HUB International vs 
TechInsurance Umbrella and Excess Liability Insurance
HUB brokers catastrophic casualty umbrella without published premiums; TechInsurance sells $1 million-increment add-ons with a median monthly cost.
What Is HUB International?
HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. 1,2,3
What Is TechInsurance?
TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. 5,6
What Is Umbrella and Excess Liability Insurance?
Commercial umbrella insurance can provide additional liability limits above scheduled underlying policies for covered claims. Don't assume umbrella and excess liability are the same coverage — the labels aren't proven synonyms. 8,9
Key Differences in Umbrella and Excess Liability Insurance
Casualty Placement Versus a Metered Add-On
HUB brokers umbrella and excess through its casualty practice rather than underwriting. TechInsurance arranges commercial umbrella as an add-on that increases limits across existing general liability, employer’s liability or commercial auto policies and is not sold as a standalone policy. 4 7
HUB describes catastrophic settlements that exceed those underlying liability limits. TechInsurance says the layer pays once the underlying limit is exhausted, boosts those lines in $1 million increments, and does not cover property damage or intentional criminal acts such as employee theft. 4 7
TechInsurance distinguishes umbrella over multiple underlying policies from excess that boosts only one policy, usually E&O or general liability. HUB’s casualty page does not draw that umbrella-versus-excess product split. 7 4
Price, Audience and Services
TechInsurance cites a median of $86 per month for each $1 million of additional coverage and says the product is especially relevant for businesses required to carry more than $2 million of liability or that face high liability risk such as a storefront. HUB does not publish premiums; it names transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate, and pairs placements with risk-services, claims, litigation and analytics. 7 4
Neither page names the issuing insurer. TechInsurance requires an active underlying policy for the umbrella to remain valid. 7 4
What to Confirm in Umbrella and Excess Liability Insurance Quotes
- Ask TechInsurance whether you need umbrella over several policies or excess over one, and which exclusions apply. 7
- Ask HUB which industry casualty panel and claims or litigation support apply. 4
- Compare TechInsurance’s per-million median with HUB’s quoted premium, which is not published in advance. 7 4
- Confirm issuing carriers on both quotes. 7 4
Offering Details
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 |
|---|---|---|
| Role in This Line | HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. 4Company-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. 7Company-reported. Umbrella insurance product page. |
| Issuing Insurer | The casualty insurance page does not name an issuing insurer for umbrella or excess coverage; HUB places this coverage with insurers that vary by client and program. 4Not found in reviewed sources. Checked the casualty insurance page on 2026-09-23; no carrier is disclosed there. | The reviewed page does not name the issuing insurer for an umbrella policy. 7Not publicly disclosed. Umbrella insurance product page as read on 2026-09-23. |
| 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. 4Company-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. 7Company-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. 4Company-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. 7Company-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). 7Company-reported. Umbrella insurance product page, How is umbrella liability insurance different from excess liability insurance? section. |
| Limits and Retentions | Published umbrella or excess limit amounts, attachment points or premium information were not found on the casualty insurance page. 4Not publicly disclosed. Checked the casualty insurance page on 2026-09-23; limits are set on the quote and declarations. | TechInsurance says commercial umbrella coverage costs a median of $86 per month for each $1 million of additional coverage, with the exact premium depending on business size, location, industry risk, claims history, employee count and number of company vehicles. 7Company-reported. Umbrella insurance product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. |
| Risk Services | HUB describes a "Global Reach, Local Touch" approach built on extensive carrier relationships and says it applies risk-services, claims, litigation and analytics expertise across its casualty programs, which include umbrella and excess placements. 4Company-reported. Product-page service description; a company-reported capability describing the broader casualty practice, not umbrella-specific service detail. | Not described in the reviewed sources. |
Full Comparison
More HUB International vs TechInsurance Comparisons
Other Umbrella and Excess Liability 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.
- Comprehensive Casualty Insurance Solutions. HUB International; Umbrella & Excess Liability section: protection for potentially catastrophic liability claim settlements and judgments; General & Product Liability section; Global Reach, Local Touch carrier-relationship description; industries served list; Connect With a HUB casualty insurance broker. Accessed 2026-09-23.
TechInsurance
- About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
- Contact Us. TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
- Commercial Umbrella Liability Insurance. TechInsurance; What does commercial umbrella insurance cover?; How much does umbrella insurance cost?; How does business umbrella insurance work for small businesses?; How is umbrella liability insurance different from excess liability insurance? Accessed 2026-09-23.
Umbrella and Excess Liability Insurance Guide
- Liability Insurance. Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
