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 Inland Marine Insurance?
If your business moves equipment between sites or ships goods, inland marine can cover those property exposures; installation and other forms address different property categories. Match the quote to what you own, rent or hold for others. 10,11
Key Differences in Inland Marine Insurance
Property types and covered events
HUB defines inland marine around property transported over land, used at jobsites, or stored in warehouses, including medical and computer equipment, trade-show exhibits, and sales samples. Its glossary lists fire, theft, water damage, wind, accidental damage, and mysterious disappearance among possible covered perils. Nationwide describes protection for property while moving, stored, or at jobsites but leaves terms to the policy. Match your asset list and desired perils against both forms. 5 9
Broker route and limits
HUB places coverage through its marine practice and directs prospects to a broker or specialist; it says policies carry a stated limit and deductible but publishes no amounts. Nationwide also directs buyers to an agent or quote request. Provide property values and ask each for per-item limits, deductibles, and any warehouse or transit sublimits. 4 5 9
What to Confirm in Inland Marine Insurance Quotes
- Ask HUB for limits, deductible, and which listed perils apply; ask Nationwide for comparable transit, storage, and mysterious-disappearance wording.
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: Inland Marine Insurance: documented features by provider
| Criteria | HUB International Inland Marine Insurance Brokerage | Nationwide inland marine (official overview) |
|---|---|---|
| Role in This Line | HUB brokers inland marine insurance through its marine insurance practice, drawing on what it describes as relationships with domestic and international insurance carriers rather than underwriting the coverage itself. 4Company-reported. Marine product page; neither reviewed page names a specific issuing insurer for inland marine. | Nationwide describes offering inland marine for the audience stated on the cited product page. 9Company-reported. inland marine 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. |
| Who It’s For | Confirm in your quote. | Industries and risks named in the inland-marine page; exact eligibility is account-specific. 9Company-reported. inland marine 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's glossary defines inland marine insurance as domestic coverage that protects business property, such as equipment, machinery or products, while it is transported over land by truck or train, used at a job site, or stored in a warehouse, including specialized items a standard business owner's policy would not cover. 5Company-reported. Glossary page definition; the issued policy's schedule of covered property and exclusions controls an actual claim. HUB lists trade show exhibits, cargo items, sales samples, communication equipment, medical equipment, computer systems and photography equipment as examples of property commonly insured under an inland marine policy. 5Company-reported. Glossary page property examples; a specific policy's covered-property list is set on the quote and declarations. HUB says inland marine policies can cover perils including fire, hail, theft, water damage and wind, plus accidental damage and mysterious disappearance of covered property. 5Company-reported. Glossary page peril list; coverage for a specific peril depends on the policy form and endorsements. HUB's marine practice groups inland marine alongside related marine coverages it arranges, including marine cargo insurance, stock throughput insurance, protection and indemnity, charterers' liability and hull and machinery liability. 4Company-reported. Marine product page tailored-solutions list; not every listed coverage applies to a given inland marine client. | The cited product page describes specialized protection for equipment, materials, construction projects, and other property while moving, stored, or at a jobsite. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 9Company-reported. inland marine 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 | HUB says most inland marine policies carry a deductible and a stated coverage limit, and warns that claiming a loss beyond the policy's coverage limit can lead to penalties, but the reviewed pages do not publish specific deductible or limit amounts. 5Company-reported. Glossary page policy-structure description; actual deductibles and 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. 9Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| How to Apply | HUB's marine page directs prospective clients to "Connect With a Broker" or contact a HUB marine insurance specialist rather than an online quote or bind flow. 4Company-reported. Marine product page call-to-action text. | 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. inland marine 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 Inland Marine 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.
- Marine Insurance Broker Policy & Coverage. HUB International; Navigate the Changing Landscape: strong relationships with domestic and international insurance carriers; Tailored Solutions list including Marine Cargo Insurance, Stock Throughput Insurance, Protection & Indemnity, Charterers' Liability, Hull & Machinery Liability; Connect With a Broker call to action. Accessed 2026-09-23.
- Inland Marine Insurance Definition. HUB International; Definition; covered property types (trade show exhibits, cargo items, sales samples, communication equipment, medical equipment, computer systems, photography equipment); covered perils; deductible and coverage-limit explanation. 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.
- Insurance for Inland Marine – Nationwide. Nationwide; Key products and coverages; mobile/specialized property, equipment, materials, and transit. Accessed 2026-09-30.
Inland Marine Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery. Accessed 2026-09-16.
- Inland Marine Policy: Contractors’ Equipment. Markel American Insurance Company / American Association of Insurance Services; hosted by Florida Department of Management Services; PDF p.8 declarations; attached Contractors’ Equipment printed pp.1–13 (PDF pp.18–30); replacement-cost endorsement PDF p.34. Accessed 2026-09-16.
