HUB International vs TechInsurance Business Owner’s Policy

HUB brokers business owners policies rather than underwriting them, placing a combined property-and-liability package with an insurer on the client's behalf. ⁴Company-reported. BOP product page as read 2026-09-23; the page does not name an issuing insurer.

TechInsurance arranges a business owner's policy (BOP) as a bundle of general liability and commercial property insurance sold at a discount versus buying the two policies separately, according to the company. ⁷Company-reported. Business owner's policy product page.

The BOP product page does not name an issuing insurer; HUB places BOP business with insurers that vary by client and placement. ⁴Not found in reviewed sources. Checked the BOP product page on 2026-09-23; no carrier is disclosed there.

The reviewed page does not name the issuing insurer for a BOP. ⁷Not publicly disclosed. Business owner's policy product page as read on 2026-09-23.

Not described in the reviewed sources.

TechInsurance says small businesses typically qualify for BOP savings if they have fewer than 100 employees, operate in a low-risk industry, earn less than $1 million in yearly revenue, and use a small commercial space. ⁷Company-reported. Business owner's policy product page, Eligibility requirements for a BOP section.

HUB describes its BOP as combining building and business-property insurance, which repairs or replaces damaged buildings, equipment, stock, furniture or fixtures, with business liability insurance for injury or property-damage claims caused by the business or its employees. ⁴Company-reported. Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim.

TechInsurance says a BOP covers property damage and business personal property, common third-party accidents (general liability), copyright infringement and defamation claims, theft and vandalism, and product liability claims, but excludes employee injuries, cyberattacks, business vehicles and (without an endorsement) natural-disaster property damage. ⁷Company-reported. Business owner's policy product page; general policy description, not a specific policy form.

Published coverage limits, deductibles or premium ranges for HUB-placed BOPs were not found on the product page. ⁴Not publicly disclosed. Checked the BOP product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page.

TechInsurance says its BOP policyholders pay a median of $83 per month, or about $990 a year, with the exact cost depending on business property value, profession risk, policy limits and deductible, location, employee count and claims history. ⁷Company-reported. Business owner's policy product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

HUB says an advisor works with the client to fine-tune the BOP with options that fit the client's line of business, and positions the policy as a way to eliminate coverage gaps between separate property and liability policies. ⁴Company-reported. Product-page marketing copy; no specific risk-control service beyond broker consultation is described.

Not described in the reviewed sources.

HUB directs prospects to contact a HUB broker to get started on a BOP; no online quote or self-serve bind flow is described on the page. ⁴Company-reported. Product-page call to action as read 2026-09-23.

You request BOP quotes online through a single application; TechInsurance says licensed agents can help tailor the policy with endorsements, and a certificate of insurance is typically available the same day you buy coverage. ⁷Company-reported. Business owner's policy product page.