--- title: "HUB International vs RiskCube" description: "Compare HUB International and RiskCube when a startup needs coordinated technology insurance and benefits, distinguishing HUB’s office and Insureon routes." canonical: "https://spot.insure/compare/hub-international-vs-riskcube" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "HUB International", "RiskCube"] --- [Human-readable page](https://spot.insure/compare/hub-international-vs-riskcube) # HUB International vs RiskCube Compare HUB International and RiskCube when a startup needs coordinated technology insurance and benefits, distinguishing HUB’s office and Insureon routes. ## Research Scope and Use Use this comparison to evaluate HUB International and RiskCube against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights HUB markets technology insurance, benefits and risk services, with a separate small-commercial route through Insureon. RiskCube markets startup insurance brokerage and digital policy support. Choosing an engagement requires identifying the actual team, producer and included services rather than assuming every group capability comes with a quote. [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [8](https://www.hubinternational.com/contact-us/ "Contact Us") [30](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [39](https://riskcubeai.com/ "Startup Business Insurance") [44](https://riskcubeai.com/faq "Startup Insurance FAQ") ## Introduction A startup hiring a finance lead may want one engagement for business insurance, benefits planning and claims information. HUB markets those capabilities, but its website also sends qualifying small-commercial inquiries to Insureon. RiskCube markets a startup brokerage with digital policy support. The practical comparison is which team will own the requested work, not the total number of services advertised by either organization. [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [8](https://www.hubinternational.com/contact-us/ "Contact Us") [39](https://riskcubeai.com/ "Startup Business Insurance") [44](https://riskcubeai.com/faq "Startup Insurance FAQ") ## Documented Provider Strengths ### HUB International - HUB’s technology practice markets insurance and benefits programs to startups and software, hardware and digital-media companies, and says it currently insures more than 5,000 technology companies. [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Industry marketing page only. Does not establish California eligibility, insurer panels or policy wording for any named coverage.; verified: 2026-09-16.) - HUB routes qualifying small commercial accounts to Insureon’s online quote and other business insurance to a HUB advisor or local office; there is no published self-serve bind path for mid-market programs on hubinternational.com. [8](https://www.hubinternational.com/contact-us/ "Contact Us") [11](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [12](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [13](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [6](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.) ### RiskCube - Multi-insurer quote comparisons [39](https://riskcubeai.com/ "Startup Business Insurance") [42](https://riskcubeai.com/terms "Terms of Service") [41](https://riskcubeai.com/disclosures "Disclosures & Compensation") [43](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.; verified: 2026-09-16.) - Policy, COI and renewal management [39](https://riskcubeai.com/ "Startup Business Insurance") [42](https://riskcubeai.com/terms "Terms of Service") (Evidence: Company-reported; scope: Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | HUB International | RiskCube | | --- | --- | --- | | Builders risk | Listed [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | Not listed | | Business owner’s policy | Listed [18](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") | Not listed | | Cargo and transit | Listed [28](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | Not listed | | Commercial auto | Listed [20](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | Not listed | | Commercial property | Listed [19](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") | Not listed | | Crime | Listed [21](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | Listed [43](https://riskcubeai.com/insurance "Startup Insurance Coverage") | | Cyber liability | Listed [13](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | Listed [43](https://riskcubeai.com/insurance "Startup Insurance Coverage") | | Directors and officers | Listed [12](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | Listed [43](https://riskcubeai.com/insurance "Startup Insurance Coverage") | | Employee health and benefits | Listed [30](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [1](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") | Not listed | | Employment practices liability | Listed [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | Listed [43](https://riskcubeai.com/insurance "Startup Insurance Coverage") | | Equipment breakdown | Listed [29](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") | Not listed | | Fidelity bonds | Listed [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | Not listed | | Fiduciary liability | Listed [22](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | Listed [43](https://riskcubeai.com/insurance "Startup Insurance Coverage") | | General liability | Listed [11](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") | Listed [43](https://riskcubeai.com/insurance "Startup Insurance Coverage") | | Generative AI liability | Not listed | Listed [43](https://riskcubeai.com/insurance "Startup Insurance Coverage") | | Hired and non-owned auto | Listed [20](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | Not listed | | Key person | Listed [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | Listed [47](https://riskcubeai.com/insurance/life-insurance "Key Person Life Insurance for Startups") | | Kidnap and ransom | Listed [23](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | Not listed | | Management liability | Listed [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | Not listed | | Medical malpractice | Listed [25](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") | Not listed | | Product liability | Listed [27](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | Not listed | | Product recall | Listed [27](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | Not listed | | Professional liability / E&O | Listed [14](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [15](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") | Not listed | | Representations and warranties | Listed [26](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") | Not listed | | Surety bonds | Listed [24](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") | Not listed | | Technology errors and omissions | Listed [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | Listed [45](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") | | Tools, equipment and inland marine | Listed [28](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") | Not listed | | Trucking | Listed [20](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | Not listed | | Umbrella and excess liability | Listed [27](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | Listed [45](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") | | Virtual care and telehealth | Listed [31](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") | Not listed | | Workers’ compensation | Listed [17](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") | Not listed | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between HUB International and RiskCube ### Establish the Route Before Comparing the Service Model HUB's contact page routes businesses with 50 employees or fewer or under $5 million in annual revenue toward Insureon. Those are website routing criteria, not underwriting eligibility. Insureon and TechInsurance share HUB corporate ties; they should not be counted automatically as unrelated market searches. RiskCube describes its own consolidated intake and broker review. Ask each route to name the team responsible for the actual assignment. [8](https://www.hubinternational.com/contact-us/ "Contact Us") [34](https://www.insureon.com/about-us "About Insureon") [37](https://www.techinsurance.com/about-us "About Us | TechInsurance") [44](https://riskcubeai.com/faq "Startup Insurance FAQ") A San Francisco HUB office does not by itself identify the contracting producer. The record identifies SPG for the Insureon route but leaves the producer for a particular local-office engagement unresolved. [5](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [1](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") [35](https://www.insureon.com/legal/licenses "Insurance Licenses by State") ### Benefits Planning and Founder Protection Are Separate Assignments HUB's technology offering includes employee benefits and key-person coverages, with multi-year benefits planning described separately. RiskCube markets founder key-person life, but that is not evidence of a group health-benefits engagement; its California life-producer route also remains unresolved. A company seeking both should request separate scopes and the responsible licensed entities. [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [30](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [47](https://riskcubeai.com/insurance/life-insurance "Key Person Life Insurance for Startups") [40](https://riskcubeai.com/licenses "Licenses & Disclosures") ### Claims Data Tools Need an Entitlement and a Price HUB describes RMIS tiers for claims administration, certificate tracking and carrier/TPA data. RiskCube describes policy, certificate and renewal functions. These descriptions answer different operational needs: a finance team should specify whether it needs documents or a consolidated loss-data process. HUB's public RMIS description does not establish that a small-commercial account receives the tool. [33](https://www.hubinternational.com/products/risk-services/risk-management-information-system/ "Risk Management Information System (RMIS)") [44](https://riskcubeai.com/faq "Startup Insurance FAQ") HUB discloses strategic-carrier incentives and possible additional commissions through affiliated wholesale brokerages, alongside client fees on some programs. RiskCube discloses commissions and possible charges despite fee-free marketing. Request the economics of the proposed route and any separately billed tools, rather than estimating cost from company size. [7](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") [41](https://riskcubeai.com/disclosures "Disclosures & Compensation") ## What to Confirm in Quotes - Will the account be handled by a HUB office, Insureon or another disclosed producer, and who coordinates with the benefits team? [8](https://www.hubinternational.com/contact-us/ "Contact Us") [30](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") - Which data feeds, RMIS tier or platform functions are included in the service agreement? [33](https://www.hubinternational.com/products/risk-services/risk-management-information-system/ "Risk Management Information System (RMIS)") [44](https://riskcubeai.com/faq "Startup Insurance FAQ") - What insurer and California authority apply to each line, and what commissions, affiliate payments and client fees apply to the engagement? [5](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [7](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") [40](https://riskcubeai.com/licenses "Licenses & Disclosures") [41](https://riskcubeai.com/disclosures "Disclosures & Compensation") ## Service Comparison HUB International vs RiskCube: documented services and availability. | Criteria | HUB International | RiskCube | | --- | --- | --- | | Customer focus | HUB’s San Francisco Mission Street office says its brokers work across commercial lines, personal lines and high-net-worth, and employee benefits, and names Bay Area industries including technology, venture capital, healthcare and life sciences, real estate and construction. The same page says the team helps startups navigate risk. That is office marketing, not a published eligibility list. [1](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") [2](https://www.hubinternational.com/offices/us/california/san-francisco-44-montgomery-street/ "HUB International San Francisco 44 Montgomery Street") (Evidence: Company-reported; scope: HUB International San Francisco office page at 201 Mission Street. A separate 44 Montgomery Street office describes contractor bonding and City of San Francisco contractor-development work under a Merriwether & Williams history.; verified: 2026-09-16.)

HUB’s technology-company page addresses fast-growing startups and established software, hardware or digital-media businesses. It lists a technology-specific mix that includes professional liability/technology E&O, cyber, D&O and other management liability, transactional/warranty insurance, workers’ compensation, employee benefits and key-person coverages. The page also claims more than 5,000 technology companies currently insured; that figure is company-reported and was not independently counted here. [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Industry marketing page only. Does not establish California eligibility, insurer panels or policy wording for any named coverage.; verified: 2026-09-16.)

HUB’s contact page says it supports small businesses through partner Insureon and directs companies with 50 employees or fewer or under $5 million in annual revenue to start with an online quote. Larger or other commercial needs are directed to HUB commercial-insurance teams or a local office search. Those thresholds are HUB’s routing rules, not a regulatory definition of small business. [8](https://www.hubinternational.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: HUB contact-us Business Solutions copy as of 16 September 2026. Actual Insureon underwriting appetite can differ by product and insurer.; verified: 2026-09-16.) | RiskCube markets to venture-backed startups from pre-seed through IPO and to other growing businesses, including small businesses. Its stated sectors include SaaS, AI, fintech, GovTech, space and Web3. [44](https://riskcubeai.com/faq "Startup Insurance FAQ") (Evidence: Company-reported; scope: Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.; verified: 2026-09-16.) | | Business role | HUB International Limited describes itself as a full-service insurance broker and financial-services firm. Its website terms say HUB’s subsidiaries are licensed as insurance brokers or agents in various U.S. states and Canadian provinces. The reviewed product pages market brokerage of policies issued by insurers, not HUB as a risk-bearing carrier for those policies. [4](https://www.hubinternational.com/about-us/ "About Us") [5](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [9](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") (Evidence: Company-reported; scope: Brand and parent identity as of 16 September 2026. Does not identify which subsidiary would appear on a California producer license or policy declarations.; verified: 2026-09-16.)

HUB’s About Us timeline states that in 2022 it acquired Insureon for digital delivery of small-business commercial insurance. Insureon and TechInsurance say they are part of HUB; Insureon says it operates as a division of Specialty Program Group LLC, doing business as SPG Insurance Solutions. TechInsurance describes itself as part of Insureon rather than as a separate HUB retail office. [4](https://www.hubinternational.com/about-us/ "About Us") [34](https://www.insureon.com/about-us "About Insureon") [35](https://www.insureon.com/legal/licenses "Insurance Licenses by State") [36](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon "Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon") [37](https://www.techinsurance.com/about-us "About Us | TechInsurance") (Evidence: Company-reported; scope: Corporate-affiliation statements. Does not establish that every HUB office places business through Insureon, or that TechInsurance is a distinct California producer.; verified: 2026-09-16.) | RiskCube offers startup insurance brokerage through RiskCube Insurance Services, LLC. Its parent, RiskCube, Inc., supplies the platform and operational support; third-party insurers issue coverage. [42](https://riskcubeai.com/terms "Terms of Service") [41](https://riskcubeai.com/disclosures "Disclosures & Compensation") (Evidence: Company-reported; scope: Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.; verified: 2026-09-16.) | | Application process | On hubinternational.com, commercial buyers are asked to contact a broker, connect with a specialist, or use Contact Us. Small-commercial inquiries meeting HUB’s stated size tests go to Insureon for an online quote. Product pages such as general liability, D&O, cyber and workers’ compensation use “Contact Us” or “Connect With a Broker” rather than an on-site bind flow. Privacy policy language refers to automation for insurance quoting, without documenting a public HUB retail e-commerce checkout for mid-market programs. [8](https://www.hubinternational.com/contact-us/ "Contact Us") [11](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [12](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [13](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [6](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.) | RiskCube describes one digital intake followed by AI-assisted and broker-reviewed quote comparison and digital purchase. The public application URL reviewed displayed a contact form rather than a complete underwriting flow. [39](https://riskcubeai.com/ "Startup Business Insurance") [49](https://riskcubeai.com/apply "Contact RiskCube") (Evidence: Company-reported; scope: Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.; verified: 2026-09-16.)

For technology E&O, RiskCube asks for product, customer, revenue and contract details, plus prior claims or known incidents. It qualifies its advertised quote timing by risk profile and underwriting complexity. [45](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.; verified: 2026-09-16.)

RiskCube’s terms say quotes are not binders: written confirmation from the insurer or its authorized representative and required conditions must be satisfied before coverage is bound. [42](https://riskcubeai.com/terms "Terms of Service") (Evidence: Company-reported; scope: Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.; verified: 2026-09-16.) | | Servicing and renewals | HUB describes ongoing servicing through local account teams (ProEx notes local policy review and certificates of insurance), a Risk Management Information System for claims administration, certificate tracking and carrier/TPA data, and employee-benefits work that includes multi-year cost planning and renewal support. RMIS is described as available in various tiers. None of those pages publish a standard service-level agreement or fee for those tools. [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [33](https://www.hubinternational.com/products/risk-services/risk-management-information-system/ "Risk Management Information System (RMIS)") [30](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") (Evidence: Company-reported; scope: Company-described servicing capabilities. Client eligibility for RMIS or ProEx specialist teams is not defined on the public pages.; verified: 2026-09-16.) | RiskCube describes platform access for policy management, certificate generation and renewal notifications. A certificate does not change coverage under its terms. [39](https://riskcubeai.com/ "Startup Business Insurance") [42](https://riskcubeai.com/terms "Terms of Service") (Evidence: Company-reported; scope: Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.; verified: 2026-09-16.)

RiskCube says it reviews vendor insurance requirements and checks requested endorsements, including additional insured and waiver-of-subrogation language. Its terms warn that AI-assisted output can be incomplete or inaccurate. [44](https://riskcubeai.com/faq "Startup Insurance FAQ") [42](https://riskcubeai.com/terms "Terms of Service") (Evidence: Company-reported; scope: Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.; verified: 2026-09-16.) | | Fees and compensation | HUB’s How We Get Paid page says it is compensated primarily through insurer-paid commissions included in premium, and also through contingent income, guaranteed supplemental commissions, and, on some complex programs, client-paid fees disclosed in a proposal, sometimes in addition to commission. It owns wholesale brokerages that may earn a second commission when HUB retail uses them. It may receive fees for de-identified data under insurer consulting agreements, premium-finance administration, interest on fiduciary accounts, and policy or claims administration. Strategic Carriers may pay enhanced compensation, part of which may incentivize employees to prioritize those markets. No schedule of commission percentages or standard fees is published. [7](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") (Evidence: Company-reported; scope: Firmwide compensation disclosure. Amounts for a given account are not disclosed on the public page.; verified: 2026-09-16.) | RiskCube’s homepage and FAQ advertise no added broker fees, but its compensation disclosure allows agreed service fees and payment-processing charges. It also describes insurer or intermediary commissions and possible performance incentives. The scope of the fee-free claim needs written clarification for the requested services. [39](https://riskcubeai.com/ "Startup Business Insurance") [44](https://riskcubeai.com/faq "Startup Insurance FAQ") [41](https://riskcubeai.com/disclosures "Disclosures & Compensation") (Evidence: Conflicting sources; scope: Marketing/legal disclosure tension; not a finding that any individual client has been charged an undisclosed fee. No specific commission rate or service fee schedule established.; verified: 2026-09-16.) | ## Related Reading - [What Is HUB International?](https://spot.insure/insurance-providers/hub-international) - [What Is RiskCube Insurance?](https://spot.insure/insurance-providers/riskcube) ## Related Comparisons - [Alliance Risk vs HUB International](https://spot.insure/compare/alliance-risk-vs-hub-international) - [Alliance Risk vs RiskCube](https://spot.insure/compare/alliance-risk-vs-riskcube) - [Amelia Risk vs HUB International](https://spot.insure/compare/amelia-risk-vs-hub-international) - [Amelia Risk vs RiskCube](https://spot.insure/compare/amelia-risk-vs-riskcube) - [Armilla vs HUB International](https://spot.insure/compare/armilla-vs-hub-international) - [Armilla vs RiskCube](https://spot.insure/compare/armilla-vs-riskcube) - [At-Bay vs HUB International Insurance](https://spot.insure/compare/at-bay-vs-hub-international) - [At-Bay vs RiskCube Insurance](https://spot.insure/compare/at-bay-vs-riskcube) - 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[RiskCube vs USI Insurance Services](https://spot.insure/compare/riskcube-vs-usi) - [RiskCube vs Vouch](https://spot.insure/compare/riskcube-vs-vouch) - [RiskCube vs WithCoverage](https://spot.insure/compare/riskcube-vs-withcoverage) ## Sources ### [HUB International Official Website](https://www.hubinternational.com) 1. [Insurance Broker San Francisco](https://www.hubinternational.com/offices/us/california/san-francisco/). HUB International; JSON-LD InsuranceAgency record naming HUB International Limited as parent; About Us office copy for 201 Mission Street; products and industries blocks. Accessed 2026-09-16. 2. [HUB International San Francisco 44 Montgomery Street](https://www.hubinternational.com/offices/us/california/san-francisco-44-montgomery-street/). HUB International; Office profile describing Merriwether & Williams Insurance Services history, bonding and contractor-development programs. Accessed 2026-09-16. 3. [California Insurance Brokers](https://www.hubinternational.com/offices/us/california/). HUB International; Introductory copy and listed California office directory including San Francisco locations. Accessed 2026-09-16. 4. [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. 5. [Terms and Conditions](https://www.hubinternational.com/terms-and-conditions/). HUB International; Licensing section stating subsidiaries are licensed as brokers or agents in various U.S. states and Canadian provinces. Accessed 2026-09-16. 6. [HUB International Privacy Policy](https://www.hubinternational.com/about-us/privacy-policy/). HUB International; Effective 21 August 2025; applies to HUB International Limited and subsidiaries; insurance brokerage services; automation for quoting. Accessed 2026-09-16. 7. [How We Get Paid](https://www.hubinternational.com/about-us/how-we-get-paid/). HUB International; Commission, contingency, supplemental commission, client-paid fees, wholesale, carrier-services, strategic-carrier and other-compensation sections. Accessed 2026-09-16. 8. [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. 9. [Business Insurance Broker Coverage Policy](https://www.hubinternational.com/products/business-insurance/). HUB International; Essential coverage and beyond-the-basics product catalogue. Accessed 2026-09-16. 10. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Startup and software/hardware/digital-media audience; listed business and people coverages; claimed technology-client count. Accessed 2026-09-16. 11. [General Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/general-liability/). HUB International; Product page describing typical general-liability subjects and invitation to contact a broker. Accessed 2026-09-16. 12. [Directors and Officers (D&O) Liability Insurance Broker](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/). HUB International; Product page for private, nonprofit and public-company D&O brokerage. Accessed 2026-09-16. 13. [Cyber Insurance](https://www.hubinternational.com/products/business-insurance/cyber-insurance/). HUB International; Product page describing first-party and post-breach cyber expenses as typically arranged. Accessed 2026-09-16. 14. [Professional Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/). HUB International; Product page equating professional liability with errors and omissions and describing typical claim types. Accessed 2026-09-16. 15. [Errors and Omissions (E&O) Insurance Coverage](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/). HUB International; Industries listed for E&O including technology, and statement that policies are customized. Accessed 2026-09-16. 16. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; Professional & Executive Risk practice: EPL, fiduciary, crime/fidelity, K&R; certificates of insurance; claims and legal support; carrier-premium claim. Accessed 2026-09-16. 17. [Workers' Compensation Insurance Brokers](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/). HUB International; Product page on workers’ compensation brokerage, state-fund variation and typical benefits. Accessed 2026-09-16. 18. [Business Owners Policy (BOP) Company Coverage](https://www.hubinternational.com/products/business-insurance/business-owners-policy/). HUB International; BOP described as combined property and liability for small and mid-size businesses. Accessed 2026-09-16. 19. [Commercial (Business) Property Insurance Brokers](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/). HUB International; Property Practice description, domestic and global carrier access, traditional and alternative structures. Accessed 2026-09-16. 20. [Commercial Auto Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/commercial-auto/). HUB International; Commercial auto and trucking insurance; hired and non-owned exposures. Accessed 2026-09-16. 21. [Crime Insurance Brokers](https://www.hubinternational.com/products/business-insurance/crime-insurance/). HUB International; Crime/fraud coverage product page for private, public and not-for-profit organizations. Accessed 2026-09-16. 22. [Fiduciary Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/). HUB International; Fiduciary liability product page distinguishing it from D&O. Accessed 2026-09-16. 23. [Kidnap and Ransom Insurance Brokers](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/). HUB International; Kidnap and ransom product page for traveling executives and employees. Accessed 2026-09-16. 24. [Surety Bonds and Surety Bond Insurance for Businesses](https://www.hubinternational.com/products/business-insurance/surety-bonds/). HUB International; Contract surety types including bid, performance and payment bonds. Accessed 2026-09-16. 25. [Medical Malpractice Insurance Brokers](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/). HUB International; Medical malpractice brokerage, including telemedicine-related risks. Accessed 2026-09-16. 26. [Mergers & Acquisitions (M&A) Insurance Broker](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/). HUB International; Representations and warranties, litigation buyout and tax indemnification insurance. Accessed 2026-09-16. 27. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). HUB International; General and product liability, umbrella and excess, workers’ compensation, product recall ancillary, global carrier relationships. Accessed 2026-09-16. 28. [Marine Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/marine-insurance/). HUB International; Ocean and inland marine, cargo and related marine liability coverages; domestic and international carriers. Accessed 2026-09-16. 29. [Boiler and Machinery Equipment Insurance Coverage](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/). HUB International; Equipment breakdown / boiler and machinery product page. Accessed 2026-09-16. 30. [Employee Benefits Brokers and Consulting Services](https://www.hubinternational.com/products/employee-benefits/). HUB International; Employee-benefits brokerage and multi-year planning services. Accessed 2026-09-16. 31. [Virtual Care Insurance Brokerage Coverage](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/). HUB International; Virtual care medical professional liability, technology E&O, products liability, cyber and management liability list. Accessed 2026-09-16. 32. [Insurance Claims Management](https://www.hubinternational.com/products/risk-services/claims-management/). HUB International; Claims advocacy, TPA coordination, coverage-dispute support and published process metrics. Accessed 2026-09-16. 33. [Risk Management Information System (RMIS)](https://www.hubinternational.com/products/risk-services/risk-management-information-system/). HUB International; RMIS claims administration, certificate tracking and carrier/TPA data aggregation. Accessed 2026-09-16. 34. [About Insureon](https://www.insureon.com/about-us). Insureon; Insureon as part of HUB; licensed in every state; named example insurers; 2022 acquisition history; TechInsurance origin. Accessed 2026-09-16. 35. [Insurance Licenses by State](https://www.insureon.com/legal/licenses). Insureon; California 0L09546; footer that Insureon operates as a division of Specialty Program Group LLC dba SPG Insurance Solutions. Accessed 2026-09-16. 36. [Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon). Insureon; 1 March 2022 announcement that HUB would acquire the Insureon digital agency and brand; operations to sit in Specialty Program Group LLC. Accessed 2026-09-16. 37. [About Us | TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; TechInsurance as part of Insureon; 2022 HUB acquisition of Insureon’s digital agency. Accessed 2026-09-16. 38. [California Department of Insurance License Status Inquiry](https://cdicloud.insurance.ca.gov/cal). California Department of Insurance; Public license-search portal landing page; interactive search was not completed to a verifiable license record in this research. Accessed 2026-09-16. ### [RiskCube Official Website](https://riskcubeai.com/) 39. [Startup Business Insurance](https://riskcubeai.com/). RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16. 40. [Licenses & Disclosures](https://riskcubeai.com/licenses). RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16. 41. [Disclosures & Compensation](https://riskcubeai.com/disclosures). RiskCube; Sections 1–5; February 11, 2026 version. Accessed 2026-09-16. 42. [Terms of Service](https://riskcubeai.com/terms). RiskCube; Who We Are; sections 5, 9, 10 and 19; February 11, 2026 version. Accessed 2026-09-16. 43. [Startup Insurance Coverage](https://riskcubeai.com/insurance). RiskCube; All coverage types. Accessed 2026-09-16. 44. [Startup Insurance FAQ](https://riskcubeai.com/faq). RiskCube; Getting Started; Industries & Eligibility; Certificates & Compliance; claim question. Accessed 2026-09-16. 45. [Technology Errors and Omissions (E&O) Insurance](https://riskcubeai.com/insurance/tech-eo). RiskCube; Introduction; application FAQ; AI & enterprise risk. Accessed 2026-09-16. 46. [Credit Insurance for Startups](https://riskcubeai.com/insurance/credit-insurance). RiskCube; Introduction; coverage exclusions; closing placement invitation. Accessed 2026-09-16. 47. [Key Person Life Insurance for Startups](https://riskcubeai.com/insurance/life-insurance). RiskCube; Introduction; timing FAQ; closing placement invitation. Accessed 2026-09-16. 48. [Key Person Life Insurance Notice](https://riskcubeai.com/key-person-notice). RiskCube; Sections 2–6; June 23, 2026 version. Accessed 2026-09-16. 49. [Contact RiskCube](https://riskcubeai.com/apply). RiskCube; Talk to a licensed insurance expert; Contact form (served at application URL). Accessed 2026-09-16. 50. [Contact RiskCube](https://riskcubeai.com/insurance/ai). RiskCube; Contact form served at AI Insurance URL. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/hub-international-vs-riskcube.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)