HUB International vs 
The Hartford: How Do They Compare for General Liability Insurance?
The Hartford sells GL stand-alone or in a Business Owner's Policy, with average premiums of about $810 a year; HUB International brokers GL and places the policy with an insurer on the client's behalf.
The Hartford reports an average general liability premium near $810 a year and underwrites the policy itself, while HUB brokers the line and names neither an insurer nor a price. 2,1
What Are the Key Differences Between HUB International and The Hartford General Liability Insurance?
Who Actually Underwrites the Policy
The Hartford's general liability page describes The Hartford's own policy, sold standalone or bundled into a business owner's policy. 2 HUB instead brokers the line, placing it with an insurer that its general liability page does not name. 1
Publishing an Average Premium or Not
The Hartford reports an average annual premium across its general liability customers. 2 HUB's page names no comparable pricing or limit figures for a brokered general liability policy.
Published per-occurrence or aggregate limits, deductibles or retentions for HUB-placed general liability policies were not found on the product page. 1Not publicly disclosed. Checked the general liability product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page.
Naming Target Professions or Naming Injury Scenarios
The Hartford lists specific professions it markets general liability to, including architects, engineers, photographers, hair salons, gym owners, interior designers, technology companies, landscapers and real estate agents. 2 HUB instead frames its coverage around who could be hurt or whose property could be damaged, naming customers, employees, vendors and visitors rather than specific professions. 1
What Should You Confirm in HUB International and The Hartford General Liability Insurance Quotes?
- Ask The Hartford for your own quoted premium rather than relying on its reported $810 average. 2
- Ask HUB which insurer it would place your policy with and what limits it can offer. 1
- Confirm whether The Hartford's product recall endorsement is included in your quote or priced separately. 2
- Ask HUB what risk-control services, if any, come with a brokered general liability policy. 1
HUB International vs The Hartford General Liability Insurance Compared
HUB International vs The Hartford: General Liability Insurance: documented features by provider
| Criteria | HUB International General Liability Insurance Brokerage | The Hartford General Liability Insurance |
|---|---|---|
| Coverage Features | HUB says general liability policies it arranges typically respond to bodily injury to customers, employees, vendors or visitors on the client's premises, personal injury from an employee's negligence or actions, property damage caused by employees, and advertising injury such as slander or false advertising claims. 1Company-reported. Product-page description of typical coverage scenarios; the issued policy and its exclusions control what a specific claim triggers. | The Hartford lists key coverages under its GL policy: bodily injury, property damage, personal and advertising injury (like libel or false advertising claims), legal fees/judgments/settlements, copyright infringement in advertising, products-completed operations (claims after a job is finished), and medical payments for minor injuries regardless of fault. Product liability coverage is included as part of the GL policy, while product recall is available only as an endorsement. 2Company-reported. General liability product page as read 2026-09-23. Coverage descriptions are general; the issued policy controls. |
| Role in This Line | HUB brokers commercial general liability coverage rather than underwriting it itself, placing the policy with an insurer on the client's behalf. 1Company-reported. General liability product page as read on 2026-09-23; the page does not name an issuing insurer. | The Hartford's general liability insurance (GLI), also called commercial general liability (CGL), helps protect small businesses from third-party claims of bodily injury or property damage. It can be bought as a stand-alone policy or bundled into a Business Owner's Policy. 2Company-reported. General liability product page as read 2026-09-23. |
