--- title: "HUB International vs TechInsurance" description: "Choosing between HUB’s advisor route and its related TechInsurance digital agency as a technology business grows." canonical: "https://spot.insure/compare/hub-international-vs-techinsurance" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "HUB International", "TechInsurance"] --- [Human-readable page](https://spot.insure/compare/hub-international-vs-techinsurance) # HUB International vs TechInsurance Choosing between HUB’s advisor route and its related TechInsurance digital agency as a technology business grows. ## Research Scope and Use Use this comparison to evaluate HUB International and TechInsurance 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 is a broad insurance brokerage that routes qualifying small-commercial inquiries to Insureon. TechInsurance is part of Insureon and the SPG operation within HUB, so this is a comparison of related service routes rather than unrelated broker groups. [4](https://www.hubinternational.com/about-us/ "About Us") [8](https://www.hubinternational.com/contact-us/ "Contact Us") [34](https://www.insureon.com/about-us "About Insureon") [40](https://www.techinsurance.com/about-us "About TechInsurance") [47](https://www.techinsurance.com/legal/compensation-disclosure "Compensation Disclosure Notice") ## Introduction A technology founder considering a local HUB team and TechInsurance should first recognize the corporate connection. HUB routes qualifying small-commercial inquiries to Insureon; TechInsurance describes itself as part of that organization. The question is which team and service model will handle the account, not whether these are independent competing broker groups. [8](https://www.hubinternational.com/contact-us/ "Contact Us") [34](https://www.insureon.com/about-us "About Insureon") [40](https://www.techinsurance.com/about-us "About TechInsurance") ## 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.) ### TechInsurance - One application to compare multiple insurance quotes [40](https://www.techinsurance.com/about-us "About TechInsurance") (Evidence: Company-reported; scope: Public application description; no application submitted or quote obtained.; verified: 2026-09-16.) - Technology E&O and cyber coverage marketed together [45](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") (Evidence: Company-reported; scope: Direct technology E&O product page with quotation route; marketing description does not establish every carrier’s policy structure.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | HUB International | TechInsurance | | --- | --- | --- | | 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") | Listed [44](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") | | 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") | Listed [39](https://www.techinsurance.com/ "Technology Business Insurance") | | Commercial property | Listed [19](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") | Listed [44](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") | | 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") | Not listed | | 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 [44](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") | | 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 [44](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") | | 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 [44](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") | | 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") | Listed [44](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") | | 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") | Not listed | | General liability | Listed [11](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") | Listed [44](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") | | 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") | Not listed | | 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") | Listed [44](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") | | 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") | Listed [41](https://www.techinsurance.com/contact-us "Contact Us") | | Technology errors and omissions | Listed [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | Listed [45](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") | | Tools, equipment and inland marine | Listed [28](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") | Listed [46](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners") | | 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 [44](https://www.techinsurance.com/small-business-insurance "Small Business 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") | Listed [44](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") | 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 TechInsurance ### Routing Rules Do Not Define Insurance Eligibility HUB’s contact page uses employee and revenue tests to direct small-commercial inquiries toward Insureon, while other commercial needs go to advisors or offices. Those are routing rules, not a promise of acceptance or a requirement that a growing company immediately move teams. TechInsurance’s single-application route is designed for comparing small-business insurer options. [8](https://www.hubinternational.com/contact-us/ "Contact Us") [40](https://www.techinsurance.com/about-us "About TechInsurance") Ask whether the proposed HUB conversation would reach the same digital operation, a different specialist team or a coordinated referral. If two teams approach insurers, agree who controls the submission and how existing applications are handled. Shared ownership does not establish shared access to every market or identical advice. [34](https://www.insureon.com/about-us "About Insureon") [7](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") ### A Broader Assignment Needs an Explicit Service Scope HUB’s technology practice markets business insurance and people-related coverages, and its risk services include claims-management and data tools. TechInsurance documents technology E&O/cyber, account-manager assistance and certificates, while its public pages leave complex-program commitments unresolved. For a company adding benefits, multiple entities or more demanding claims work, ask which team will own those tasks and what is separately engaged. [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [33](https://www.hubinternational.com/products/risk-services/risk-management-information-system/ "Risk Management Information System (RMIS)") [32](https://www.hubinternational.com/products/risk-services/claims-management/ "Insurance Claims Management") [45](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") [41](https://www.techinsurance.com/contact-us "Contact Us") HUB’s published San Francisco office presence supports a local conversation, not California product eligibility. The parent record does not identify the contracting producer for every San Francisco engagement. TechInsurance names its SPG division; confirm whether a move to a HUB team changes that legal entity, the service agreement or only the assigned people. [1](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") [5](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [47](https://www.techinsurance.com/legal/compensation-disclosure "Compensation Disclosure Notice") ### Group Compensation Still Needs Account-Level Disclosure HUB and TechInsurance’s linked SPG disclosure both describe commissions, possible client fees and strategic-carrier incentives. They do not establish identical charges on the two routes. Obtain the placement and service compensation specific to each proposal, including any affiliate or wholesale involvement. [7](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") [48](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") A service transfer should also preserve insurer and policy information. Corporate affiliation does not make HUB the insurer, nor does it guarantee that a new team can renew every existing placement on unchanged terms. Ask for a transition schedule if the account is moving out of the digital route. [5](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [46](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners") ## What to Confirm in Quotes - Which HUB or Insureon/SPG team will actually receive the inquiry, and are the two proposed routes reaching the same operation? [8](https://www.hubinternational.com/contact-us/ "Contact Us") [40](https://www.techinsurance.com/about-us "About TechInsurance") - Name the California producer, insurers and tasks transferring, including any benefits or specialist risk-services assignment. [5](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [42](https://www.techinsurance.com/legal/licenses "Insurance Licensing") - Request a service and compensation comparison within the group, with a single owner for market submissions and renewals. [7](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") [48](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") ## Service Comparison HUB International vs TechInsurance: documented services and availability. | Criteria | HUB International | TechInsurance | | --- | --- | --- | | 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.) | TechInsurance is a small-business insurance agency and brokerage. Its legal disclosure identifies the business as a division of Specialty Program Group LLC, doing business in California as SPG Insurance Solutions. [41](https://www.techinsurance.com/contact-us "Contact Us") [47](https://www.techinsurance.com/legal/compensation-disclosure "Compensation Disclosure Notice") [48](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Brand and disclosed producer entity; company sources, not independent regulatory verification.; verified: 2026-09-16.)

TechInsurance describes itself as part of Insureon and HUB International. Its history says HUB acquired Insureon’s digital agency in 2022 while Bold Penguin acquired the technology platform; HUB’s acquisition announcement placed the agency operations within Specialty Program Group. [40](https://www.techinsurance.com/about-us "About TechInsurance") [41](https://www.techinsurance.com/contact-us "Contact Us") [50](https://www.hubinternational.com/en-CA/media-center/press-releases/2022/03/hub-international-and-bold-penguin-to-acquire-insureon/ "Hub International and Bold Penguin to Acquire Insureon") (Evidence: Company-reported; scope: Current company relationship descriptions plus historical acquisition announcement; does not make HUB or Bold Penguin the policy insurer.; verified: 2026-09-16.) | | 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.) | TechInsurance markets to small businesses, including startups and freelancers, with a technology focus spanning software developers, SaaS companies, IT consultants and managed service providers. Its catalogue also serves traditional industries. [46](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners") [45](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") (Evidence: Company-reported; scope: Marketed customer groups, not acceptance criteria or proof of growth-stage capacity.; 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.) | TechInsurance describes a single application for comparing multiple insurance quotes, followed by policy purchase and online coverage management, with licensed-agent guidance available. [40](https://www.techinsurance.com/about-us "About TechInsurance") (Evidence: Company-reported; scope: Public application description; no application submitted or quote obtained.; verified: 2026-09-16.)

TechInsurance’s account instructions warn that quotes may take time to appear after an application is submitted; an application is not confirmation of bound coverage. [41](https://www.techinsurance.com/contact-us "Contact Us") (Evidence: Company-reported; scope: Public quote-account instructions; no universal turnaround time established.; 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.) | TechInsurance says it provides a dedicated account manager and online certificate access. Its instructions require an active policy for a certificate request and direct urgent requests to the account manager. [39](https://www.techinsurance.com/ "Technology Business Insurance") [41](https://www.techinsurance.com/contact-us "Contact Us") (Evidence: Company-reported; scope: Documented service description, not tested service speed or quality.; verified: 2026-09-16.)

The reviewed About and Contact pages do not establish a renewal remarketing schedule, a contractual response-time commitment, or the scope of dedicated support for a complex growth-stage insurance program. [40](https://www.techinsurance.com/about-us "About TechInsurance") [41](https://www.techinsurance.com/contact-us "Contact Us") (Evidence: Not publicly disclosed; scope: Scoped public-information gap; does not establish that these services are unavailable.; 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.) | TechInsurance directs buyers to SPG’s compensation disclosure, which describes insurer commissions, contingent and supplemental payments, and possible negotiated client fees. Some placements may involve both commission and client-paid fees; quote-specific amounts are not disclosed there. [47](https://www.techinsurance.com/legal/compensation-disclosure "Compensation Disclosure Notice") [48](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Group disclosure expressly linked by TechInsurance; does not establish fees charged on a particular placement.; verified: 2026-09-16.)

SPG discloses that strategic insurers may pay enhanced compensation and that some of it may incentivize employees to prioritize those insurers’ products. Ask which markets were approached and how the placement is compensated. [48](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Group compensation policy linked by TechInsurance; no finding of unsuitable placement or actual employee incentives on a given account.; verified: 2026-09-16.) | ## Related Reading - [What Is HUB International?](https://spot.insure/insurance-providers/hub-international) - [What Is TechInsurance?](https://spot.insure/insurance-providers/techinsurance) ## Related Comparisons - [Alliance Risk vs HUB International](https://spot.insure/compare/alliance-risk-vs-hub-international) - [Alliance Risk vs TechInsurance](https://spot.insure/compare/alliance-risk-vs-techinsurance) - [Amelia Risk vs HUB International](https://spot.insure/compare/amelia-risk-vs-hub-international) - [Amelia Risk vs TechInsurance](https://spot.insure/compare/amelia-risk-vs-techinsurance) - [Armilla vs HUB International](https://spot.insure/compare/armilla-vs-hub-international) - [Armilla vs TechInsurance](https://spot.insure/compare/armilla-vs-techinsurance) - 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[Gallagher vs TechInsurance](https://spot.insure/compare/gallagher-vs-techinsurance) - [Harper vs HUB International](https://spot.insure/compare/harper-vs-hub-international) - [Harper vs TechInsurance](https://spot.insure/compare/harper-vs-techinsurance) - [Heffernan vs HUB International](https://spot.insure/compare/heffernan-vs-hub-international) - [Heffernan vs TechInsurance](https://spot.insure/compare/heffernan-vs-techinsurance) - [Hiscox vs HUB International](https://spot.insure/compare/hiscox-vs-hub-international) - [Hiscox vs TechInsurance](https://spot.insure/compare/hiscox-vs-techinsurance) - [HUB International vs Kinro](https://spot.insure/compare/hub-international-vs-kinro) - [HUB International vs Layr](https://spot.insure/compare/hub-international-vs-layr) - [HUB International vs Lockton](https://spot.insure/compare/hub-international-vs-lockton) - [HUB International vs Marsh](https://spot.insure/compare/hub-international-vs-marsh) - [HUB International vs Mylo](https://spot.insure/compare/hub-international-vs-mylo) - 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[RiskCube vs TechInsurance](https://spot.insure/compare/riskcube-vs-techinsurance) - [Risklytics vs TechInsurance Insurance](https://spot.insure/compare/risklytics-vs-techinsurance) - [StartupInsurance.ai vs TechInsurance](https://spot.insure/compare/startupinsurance-vs-techinsurance) - [TechInsurance vs The Hartford](https://spot.insure/compare/techinsurance-vs-the-hartford) - [TechInsurance vs Travelers](https://spot.insure/compare/techinsurance-vs-travelers) - [TechInsurance vs USI Insurance Services](https://spot.insure/compare/techinsurance-vs-usi) - [TechInsurance vs Vouch](https://spot.insure/compare/techinsurance-vs-vouch) - [TechInsurance vs WithCoverage](https://spot.insure/compare/techinsurance-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. ### [TechInsurance Official Website](https://www.techinsurance.com/) 39. [Technology Business Insurance](https://www.techinsurance.com/). TechInsurance; Top business insurance policies; proof of insurance and expert advice; footer. Accessed 2026-09-16. 40. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16. 41. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: agent or broker; application; finding quotes; updating address; certificates; How does TechInsurance work?. Accessed 2026-09-16. 42. [Insurance Licensing](https://www.techinsurance.com/legal/licenses). TechInsurance; Where we are licensed; California entry; footer legal entity. Accessed 2026-09-16. 43. [Small Business Insurance in California](https://www.techinsurance.com/small-business-insurance/states/california). TechInsurance; Find California business insurance in three easy steps; recommended policies and Get Quotes controls. Accessed 2026-09-16. 44. [Small Business Insurance](https://www.techinsurance.com/small-business-insurance). TechInsurance; Top recommended small business insurance policies; Specialized coverage for unique risks. Accessed 2026-09-16. 45. [Technology Errors and Omissions – Tech E&O Insurance](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage). TechInsurance; Tech E&O insurance includes two policies; quotation form; Technology professionals we insure. Accessed 2026-09-16. 46. [Our Insurance Partners](https://www.techinsurance.com/about-us/business-insurance-partners). TechInsurance; Named provider sections; More key policies our dedicated providers offer; Professions we insure. Accessed 2026-09-16. 47. [Compensation Disclosure Notice](https://www.techinsurance.com/legal/compensation-disclosure). TechInsurance; TechInsurance business practices and link to SPG disclosure. Accessed 2026-09-16. 48. [Compensation Disclosure](https://www.specialtyprogramgroup.com/compensation-disclosure/). Specialty Program Group; Commission Income; Contingency Income; Fees Paid by Clients; Customer Centric Carriers; footer. Accessed 2026-09-16. 49. [How Do I File a Business Insurance Claim?](https://www.techinsurance.com/resources/how-to-file-a-business-insurance-claim). TechInsurance; Opening carrier-contact instruction; property and liability claim sections and TechInsurance agent assistance. Accessed 2026-09-16. 50. [Hub International and Bold Penguin to Acquire Insureon](https://www.hubinternational.com/en-CA/media-center/press-releases/2022/03/hub-international-and-bold-penguin-to-acquire-insureon/). HUB International; March 1, 2022 announcement; agency/platform split; Insureon operations within SPG. 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-techinsurance.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)