---
title: "HUB International vs TechInsurance Umbrella and Excess Liability Insurance"
description: "HUB brokers catastrophic casualty umbrella without published premiums; TechInsurance sells $1 million-increment add-ons with a median monthly cost."
canonical: "https://spot.insure/compare/hub-international-vs-techinsurance/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-09-23"
---
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# 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.
## Research Scope and Use
Use this comparison to evaluate HUB International and TechInsurance for Umbrella and Excess Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.
## Summary
HUB places umbrella and excess through casualty for transportation, construction, healthcare, hospitality, manufacturing and real estate and does not publish limit or premium figures. TechInsurance arranges commercial umbrella as a non-standalone add-on in $1 million increments, cites a median $86 per month per million, and distinguishes umbrella from excess over a single policy. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [7](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance")
## 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](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")
[HUB International profile](https://spot.insure/insurance-providers/hub-international)
## 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](https://www.techinsurance.com/about-us "About TechInsurance") [6](https://www.techinsurance.com/contact-us "Contact Us")
[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)
## 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](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")
## 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](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [7](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance")
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](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [7](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance")
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](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")
### 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](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")
Neither page names the issuing insurer. TechInsurance requires an active underlying policy for the umbrella to remain valid. [7](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")
## 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](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance")
- Ask HUB which industry casualty panel and claims or litigation support apply. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")
- Compare TechInsurance’s per-million median with HUB’s quoted premium, which is not published in advance. [7](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")
- Confirm issuing carriers on both quotes. [7](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")
## Offering Details
| 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. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [7](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Not found in reviewed sources; scope: 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. [7](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") (Evidence: Not publicly disclosed; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [7](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [7](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") (Evidence: Company-reported; scope: 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). [7](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Not publicly disclosed; scope: 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. [7](https://www.techinsurance.com/umbrella-liability-insurance "Commercial Umbrella Liability Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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
- [HUB International vs TechInsurance](https://spot.insure/compare/hub-international-vs-techinsurance): all coverage lines, business roles, service and claims.
- [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella and excess liability insurance can add limits above the underlying policies it lists, subject to its coverage terms.
- [HUB International vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-techinsurance/business-owners-policy)
- [HUB International vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/commercial-auto)
- [HUB International vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/commercial-property)
- [HUB International vs TechInsurance Cyber Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/cyber)
- [HUB International vs TechInsurance D&O Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/directors-officers)
- [HUB International vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/employment-practices)
- [HUB International vs TechInsurance Fidelity Bonds](https://spot.insure/compare/hub-international-vs-techinsurance/fidelity-bonds)
- [HUB International vs TechInsurance General Liability Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/general-liability)
- [HUB International vs TechInsurance Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/inland-marine)
- [HUB International vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/professional-errors-omissions)
- [HUB International vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/technology-errors-omissions)
- [HUB International vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/workers-compensation)
- [Alliance Risk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/umbrella-excess)
- [Alliance Risk vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/umbrella-excess)
- [Amelia Risk vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/umbrella-excess)
- [Amelia Risk vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/umbrella-excess)
- [CFC vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-hub-international/umbrella-excess)
- [CFC vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/cfc-vs-techinsurance/umbrella-excess)
## Sources
### HUB International
1. [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.
2. [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.
3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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.
4. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). 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
5. [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.
6. [Contact Us](https://www.techinsurance.com/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.
7. [Commercial Umbrella Liability Insurance](https://www.techinsurance.com/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
8. [Liability Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/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.
9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). 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.
Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [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/umbrella-excess.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)