HUB International vs 
Travelers Commercial Property Insurance
Travelers underwrites tiered property products by business size and discloses a $1M+ excess attachment point; HUB brokers placements without published limits.
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. 1,2,3
What Is Travelers Insurance?
Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. 5,6,7
What Is Commercial Property Insurance?
Commercial property insurance addresses physical business assets, including buildings, equipment, furniture and inventory, subject to the policy’s covered property, causes and terms. 9
Key Differences in 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. 8 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. 4
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. 8Company-reported. Product page "Excess property market" section.
HUB's page publishes no comparable limit or attachment figure for any of its program structures. 4
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. 8 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. 4
What to Confirm in 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. 8
- Ask HUB for a comparable limit or attachment point for your program structure, since its page publishes none. 4
- Ask Travelers whether Under Deductible Subrogation and wildfire mitigation discounts apply to your property and location. 8
- Get the issuing insurer from HUB's placement, since its page does not name one. 4
Offering Details
HUB International vs Travelers Commercial Property Insurance: documented features by provider
| Criteria | HUB International Commercial Property Insurance Brokerage | Travelers Commercial Property Insurance |
|---|---|---|
| Role in This Line | HUB brokers commercial property insurance and structures placement programs for clients rather than underwriting the coverage itself. 4Company-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. 8Company-reported. Product page tier descriptions. |
| Issuing Insurer | The commercial property page does not name an issuing insurer; HUB places property business with carriers that vary by client and program structure. 4Not found in reviewed sources. Checked the commercial property product page on 2026-09-23; no carrier is disclosed there. | Not described in the reviewed sources. |
| 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. 4Company-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. 8Company-reported. Product page small, midsized and large/specialty business sections. |
| 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. 4Company-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. 8Company-reported. Product page "What does commercial property insurance cover?" FAQ; actual inclusions and exclusions are set by the issued policy. |
| Limits and Retentions | Not described in the reviewed sources. | 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. 8Company-reported. Product page "Excess property market" section. |
| 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. 4Company-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. 8Company-reported. Product page Risk Control, Under Deductible Subrogation and wildfire mitigation 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. 4Company-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. 8Company-reported. Product page purchasing and lease-review FAQs. |
Full Comparison
More HUB International vs Travelers Comparisons
Other Commercial Property Insurance Comparisons
Sources
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. 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.
- Commercial (Business) Property Insurance Brokers. HUB International; Coverage components: building structure, business personal property, business interruption, contingent business interruption, equipment breakdown, natural catastrophe perils; program structures: traditional, layered, parametric, captive, reinsurance; insurance-to-value explanation; industries served list; Connect With a Broker. Accessed 2026-09-23.
Travelers
- Technology Insurance. Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
- Travelers Producer Compensation Disclosure (United States). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
- Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
- Commercial Property Insurance. Travelers; What is commercial property insurance?; Who is commercial property insurance coverage right for?; Small business property insurance; Midsized business property insurance (Travelers Deluxe, OMNI); Large and specialty business property insurance (Customized Property Coverage, global property coverage, specialty market programs, Excess property market); FAQ. Accessed 2026-09-23.
Commercial Property Insurance Guide
- Business Interruption Insurance/Businessowner’s Policies (BOP). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16.
