HUB International vs 
Simply Business: How Do They Compare for Inland Marine 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. 1,2,3
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. 6,7
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. 9,10
Key Differences in Inland Marine Insurance
Property types and loss causes
HUB describes inland marine for goods moved by truck or train, jobsite machinery, warehouse storage and specialized items such as exhibits, medical equipment and computer systems. Its pages also identify theft, water, wind, accidental damage and mysterious disappearance as possible covered perils. Simply Business summarizes equipment and inventory away from the premises but says the policy form controls causes and conditions. Confirm that the proposal lists your specific property and loss causes. 5 8
Broker consultation or online comparison
HUB directs prospective buyers to a marine specialist or broker and notes inland marine policies carry limits and deductibles without publishing amounts. Simply Business uses an online quote form to compare insurers, with availability dependent on location and carrier. If the property values are complex, ask HUB to structure the limit; with either route, review the deductible against likely losses. 4 7
What to Confirm in Inland Marine Insurance Quotes
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 reviewsSimply Business
Review Score
4 rated sources
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.[6][10][7]
Read Simply Business reviewsOffering Details
HUB International vs Simply Business: Inland Marine Insurance: documented features by provider
| Criteria | HUB International Inland Marine Insurance Brokerage | Inland-marine insurance through Simply Business |
|---|---|---|
| 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. | Confirm in your quote. |
| Who It’s For | Confirm in your quote. | The company gives contractors with tools, photographers with cameras and mobile groomers with equipment as examples of potential inland-marine buyers. Those examples do not guarantee eligibility. 8Company-reported. Company-published inland-marine information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| 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. | Simply Business describes inland-marine coverage for equipment and inventory in transit or stored away from the business premises; policy wording controls covered causes, limits and conditions. 8Company-reported. Company-published inland-marine information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| 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. | Confirm in your quote. |
| 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 describes an online quote form and comparison of insurer quotes, with customization discussed as part of the quote process. Availability depends on state, buyer and insurer; the site Terms do not guarantee a quote or binding. 8,7Company-reported. Company-published inland-marine information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
Full Comparison
More HUB International vs Simply Business 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.
Simply Business
- Our Small Business Insurance Story. Simply Business; Opening description and audience; digital marketplace, business types and U.S. service. Accessed 2026-09-29.
- Terms of Service. 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.
- Inland Marine Insurance. Simply Business; Equipment/inventory lines 15–18, 59–63; examples and quote workflow lines 97–140, 168–191. Accessed 2026-09-29.
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.
