HUB International vs TechInsurance: How Do They Compare for Umbrella and Excess Liability Insurance?

HUB International brokers umbrella and excess through a casualty practice spanning transportation, construction and healthcare; TechInsurance arranges umbrella only as an add-on, at a median $86 per month per $1 million.

For a small business that needs an extra $1 million or two, TechInsurance is the simple buy at a median $86 a month per million. HUB is built for bigger casualty risks in transportation, construction, healthcare and real estate, with claims and litigation support but no published prices. ^2,¹

What Are the Key Differences Between HUB International and TechInsurance Umbrella and Excess Liability Insurance?

Small Add-On or Catastrophic Casualty Cover

TechInsurance aims its umbrella at businesses required to carry more than $2 million in liability, or with a storefront or similar exposure, and adds it in $1 million steps over your general liability, employer's liability or commercial auto. HUB's casualty practice places umbrella and excess for transportation, construction, healthcare, hospitality, manufacturing, distribution and real estate, where a single settlement can blow through primary limits. Choose TechInsurance if you're a small business meeting a contract or lease limit; choose HUB if you run fleets, job sites or facilities with catastrophic claim exposure. ² ¹

What You Get Beyond the Policy

HUB pairs placements with risk services, claims handling, litigation support and analytics. TechInsurance sells the layer only; it requires an active underlying policy and excludes property damage and intentional criminal acts such as employee theft. ¹ ²

Umbrella or Excess

TechInsurance explains that umbrella extends several policies at once, while excess raises the limit on one, usually E&O or general liability. HUB's page doesn't draw that distinction, so ask which you're being quoted. ² ¹

What Should You Confirm in HUB International and TechInsurance Umbrella and Excess Liability Insurance Quotes?

Tell TechInsurance which policies you need extended so it quotes umbrella or excess correctly. ²
Ask HUB which industry team handles your account and whether claims and litigation support are included. ¹
Use TechInsurance's $86 median per million as a benchmark when you read HUB's quote. ² ¹
Ask both which insurer issues the policy; neither page names one. ² ¹

HUB International vs TechInsurance Umbrella and Excess Liability Compared

HUB International vs TechInsurance: Umbrella and Excess Liability Insurance: documented features by provider

Criteria	HUB International Umbrella and Excess Liability Insurance Brokerage	TechInsurance Commercial Umbrella Insurance
Who It’s For	HUB says its casualty expertise, which includes umbrella and excess liability, spans transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate industries. ¹Company-reported. Product-page industry list for the broader casualty practice; not umbrella-specific eligibility criteria.	TechInsurance says umbrella coverage is especially relevant for businesses required to carry liability limits higher than $2 million or that face high liability risk, such as a storefront, and requires an active underlying policy to remain valid. ²Company-reported. Umbrella insurance product page.
Coverage Features	HUB describes umbrella and excess liability coverage as protection against potentially catastrophic liability claim settlements and judgments that exceed the limits of a client's underlying general liability, auto or employers'-liability policies. ¹Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim.	TechInsurance says umbrella coverage boosts liability limits in $1 million increments across general liability, employer's liability and commercial auto policies, paying for costs once the underlying policy's limit is exhausted, but it does not cover property damage or intentional criminal acts like employee theft. ²Company-reported. Umbrella insurance product page; general policy description, not a specific policy form. TechInsurance distinguishes umbrella insurance, which can extend liability protection over multiple underlying policies, from excess liability insurance, which it says boosts the limit of only one policy (usually E&O or general liability). ²Company-reported. Umbrella insurance product page, How is umbrella liability insurance different from excess liability insurance? section.
Role in This Line	HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. ¹Company-reported. Casualty insurance product page as read 2026-09-23; the page does not name an issuing insurer.	TechInsurance arranges commercial umbrella insurance as an add-on policy that increases liability limits across a buyer's existing general liability, employer's liability, or commercial auto policies; it is not sold as a standalone policy. ²Company-reported. Umbrella insurance product page.

Criteria

HUB International Umbrella and Excess Liability Insurance Brokerage

TechInsurance Commercial Umbrella Insurance

Who It’s For

HUB says its casualty expertise, which includes umbrella and excess liability, spans transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate industries. ¹Company-reported. Product-page industry list for the broader casualty practice; not umbrella-specific eligibility criteria.

TechInsurance says umbrella coverage is especially relevant for businesses required to carry liability limits higher than $2 million or that face high liability risk, such as a storefront, and requires an active underlying policy to remain valid. ²Company-reported. Umbrella insurance product page.

Coverage Features

HUB describes umbrella and excess liability coverage as protection against potentially catastrophic liability claim settlements and judgments that exceed the limits of a client's underlying general liability, auto or employers'-liability policies. ¹Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim.

TechInsurance says umbrella coverage boosts liability limits in $1 million increments across general liability, employer's liability and commercial auto policies, paying for costs once the underlying policy's limit is exhausted, but it does not cover property damage or intentional criminal acts like employee theft. ²Company-reported. Umbrella insurance product page; general policy description, not a specific policy form.

TechInsurance distinguishes umbrella insurance, which can extend liability protection over multiple underlying policies, from excess liability insurance, which it says boosts the limit of only one policy (usually E&O or general liability). ²Company-reported. Umbrella insurance product page, How is umbrella liability insurance different from excess liability insurance? section.

Role in This Line

HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. ¹Company-reported. Casualty insurance product page as read 2026-09-23; the page does not name an issuing insurer.

TechInsurance arranges commercial umbrella insurance as an add-on policy that increases liability limits across a buyer's existing general liability, employer's liability, or commercial auto policies; it is not sold as a standalone policy. ²Company-reported. Umbrella insurance product page.