HUB International vs 
The Hartford: How Do They Compare for Commercial Property Insurance?
The Hartford reports about $1,605 in average annual property premiums and offers standalone or BOP cover; HUB International brokers programs with layered or parametric structures.
The Hartford underwrites commercial property itself and says customers pay about $1,605 a year on average, while HUB brokers placements with outside carriers and publishes neither an insurer name nor a cost estimate. 2,1
What Are the Key Differences Between HUB International and The Hartford Commercial Property Insurance?
Who Carries the Risk
HUB brokers commercial property and structures placement programs with outside carriers rather than underwriting the coverage itself. 1 The Hartford is the underwriter: its policy protects an owned or rented building plus the tools and equipment used to operate the business, and can be bought stand-alone or as part of a BOP. 2
What You'll Pay
The Hartford publishes a specific figure:
The Hartford's customers pay about $1,605 a year on average for commercial property insurance, and deductible amounts can range from a couple hundred to a few thousand dollars, chosen by the buyer; a higher deductible generally lowers the premium. 2Company-reported. Company-reported average and deductible range as of 2026-09-23; not a specific quote.
HUB's page discloses no comparable cost estimate; it explains insurance-to-value as a general concept for matching coverage to asset value rather than quoting typical premiums. 1
What the Policy Excludes
The Hartford lists concrete exclusion examples: a customer dropping their own laptop, an employee's accidental interior damage to a client's property, vehicle accidents, and nearby flooding from a natural water source. 2 HUB's page lists coverage components and catastrophe perils it can include but does not publish a comparable exclusions list for its placements. 1
What Should You Confirm in HUB International and The Hartford Commercial Property Insurance Quotes?
- Ask The Hartford how your specific building, equipment and location compare to its published average premium and deductible range. 2
- Ask HUB which carrier it would place your risk with and for an estimated cost range, since its page names neither. 1
- Compare each policy's exclusions in detail, especially around water damage and employee-caused damage to others' property. 2
- Ask HUB whether a traditional, layered or captive structure would apply to your account, since its page does not itemize policy exclusions. 1
HUB International vs The Hartford Commercial Property Compared
HUB International vs The Hartford: Commercial Property Insurance: documented features by provider
| Criteria | HUB International Commercial Property Insurance Brokerage | The Hartford Commercial Property Insurance |
|---|---|---|
| Who It’s For | HUB says commercial property coverage availability spans agribusiness, construction, education, energy, financial institutions, healthcare, hospitality, manufacturing, real estate and technology sectors. 1Company-reported. Product-page industries-served list; not a published underwriting appetite by property type or region. | The Hartford says any business that owns, rents or leases a building needs commercial property coverage, and names beauty salons, consultants, photographers, retail stores, restaurants and technology firms as common buyers; coverage also extends to leased or rented property, not just owned buildings. 2Company-reported. Commercial property product page as read 2026-09-23. |
| Coverage Features | HUB lists coverage components including building structure protection, business personal property (equipment, furniture and inventory), business interruption and contingent business interruption, equipment breakdown, and natural catastrophe perils such as wind, hail and fire, noting that named-storm availability varies. 1Company-reported. Product-page coverage list; the issued policy and its exclusions control an actual claim. | The Hartford says the policy covers losses from fire, burglary, theft, wind and lightning to a business's building, equipment, tools, inventory, furniture and personal property, and includes business interruption coverage for lost income during repairs. It explicitly excludes a customer dropping their own laptop, an employee's accidental interior damage to a client's property, vehicle accidents, and nearby flooding from a natural water source. 2Company-reported. Commercial property product page as read 2026-09-23. General coverage description; the issued policy controls. |
| Role in This Line | HUB brokers commercial property insurance and structures placement programs for clients rather than underwriting the coverage itself. 1Company-reported. Commercial property product page as read 2026-09-23; the page does not name an issuing insurer. | The Hartford's commercial property insurance protects an owned or rented building plus the tools and equipment used to operate the business, and can be bought stand-alone or as part of a BOP. 2Company-reported. Commercial property product page as read 2026-09-23. |
