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. 5,6,7
What Is General Liability Insurance?
General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. 9,10,11
Key Differences in General Liability Insurance
Claim scenarios and extensions
HUB says policies it arranges typically respond to bodily injury on the premises, personal injury from employee actions, property damage caused by employees, and advertising injury. Nationwide describes medical expenses, attorney fees, and damages for covered claims, with product and completed-operations liability available by endorsement. If your risk involves customer visits, employee work, or products, identify those scenarios in both submissions and verify the quoted wording. 4 8
Who places and sets limits
HUB acts as broker and says coverage needs depend on business type and location; its page sends prospects to a HUB broker. Nationwide refers buyers to its agent network. Neither overview sets your account's limit, so ask for the proposed insurer and limit alongside any additional-insured requirements. 4 8
What to Confirm in General Liability Insurance Quotes
- Ask HUB which insurer and limit fit your locations and operations; ask Nationwide whether product/completed operations is endorsed and how additional-insured requests are handled.
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: General Liability Insurance: documented features by provider
| Criteria | HUB International General Liability Insurance Brokerage | Nationwide general liability (official overview) |
|---|---|---|
| Role in This Line | HUB brokers commercial general liability coverage rather than underwriting it itself, placing the policy with an insurer on the client's behalf. 4Company-reported. General liability product page as read on 2026-09-23; the page does not name an issuing insurer. | Nationwide describes offering general liability for the audience stated on the cited product page. 8Company-reported. general liability 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 | The general liability product page does not name an issuing insurer; HUB places general liability business with insurers that vary by client and placement. 4Not found in reviewed sources. Checked the general liability product page on 2026-09-23; no carrier is disclosed there. | Confirm in your quote. |
| Who It’s For | Confirm in your quote. | Most businesses are identified as potential buyers; the source directs businesses to an agent to confirm their specific need. 8Company-reported. general liability 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 general liability policies it arranges typically respond to bodily injury to customers, employees, vendors or visitors on the client's premises, personal injury from an employee's negligence or actions, property damage caused by employees, and advertising injury such as slander or false advertising claims. 4Company-reported. Product-page description of typical coverage scenarios; the issued policy and its exclusions control what a specific claim triggers. | The cited product page describes medical expenses, attorney fees, and damages for covered liability claims, with product and completed-operations liability available as an endorsement option. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 8Company-reported. general liability 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 per-occurrence or aggregate limits, deductibles or retentions for HUB-placed general liability policies were not found on the product page. 4Not publicly disclosed. Checked the general liability product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page. | 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. 8Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| Risk Services | The general liability product page does not describe line-specific risk-control or safety services; it only lists related products such as business interruption, D&O, EPL and workers' compensation insurance. 4Not found in reviewed sources. Checked the general liability product page on 2026-09-23. | Confirm in your quote. |
| How to Apply | HUB says the amount of general liability coverage a business needs depends on factors such as the type of business and its location, and directs prospects to contact a HUB broker to get started. 4Company-reported. Product-page copy; no online quote or bind flow is described. | 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. 8Company-reported. general liability 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 General Liability 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.
- General Liability Insurance Brokers. HUB International; What's typically covered: bodily injuries, personal injuries, property damage, advertising injury; coverage-amount factors; related coverage links; Contact a HUB broker call to action. 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.
- General Liability Insurance – Nationwide. Nationwide; General liability overview; covered expenses and endorsements; product and completed-operations liability. Accessed 2026-09-30.
General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
- Commercial General Liability Coverage Form. ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16.
