---
title: "HUB International vs The Hartford General Liability Insurance"
description: "The Hartford underwrites and prices its own general liability policy directly, while HUB brokers the line without naming an insurer or price."
canonical: "https://spot.insure/compare/hub-international-vs-the-hartford/general-liability"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# HUB International vs The Hartford General Liability Insurance

The Hartford underwrites and prices its own general liability policy directly, while HUB brokers the line without naming an insurer or price.

## Research Scope and Use

Use this comparison to evaluate HUB International and The Hartford for General 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

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. [8](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") [4](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers")

## 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 The Hartford?

The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. [5](https://www.thehartford.com/legal-notice "Legal Notice") [6](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [7](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent")

[The Hartford profile](https://spot.insure/insurance-providers/the-hartford)

## What Is General Liability Insurance?

General liability covers claims that your business injured someone, damaged their property or committed a specified personal or advertising offense. It does not insure your own building or equipment. [10](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in 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. [8](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") HUB instead brokers the line, placing it with an insurer that its general liability page does not name. [4](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers")

### Publishing an Average Premium or Not

The Hartford reports an average annual premium across its general liability customers. [8](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") 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. [4](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") (Evidence: Not publicly disclosed; scope: 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. [8](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") 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. [4](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers")

## What to Confirm in General Liability Insurance Quotes

- Ask The Hartford for your own quoted premium rather than relying on its reported $810 average. [8](https://www.thehartford.com/general-liability-insurance "General Liability Insurance")
- Ask HUB which insurer it would place your policy with and what limits it can offer. [4](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers")
- Confirm whether The Hartford's product recall endorsement is included in your quote or priced separately. [8](https://www.thehartford.com/general-liability-insurance "General Liability Insurance")
- Ask HUB what risk-control services, if any, come with a brokered general liability policy. [4](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers")

## Offering Details

| Criteria | HUB International General Liability Insurance Brokerage | The Hartford General Liability Insurance |
| --- | --- | --- |
| 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. [4](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") (Evidence: Company-reported; scope: 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. [8](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") (Evidence: Company-reported; scope: General liability product page as read 2026-09-23..) |
| Issuing Insurer | The general liability product page does not name an issuing insurer; HUB places general liability business with insurers that vary by client and placement. [4](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") (Evidence: Not found in reviewed sources; scope: Checked the general liability product page on 2026-09-23; no carrier is disclosed there..) | Not described in the reviewed sources. |
| Who It’s For | Not described in the reviewed sources. | The Hartford markets GL coverage to businesses that meet clients face-to-face, work on or with client property, use third-party locations, or advertise, and names specific professions it targets, including architects, engineers, photographers, hair salons, gym owners, interior designers, technology companies, landscapers and real estate agents. [8](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") (Evidence: Company-reported; scope: General liability product page as read 2026-09-23..) |
| 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. [4](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") (Evidence: Company-reported; scope: 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. [8](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") (Evidence: Company-reported; scope: General liability product page as read 2026-09-23. Coverage descriptions are general; the issued policy controls..) |
| Limits and Retentions | Published per-occurrence or aggregate limits, deductibles or retentions for HUB-placed general liability policies were not found on the product page. [4](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") (Evidence: Not publicly disclosed; scope: Checked the general liability product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page..) | The Hartford reports average GL premiums of about $810 a year ($67 a month) for its customers, and says cost varies by business type, revenue, employee count, location, coverage limits/deductibles and claims history; the page does not publish standard limit or deductible amounts. [8](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") (Evidence: Company-reported; scope: Company-reported average as of 2026-09-23; not a specific quote..) |
| Risk Services | The general liability product page does not describe line-specific risk-control or safety services; it only lists related products such as business interruption, D&O, EPL and workers' compensation insurance. [4](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") (Evidence: Not found in reviewed sources; scope: Checked the general liability product page on 2026-09-23..) | Not described in the reviewed sources. |
| How to Apply | HUB says the amount of general liability coverage a business needs depends on factors such as the type of business and its location, and directs prospects to contact a HUB broker to get started. [4](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page copy; no online quote or bind flow is described..) | Not described in the reviewed sources. |
| Claims Support | Not described in the reviewed sources. | The Hartford provides a 24/7 general liability claims phone line (800-327-3636) and an online claim form, with a policy-type selector that also covers cyber, employee benefits, property and workers' compensation claims. [9](https://www.thehartford.com/general-liability-insurance/claims "General Liability Claims | File A Claim") (Evidence: Company-reported; scope: GL claims page as read 2026-09-23. Describes intake channels, not claim outcomes..) |

## Full Comparison

- [HUB International vs The Hartford](https://spot.insure/compare/hub-international-vs-the-hartford): all coverage lines, business roles, service and claims.
- [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability insurance helps with covered claims for injuries to other people, damage to their property and specified advertising offenses.
- [HUB International vs The Hartford Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-the-hartford/business-owners-policy)
- [HUB International vs The Hartford Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/commercial-auto)
- [HUB International vs The Hartford Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/commercial-property)
- [HUB International vs The Hartford Crime Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/crime)
- [HUB International vs The Hartford Cyber Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/cyber)
- [HUB International vs The Hartford D&O Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/directors-officers)
- [HUB International vs The Hartford Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/employment-practices)
- [HUB International vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/fiduciary)
- [HUB International vs The Hartford Hired and Non-Owned Auto Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/hired-non-owned-auto)
- [HUB International vs The Hartford Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/inland-marine)
- [HUB International vs The Hartford Kidnap and Ransom Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/kidnap-ransom)
- [HUB International vs The Hartford Management Liability Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/management-liability)
- [HUB International vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/professional-errors-omissions)
- [HUB International vs The Hartford Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/technology-errors-omissions)
- [HUB International vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-the-hartford/workers-compensation)
- [Alliance Risk vs HUB International General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/general-liability)
- [Alliance Risk vs The Hartford General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/general-liability)
- [Amelia Risk vs HUB International General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/general-liability)
- [Amelia Risk vs The Hartford General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/general-liability)
- [Beazley vs HUB International General Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/general-liability)
- [Beazley vs The Hartford General Liability Insurance](https://spot.insure/compare/beazley-vs-the-hartford/general-liability)

## 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. [General Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/general-liability/). HUB International; What's typically covered: bodily injuries, personal injuries, property damage, advertising injury; coverage-amount factors; related coverage links; Contact a HUB broker call to action. Accessed 2026-09-23.

### The Hartford

5. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
6. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
7. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
8. [General Liability Insurance](https://www.thehartford.com/general-liability-insurance). The Hartford; What Is General Liability Insurance?; How Much Does General Liability Insurance Cost?; Key Coverages; Examples of General Liability Coverage; Bundle It All With a BOP; Who Needs General Liability Insurance?. Accessed 2026-09-23.
9. [General Liability Claims | File A Claim](https://www.thehartford.com/general-liability-insurance/claims). The Hartford; 24/7 phone 800-327-3636; online general-liability claim form. Accessed 2026-09-23.

### General Liability Insurance Guide

10. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated?. 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.

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