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

Manufacturers and small businesses are HUB International's stated audience, with three coverage tiers; Newfront is a broker that begins with a consultation and adds in-house risk engineers.

HUB fits buyers who need named boiler-and-machinery tiers and Extra Expense terms; Newfront fits property buyers who want equipment breakdown considered alongside in-house risk-engineering advice. ^1,²

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

HUB provides equipment types, three coverage tiers and a specific Extra Expense limit on lost-income protection; Newfront names equipment breakdown but leaves covered equipment and terms undescribed. ¹ ²

A Product Page Versus a Hero Line

HUB’s boiler and machinery page describes repair or replacement after a sudden breakdown, downtime losses, resulting property damage, and named manufacturing and office equipment. Newfront names equipment breakdown in the property hero but does not list it among Key Coverages or describe covered equipment types. Choose HUB if you need explicit boiler-and-machinery tiers and want to review Extra Expense versus business-income coverage; choose Newfront if you want equipment breakdown included in a property consultation with risk engineers. ¹ ²

Tiers Versus Engineers

HUB’s public structure is basic, broad and consequential-damage plus Extra Expense that excludes lost income unless combined with business income. Newfront’s published differentiator is in-house risk engineers for loss control on property placements. HUB’s reviewed boiler page does not describe those inspections; Newfront’s page does not describe coverage tiers. ¹ ²

How You Engage

HUB says contact a HUB broker to get started. Newfront says request a consultation through the property page. Both broker; both leave the issuing insurer unnamed. ¹ ²

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

Ask HUB which tier is quoted and whether Extra Expense is combined with business income. ¹
Ask Newfront whether equipment breakdown is scheduled on the property form and which carrier writes it. ²
Confirm whether Newfront’s engineers will inspect boilers; HUB’s page does not describe that service. ² ¹
Compare deductibles on the actual quotes. ¹ ²

HUB International vs Newfront Equipment Breakdown Insurance Compared

HUB International vs Newfront: Equipment Breakdown Insurance: documented features by provider

Criteria	HUB International Boiler and Machinery (Equipment Breakdown) Insurance Brokerage	Newfront Equipment Breakdown Insurance
How to Apply	HUB directs prospects to "contact a HUB broker to get started" rather than an online quote or bind flow. ¹Company-reported. Product-page call to action.	You start an equipment-breakdown placement by requesting a consultation through Newfront's property page. ²Company-reported. Property page call-to-action; no online quoting or binding described.
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. ¹Company-reported. 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. ¹Company-reported. Product-page coverage-tier description.	Newfront's property page names equipment breakdown as a risk it addresses in its opening statement, but its itemized Key Coverages list for property (All-Risks, business interruption, flood, windstorm/earthquake, wildfire, terrorism, cargo stock throughput) does not include a separate equipment-breakdown line item or describe covered equipment types. ²Company-reported. Property page as read on 2026-09-23; the mention is introductory rather than a detailed coverage description.
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. ¹Company-reported. Boiler and machinery product page, read 2026-09-23. The page does not name an issuing insurer.	Newfront's property practice offers equipment-breakdown solutions as one of the risks it names on its property page. It brokers and negotiates placement rather than underwriting the risk itself. ²Company-reported. Property offering page hero statement, which names equipment breakdown alongside natural disaster and supply-chain risk.

Criteria

HUB International Boiler and Machinery (Equipment Breakdown) Insurance Brokerage

Newfront Equipment Breakdown Insurance

How to Apply

HUB directs prospects to "contact a HUB broker to get started" rather than an online quote or bind flow. ¹Company-reported. Product-page call to action.

You start an equipment-breakdown placement by requesting a consultation through Newfront's property page. ²Company-reported. Property page call-to-action; no online quoting or binding described.

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. ¹Company-reported. 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. ¹Company-reported. Product-page coverage-tier description.

Newfront's property page names equipment breakdown as a risk it addresses in its opening statement, but its itemized Key Coverages list for property (All-Risks, business interruption, flood, windstorm/earthquake, wildfire, terrorism, cargo stock throughput) does not include a separate equipment-breakdown line item or describe covered equipment types. ²Company-reported. Property page as read on 2026-09-23; the mention is introductory rather than a detailed coverage description.

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. ¹Company-reported. Boiler and machinery product page, read 2026-09-23. The page does not name an issuing insurer.

Newfront's property practice offers equipment-breakdown solutions as one of the risks it names on its property page. It brokers and negotiates placement rather than underwriting the risk itself. ²Company-reported. Property offering page hero statement, which names equipment breakdown alongside natural disaster and supply-chain risk.