked 2026-09-29). Checked 2026-09-29. [Nationwide Reviews](https://www.trustpilot.com/review/nationwide.com)
- ConsumerAffairs: ConsumerAffairs auto average 1.5 (out of 5); 1091 reviews. ConsumerAffairs Nationwide personal auto page (1,091 reviews displayed). Personal auto, not commercial. Period: checked 2026-09-29. Checked 2026-09-29. [Nationwide Auto Insurance Reviews](https://www.consumeraffairs.com/insurance/nationwide_auto.html)
- ConsumerAffairs: ConsumerAffairs rating 2.5 (out of 5); 19 reviews. ConsumerAffairs Nationwide Small Business Insurance page; unclaimed profile; small-business customers. Screenshot captured 2026-09-29. Period: page updated Aug. 14, 2026; captured 2026-09-29. Checked 2026-09-29. [Nationwide Small Business Insurance Reviews](https://www.consumeraffairs.com/insurance/nationwide-small-business-insurance.html)
- BBB: BBB business grade A+. BBB Nationwide profile at the Columbus, Ohio headquarters (BBB Accredited). Covers all Nationwide products, not just commercial. Checked 2026-09-29. [Nationwide BBB Complaints Profile](https://www.bbb.org/us/oh/columbus/profile/insurance-companies/nationwide-0302-2388/complaints)
- BBB: Complaints 111. Same BBB headquarters profile; all Nationwide products, no premium denominator. BBB warns complaint details may be incomplete. The page also shows 269 customer reviews but no star average. Period: closed in the last three years (checked 2026-09-29). Checked 2026-09-29. [Nationwide BBB customer reviews](https://www.bbb.org/us/oh/columbus/profile/insurance-companies/nationwide-0302-2388/customer-reviews)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/hub-international-vs-nationwide/equipment-breakdown.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)