HUB International vs Travelers: How Do They Compare for Commercial Property Insurance?

HUB International brokers property programs with layered or parametric structures across sectors; Travelers underwrites standalone or packaged property through agents across business-size tiers.

Travelers underwrites separate property products for small, midsized and large or specialty businesses and says its excess property market typically attaches at $1,000,000 or greater, while HUB brokers property placements across program structures without publishing an attachment point. ^2,¹

What Are the Key Differences Between HUB International and Travelers Commercial Property Insurance?

Underwriting Tiers vs. Program Structures

Travelers underwrites commercial property itself, with named products by business size: small-business coverage bundled into a BOP, Travelers Deluxe and OMNI for midsized businesses, and Customized Property Coverage for large and specialty risks. ² HUB is the broker in this comparison, structuring placements with outside carriers as traditional, layered, parametric, captive or reinsurance arrangements rather than underwriting named products by size tier. ¹

A Published Attachment Point

Travelers discloses a specific figure for its largest accounts:

Travelers says its excess property market typically attaches at $1,000,000 or greater; standard-tier limits and deductibles are not published and depend on the quote. ²Company-reported. Product page "Excess property market" section.

HUB's page publishes no comparable limit or attachment figure for any of its program structures. ¹

Property-Specific Services

Travelers names services tied to claims and prevention: Risk Control property specialists, an Under Deductible Subrogation service to pursue reimbursement for losses below the deductible, and wildfire mitigation discounts for qualifying properties. ² HUB instead describes insurance-to-value guidance to help clients avoid coinsurance penalties or reduced claim payouts, without a comparable subrogation or mitigation-discount service. ¹

What Should You Confirm in HUB International and Travelers Commercial Property Insurance Quotes?

Ask Travelers which size tier — small-business BOP, Deluxe/OMNI, or Customized Property Coverage — applies to your account and what limits and deductibles it carries. ²
Ask HUB for a comparable limit or attachment point for your program structure, since its page publishes none. ¹
Ask Travelers whether Under Deductible Subrogation and wildfire mitigation discounts apply to your property and location. ²
Get the issuing insurer from HUB's placement, since its page does not name one. ¹

HUB International vs Travelers Commercial Property Insurance Compared

HUB International vs Travelers: Commercial Property Insurance: documented features by provider

Criteria	HUB International Commercial Property Insurance Brokerage	Travelers 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.	Travelers offers small business property coverage bundled into its Business Owner's Policy for classes such as contractors, healthcare, retail, restaurants and technology services, Travelers Deluxe and OMNI for midsized businesses, and Customized Property Coverage for large, specialized or high-value risks. ²Company-reported. Product page small, midsized and large/specialty business sections.
How to Apply	HUB directs prospects to connect with a broker or specialist advisor through its contact portal; no online quote flow is described on the page. ¹Company-reported. Product-page call to action as read 2026-09-23.	Commercial property coverage is bought through a Travelers independent agent, who can help choose between replacement-cost and actual-cash-value coverage and confirm what a lease requires. ²Company-reported. Product page purchasing and lease-review FAQs.
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.	Travelers says the policy covers a company's buildings, office equipment, furniture, fixtures, inventory and lost business income from events such as fire, explosion, storms, theft and vandalism, with additional coverage often available for floods, earthquakes and equipment breakdown. ²Company-reported. Product page "What does commercial property insurance cover?" FAQ; actual inclusions and exclusions are set by the issued policy.
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.	Travelers underwrites commercial property insurance as a standalone policy or packaged with other coverage, with separate product tiers for small, midsized, and large or specialty businesses. ²Company-reported. Product page tier descriptions.
Risk Services	HUB says it can structure commercial property programs as traditional single-carrier placements, layered programs, parametric insurance that pays on a predefined trigger such as a wind-speed threshold, or captive and reinsurance solutions, and explains insurance-to-value to help clients avoid coinsurance penalties or reduced claim payouts. ¹Company-reported. Product-page program-structure and advisory description; a company-reported service capability.	Travelers says property customers get access to Risk Control property specialists, an Under Deductible Subrogation service to pursue reimbursement for losses below the deductible, and wildfire mitigation discounts for qualifying properties. ²Company-reported. Product page Risk Control, Under Deductible Subrogation and wildfire mitigation sections.