--- title: "HUB International vs Simply Business: Commercial Property Insurance" description: "HUB says an advisor works with clients to fine-tune a BOP and avoid gaps between separate property and liability policies." canonical: "https://spot.insure/compare/hub-international-vs-simply-business/commercial-property" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "hub-international-vs-simply-business" provider-a: "hub-international" provider-b: "simply-business" coverage-line: "commercial-property" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/hub-international-vs-simply-business/commercial-property) ## Agent Guide **What this page is:** Focused comparison of HUB International and Simply Business for Commercial Property Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Commercial Property Insurance questions about HUB International versus Simply Business. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - HUB International vs Simply Business for Commercial Property Insurance: how do they differ? - Which is better for Commercial Property Insurance, HUB International or Simply Business? - What does HUB International or Simply Business publish about Commercial Property Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Commercial Property Insurance from HUB International or Simply Business? **Key facts:** - Line: Commercial Property Insurance. Providers: HUB International and Simply Business. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [HUB International vs Simply Business](https://spot.insure/compare/hub-international-vs-simply-business) — parent: all coverage lines for this pair - [Commercial Property Insurance guide](https://spot.insure/coverage/commercial-property) — coverage explainer for this line - [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile (evidence) - [Simply Business profile](https://spot.insure/insurance-providers/simply-business) — provider profile (evidence) - [HUB International vs Simply Business Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-simply-business/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [HUB International vs Simply Business Cyber Insurance](https://spot.insure/compare/hub-international-vs-simply-business/cyber) — sibling comparison (other line, or other pair for this line) - [HUB International vs Simply Business General Liability Insurance](https://spot.insure/compare/hub-international-vs-simply-business/general-liability) — sibling comparison (other line, or other pair for this line) - [HUB International vs Simply Business Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-simply-business/inland-marine) — sibling comparison (other line, or other pair for this line) - [HUB International vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-simply-business/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [HUB International vs Simply Business Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-simply-business/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs HUB International Commercial Property Insurance](https://spot.insure/compare/aig-vs-hub-international/commercial-property) — sibling comparison (other line, or other pair for this line) - [AIG vs Simply Business Commercial Property Insurance](https://spot.insure/compare/aig-vs-simply-business/commercial-property) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs HUB International Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/commercial-property) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Simply Business Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-simply-business/commercial-property) — sibling comparison (other line, or other pair for this line) - [Aon vs HUB International Commercial Property Insurance](https://spot.insure/compare/aon-vs-hub-international/commercial-property) — sibling comparison (other line, or other pair for this line) - [Aon vs Simply Business Commercial Property Insurance](https://spot.insure/compare/aon-vs-simply-business/commercial-property) — sibling comparison (other line, or other pair for this line) # HUB International vs Simply Business: How Do They Compare for Commercial Property Insurance? HUB says an advisor works with clients to fine-tune a BOP and avoid gaps between separate property and liability policies. ## How to Use the HUB International vs Simply Business Commercial Property Insurance Comparison Use this comparison to evaluate HUB International and Simply Business for Commercial Property Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## HUB International vs Simply Business Commercial Property Insurance Summary HUB says an advisor works with clients to fine-tune a BOP and avoid gaps between separate property and liability policies. HUB brokers the package and does not name its issuing carrier until placement; Simply Business says insurer and quote availability vary by business and state. [4](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [7](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/commercial-property-insurance/ "Commercial Property Insurance") [8](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") ## 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](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [HUB International profile](https://spot.insure/insurance-providers/hub-international) ## Simply Business: Online Small-Business Insurance Marketplace Simply Business describes a digital marketplace and licensed-producer service for small businesses. The policy and selected insurer determine coverage, fees, servicing and claims responsibilities. [5](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [6](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [Simply Business profile](https://spot.insure/insurance-providers/simply-business) ## What Is Commercial Property Insurance? Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop "Business Interruption Insurance/Businessowner’s Policies (BOP)") [11](https://www.tdi.texas.gov/pubs/consumer/cb021.html "Commercial property insurance guide") ## What Are the Key Differences Between HUB International and Simply Business Commercial Property Insurance? ### Placement and Coverage HUB says an advisor works with clients to fine-tune a BOP and avoid gaps between separate property and liability policies. Simply Business describes property only as part of a BOP and says exact covered property and interruption triggers depend on the issued form. If you need tailored coordination, ask HUB what options it recommends and compare them against the marketplace policy wording. [4](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [7](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/commercial-property-insurance/ "Commercial Property Insurance") ### Fit and Process HUB brokers the package and does not name its issuing carrier until placement; Simply Business says insurer and quote availability vary by business and state. Neither record settles which company will carry a particular risk before quoting, so request the insurer’s name and policy form from both. [4](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [7](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/commercial-property-insurance/ "Commercial Property Insurance") ## What Should You Confirm in HUB International and Simply Business Commercial Property Insurance Quotes? - Ask HUB International for the covered locations, valuation basis, property limit, deductible, and the exact endorsements relevant to your building or contents. [4](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") - Ask Simply Business to name the BOP insurer and show the property schedule, covered perils, and any flood or interruption exclusions in the issued form. [7](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/commercial-property-insurance/ "Commercial Property Insurance") ## HUB International vs Simply Business Commercial Property Compared | Criteria | HUB International Commercial Property Insurance Brokerage | Commercial-property coverage presented with a BOP | | --- | --- | --- | | Role in This Line | HUB brokers commercial property insurance and structures placement programs for clients rather than underwriting the coverage itself. [4](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") (Evidence: Company-reported; scope: Commercial property product page as read 2026-09-23; the page does not name an issuing insurer..) | Confirm in your quote. | | Issuing Insurer | The commercial property page does not name an issuing insurer; HUB places property business with carriers that vary by client and program structure. [4](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") (Evidence: Not found in reviewed sources; scope: Checked the commercial property product page on 2026-09-23; no carrier is disclosed there..) | Confirm in your quote. | | Who It’s For | HUB says commercial property coverage availability spans agribusiness, construction, education, energy, financial institutions, healthcare, hospitality, manufacturing, real estate and technology sectors. [4](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") (Evidence: Company-reported; scope: Product-page industries-served list; not a published underwriting appetite by property type or region..) | The company says commercial-property coverage may be valuable to businesses that own or rent their place of business. This is a buyer example, not an insurer eligibility rule. [7](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/commercial-property-insurance/ "Commercial Property Insurance") (Evidence: Company-reported; scope: Company-published commercial-property information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) | | Coverage Features | HUB lists coverage components including building structure protection, business personal property (equipment, furniture and inventory), business interruption and contingent business interruption, equipment breakdown, and natural catastrophe perils such as wind, hail and fire, noting that named-storm availability varies. [4](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") (Evidence: Company-reported; scope: Product-page coverage list; the issued policy and its exclusions control an actual claim..) | Simply Business says it offers commercial-property coverage as part of its BOP package rather than as a standalone policy. The page says the coverage can protect the business location, assets and inventory against fire or certain weather events; the issued form controls. [7](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/commercial-property-insurance/ "Commercial Property Insurance") [8](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") (Evidence: Company-reported; scope: Company-published commercial-property information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) | | Risk Services | HUB says it can structure commercial property programs as traditional single-carrier placements, layered programs, parametric insurance that pays on a predefined trigger such as a wind-speed threshold, or captive and reinsurance solutions, and explains insurance-to-value to help clients avoid coinsurance penalties or reduced claim payouts. [4](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") (Evidence: Company-reported; scope: Product-page program-structure and advisory description; a company-reported service capability..) | Confirm in your quote. | | How to Apply | HUB directs prospects to connect with a broker or specialist advisor through its contact portal; no online quote flow is described on the page. [4](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23..) | The page directs buyers to start a BOP quote to see possible pricing. This is a bundled quote route; it does not establish standalone commercial-property placement or a guaranteed quote. [7](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/commercial-property-insurance/ "Commercial Property Insurance") (Evidence: Company-reported; scope: Company-published commercial-property information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) | ## Related Pages for HUB International vs Simply Business - [HUB International vs Simply Business](https://spot.insure/compare/hub-international-vs-simply-business): all coverage lines, business roles, service and claims. - [What Is Commercial Property Insurance?](https://spot.insure/coverage/commercial-property): Commercial property insurance can protect buildings, equipment and inventory, while valuation, deductibles, exclusions and income protection affect your cost after a loss. - [HUB International vs Simply Business Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-simply-business/business-owners-policy) - [HUB International vs Simply Business Cyber Insurance](https://spot.insure/compare/hub-international-vs-simply-business/cyber) - [HUB International vs Simply Business General Liability Insurance](https://spot.insure/compare/hub-international-vs-simply-business/general-liability) - [HUB International vs Simply Business Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-simply-business/inland-marine) - [HUB International vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-simply-business/professional-errors-omissions) - [HUB International vs Simply Business Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-simply-business/workers-compensation) - [AIG vs HUB International Commercial Property Insurance](https://spot.insure/compare/aig-vs-hub-international/commercial-property) - [AIG vs Simply Business Commercial Property Insurance](https://spot.insure/compare/aig-vs-simply-business/commercial-property) - [Alliance Risk vs HUB International Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/commercial-property) - [Alliance Risk vs Simply Business Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-simply-business/commercial-property) - [Aon vs HUB International Commercial Property Insurance](https://spot.insure/compare/aon-vs-hub-international/commercial-property) - [Aon vs Simply Business Commercial Property Insurance](https://spot.insure/compare/aon-vs-simply-business/commercial-property) ## Sources for HUB International vs Simply Business ### Sources About HUB International 1. [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. 2. [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. 3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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. 4. [Commercial (Business) Property Insurance Brokers](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/). HUB International; Coverage components: building structure, business personal property, business interruption, contingent business interruption, equipment breakdown, natural catastrophe perils; program structures: traditional, layered, parametric, captive, reinsurance; insurance-to-value explanation; industries served list; Connect With a Broker. Accessed 2026-09-23. ### Sources About Simply Business 5. [Our Small Business Insurance Story](https://www.simplybusiness.com/about-us/). Simply Business; Opening description and audience; digital marketplace, business types and U.S. service.. Accessed 2026-09-29. 6. [Terms of Service](https://www.simplybusiness.com/terms-conditions/). Simply Business; Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211.. Accessed 2026-09-29. 7. [Commercial Property Insurance](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/commercial-property-insurance/). Simply Business; Page nested under BOP; lines 15–18, 34–49; lines 59–63 expressly say commercial-property coverage is offered as part of BOP rather than standalone and direct buyers to a BOP quote.. Accessed 2026-09-29. 8. [Business Owner’s Policy Insurance](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/). Simply Business; Bundle lines 34–38, 218–243; add-on/exclusion discussion lines 226–243; buyer and quote sections.. Accessed 2026-09-29. ### Sources for the Commercial Property Insurance Guide 9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; What Should I Expect from a Broker-Agent; Commercial Property: Coverage Sections, Limits of Insurance, and Coinsurance; Covered Causes of Loss; Valuation Types; Inland Marine. Accessed 2026-09-16. 10. [Business Interruption Insurance/Businessowner’s Policies (BOP)](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16. 11. [Commercial property insurance guide](https://www.tdi.texas.gov/pubs/consumer/cb021.html). Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. Accessed 2026-09-16. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## HUB International Review Scores for 2026 Review Score: 5.6 / 10 from 2 rated sources, equally weighted. 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-. - BBB: BBB business grade A- (BBB letter grade). BBB profile for HUB International, Chicago headquarters and its corporate-owned locations (United States). HUB is a global broker; BBB coverage is US/Canada and split by office profile. Period: current page, accessed 2026-09-29; 3 complaints closed in last 3 years. Checked 2026-09-29. [HUB International | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202) - BBB customer reviews: BBB customer reviews 1 (out of 5); 7 reviews. Customer reviews left on the same BBB headquarters profile (HQ and corporate-owned US locations). Small sample. Checked 2026-09-29. [HUB International | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202/customer-reviews) - BBB Canada West: BBB business grade A- (BBB letter grade). BBB profile for HUB International Canada West ULC, Burnaby BC. Covers one Canadian regional entity only, not the whole group. Period: current page; 13 complaints closed in last 3 years; 3 customer reviews. Checked 2026-09-29. [HUB International Canada West ULC | BBB Reviews](https://www.bbb.org/ca/bc/burnaby/profile/insurance-services-office/hub-international-insurance-brokers-hub-coastal-0037-120326/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/hub-international/reviews). ## Simply Business Review Scores for 2026 Review Score: 5.7 / 10 from 4 rated sources, equally weighted. Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0. - Trustpilot: TrustScore 4.3 (out of 5); 1901 reviews. Simply Business US Trustpilot profile. Reviews are not tied to a specific insurance line or insurer. Period: profile accessed 2026-09-29; 419 in last 12 months. Checked 2026-09-29. [Simply Business US Reviews](https://www.trustpilot.com/review/simplybusiness.com) - ConsumerAffairs: ConsumerAffairs header rating 1.0 (out of 5 (breakdown conflicts with review filters)); 148 reviews. ConsumerAffairs Simply Business page, broad business-insurance context; not line-specific. Period: page updated 2026-09-17; denominator unresolved. Checked 2026-09-29. [Simply Business Reviews](https://www.consumeraffairs.com/insurance/simply-business.html) - BBB: BBB business grade B+ (BBB letter grade). BBB profile classifies Simply Business as an insurance agency; business grade, consumer-review average and complaint ledger are separate measures, none is line-specific. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Simply Business BBB Business Profile](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591); [Simply Business BBB Complaints](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/complaints); [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews) - BBB: BBB customer review average 1.95 (out of 5); 20 reviews. BBB customer-review average for the Simply Business profile (Boston, MA). Separate from the business grade. Period: BBB review page checked 2026-09-29. Checked 2026-09-29. [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/simply-business/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/hub-international-vs-simply-business/commercial-property.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)