HUB International vs Resilience: How Do They Compare for Business Insurance?

HUB helps businesses arrange insurance through brokers and agents; reviewed product pages describe brokerage, not HUB as the insurer. Its subsidiaries hold licenses in various US states and Canadian provinces. ^4,5,9Company-reportedBrand and parent identity as of 16 September 2026. Does not identify which subsidiary would appear on a California producer license or policy declarations.

Small businesses may reach HUB through its digital Insureon route, acquired in 2022; Insureon and TechInsurance are associated with Specialty Program Group, so the retail account path may differ from HUB’s offices. ^{4,34,35,36,37}Company-reportedCorporate-affiliation statements. Does not establish that every HUB office places business through Insureon, or that TechInsurance is a distinct California producer.

Resilience combines cyber and technology E&O insurance with cybersecurity risk-management services for businesses. ^39,41,42Company-reportedBrand-level offering; not a statement that the brand is the risk-bearing insurer.

Confirm who will place the policy in California: Resilience names Ocrea Risk Services, LLC dba Resilience Cyber Insurance Solutions and NPN 19169260 as US distributor, but this disclosure is not independent license verification. ⁴⁰Company-reportedUS distribution entity; regulator license lookup not completed.

Businesses can ask HUB about liability, property, workers’ comp, auto, cyber, D&O, professional liability, crime, fiduciary, bonds, malpractice, marine, equipment and transaction coverage, plus employee benefits; marketing pages do not establish exact forms or eligibility. ^{9,11,19,17,18,20,13,12,14,15,21,22,23,24,25,28,29,26,27,30,16}Company-reportedOfficial product and casualty pages accessed 16 September 2026. Catalogue entries are brokerage offerings, not proof that a California startup can obtain each line on stated terms.

Technology companies can build programs around Tech E&O, cyber, D&O, workers’ comp, cargo, property, benefits and other listed risks; confirm which are relevant and available for your operations. ¹⁰Company-reportedTechnology industry page inventory. Patent package is a HUB grouping label, not a finding that intellectual-property insurance is separately underwritten. Builders risk is listed there as a technology offering.

Businesses can ask Resilience about primary or excess cyber limits up to $20 million, including privacy and eCrime; confirm the eCrime sublimit (advertised up to $500,000) and conditions in the quote. ⁴¹Company-reportedMarketing description, not reviewed policy wording. eCrime is a component, not evidence of standalone crime insurance.

Software, hardware and technology-services businesses can consider Resilience Tech E&O, which advertises $10 million limits on US primary and excess placements. ⁴²Company-reportedTechnology-specific professional liability; not general professional E&O or a guarantee of offered limits.

Small accounts meeting HUB’s size guidelines can start an online Insureon quote; other buyers contact a HUB broker or local office. The reviewed site does not offer a public self-serve bind route for mid-market programs. ^{8,11,12,13,10,6}Company-reportedPublic website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.

Brokers can access Resilience through its broker page and businesses can submit an inquiry; no end-to-end self-serve purchase or binding-time guarantee was described. ^43,45Company-reportedObserved public broker/contact route; no application submitted or portal accessed.

Ask which insurers will quote your business: HUB says it accesses hundreds but focuses on strategic carriers that may pay enhanced compensation; public pages do not provide a complete panel or identify your issuing insurer. ^{7,19,27,28,16}Company-reportedNo verified HUB-wide carrier panel. Strategic-carrier focus is a compensation and placement practice, not a finding that only those markets are used.

Insureon names Hartford, Chubb, Hiscox, Liberty Mutual and Travelers among 100+ providers, but that list applies to its digital agency and does not establish the insurer for a HUB retail policy. ³⁴Company-reportedInsureon About Us examples only. Availability varies by product, state and underwriting.

Ask which insurer will issue your California policy: Resilience names Homeland Insurance Company of New York or Delaware but not which one applies to a specific quote. ⁴⁰Company-reportedCompany-reported US insurer disclosure; no binder or California policy form reviewed.

HUB describes local account teams, claims and certificate tools, and renewal support for benefits; ask which service tier, tools and fees apply to your account. ^16,33,30Company-reportedCompany-described servicing capabilities. Client eligibility for RMIS or ProEx specialist teams is not defined on the public pages.

Resilience’s Edge service helps prioritize security spending by estimated financial impact, while Arc shows cyber risk across entities; these tools are risk-management services, not insurance. ^46,47Company-reportedCurrent named cybersecurity products; outcomes not independently established.

You can buy insurance without buying Resilience security services; confirm which tools are bundled and which require a separate agreement. ⁴⁰Company-reportedCompany disclaimer; does not establish free services or package pricing.

Ask Resilience for renewal deadlines and service timing because reviewed pages do not specify renewal documents, price commitments or standard turnaround. ^43,41,42Not publicly disclosedScoped to current HTML pages; older package materials were not used to promise current renewal terms.