HUB International vs 
Travelers Equipment Breakdown Insurance
HUB brokers boiler and machinery in basic, broad and consequential tiers; Travelers underwrites EnergyMax 21 and BoilerRE through independent agents.
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 Equipment Breakdown Insurance?
Equipment breakdown insurance addresses damage from covered mechanical or electrical failures affecting business equipment. 9,10
Key Differences in Equipment Breakdown Insurance
Brokered Tiers Versus Travelers Paper
HUB places boiler and machinery with an unnamed insurer, monoline or inside property, and names basic, broad and consequential-damage options. Travelers underwrites EnergyMax 21 and BoilerRE on its own paper. A HUB quote could land on various markets; a Travelers quote is Travelers, bound through an independent agent. 4 8
Extra Expense Versus a Named Package
HUB’s Extra Expense covers costs to keep operating during a breakdown but excludes loss of income unless combined with business income coverage. Travelers describes EnergyMax 21 as covering boilers, pressure vessels and sophisticated business and computer systems as a package for nearly every equipment loss scenario. 4 8
Inspections
Travelers says buyers can use more than 600 Risk Control consultants, a dedicated claim team and IoT risk resources. HUB’s boiler and machinery page does not describe engineering inspections or other line-specific risk-control services. HUB’s audience includes continuous-run manufacturers and small businesses with HVAC and ovens; Travelers also names Fortune 500, municipalities, schools and high-tech. 8 4
What to Confirm in Equipment Breakdown Insurance Quotes
- Ask HUB which tier is quoted, whether Extra Expense includes business income, and which insurer issues it. 4
- Ask Travelers whether the quote is EnergyMax 21 or BoilerRE and which agent binds it. 8
- Confirm jurisdictional inspection and claims contacts on Travelers versus the HUB placement. 8 4
- Compare limits; neither page publishes them. 4 8
Offering Details
HUB International vs Travelers Equipment Breakdown Insurance: documented features by provider
| Criteria | HUB International Boiler and Machinery (Equipment Breakdown) Insurance Brokerage | Travelers Equipment Breakdown Insurance Coverage (EnergyMax 21) |
|---|---|---|
| Role in This Line | HUB brokers boiler and machinery (equipment breakdown) insurance, available as a standalone monoline policy or embedded within a client's property policy, rather than underwriting the coverage itself. 4Company-reported. Boiler and machinery product page, read 2026-09-23. The page does not name an issuing insurer. | Travelers underwrites equipment breakdown coverage primarily through its EnergyMax 21 package, and offers BoilerRE for businesses at any level of familiarity with the coverage. 8Company-reported. Product page EnergyMax 21 and BoilerRE sections. |
| Issuing Insurer | No insurer is named for equipment breakdown coverage on the product page; the carrier depends on the placement. 4Not found in reviewed sources. Checked the boiler and machinery product page on 2026-09-23. | Not described in the reviewed sources. |
| Who It’s For | HUB targets this coverage at manufacturing companies running equipment that must operate continuously, businesses that process goods using electrical, mechanical, heating or refrigeration equipment at scale, and small businesses protecting equipment such as air conditioners, computers, refrigerators and ovens. 4Company-reported. Product-page target-market description; not a published underwriting appetite. | Travelers markets equipment breakdown coverage to Main Street businesses, real estate, small-to-mid-sized and heavy/specialized manufacturing, high-tech businesses, municipalities, schools and government entities, saying EnergyMax 21 is designed for both Fortune 500 companies and small businesses. 8Company-reported. Product page "Who is equipment breakdown insurance right for?" and EnergyMax 21 sections. |
| Coverage Features | HUB says the coverage it arranges pays the costs to repair or replace equipment damaged by a sudden, unforeseen breakdown, losses from the resulting downtime, and other property damage caused by the malfunctioning equipment, and lists manufacturing equipment (boilers, generators, engines, HVAC systems, transformers) and office equipment (elevators, computers, copiers, security systems) as typical covered items. 4Company-reported. Product-page coverage description; the issued policy's definitions and exclusions control an actual claim. HUB describes three coverage options for equipment breakdown: basic, broad, and consequential-damage coverage for losses resulting from equipment failure, plus an Extra Expense component that covers costs to keep operating during a breakdown but excludes loss of income unless combined with business income coverage. 4Company-reported. Product-page coverage-tier description. | Travelers describes EnergyMax 21 as covering breakdowns of boilers and pressure vessels as well as sophisticated business and computer systems, calling it a package of coverages for "nearly every equipment loss scenario." 8Company-reported. Product page EnergyMax 21 section; exact terms and exclusions are set by the issued policy. |
| Limits and Retentions | Published policy limits or retentions for equipment breakdown coverage were not found on the product page. 4Not publicly disclosed. Checked the boiler and machinery product page on 2026-09-23; limits are set on the quote and declarations. | The reviewed page does not publish limits, deductibles or premiums for equipment breakdown coverage; amounts would appear on a quote or declarations. 8Not found in reviewed sources. Product page as read on 2026-09-23. |
| Risk Services | The boiler and machinery product page does not describe engineering inspections or other line-specific risk-control services. 4Not found in reviewed sources. Checked the boiler and machinery product page on 2026-09-23. | Travelers says equipment breakdown customers can draw on more than 600 Risk Control consultants, a dedicated Claim team, and Internet of Things (IoT) risk resources. 8Company-reported. Product page Risk Control, Claim and Internet of Things sections. |
| How to Apply | HUB directs prospects to "contact a HUB broker to get started" rather than an online quote or bind flow. 4Company-reported. Product-page call to action. | Equipment breakdown coverage is bought through a Travelers independent agent. 8Company-reported. Product page "Find an insurance agent" call to action. |
Full Comparison
More HUB International vs Travelers Comparisons
Other Equipment Breakdown 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.
- Boiler and Machinery Equipment Insurance Coverage. HUB International; What is Boiler and Machinery Insurance?; What does Boiler and Machinery Insurance cover?; covered manufacturing and office equipment examples; basic, broad and consequential-damage coverage options; Extra Expense coverage description; Contact a HUB broker call to action. 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.
- Equipment Breakdown Insurance Coverage. Travelers; EnergyMax 21; Who is equipment breakdown insurance right for?; BoilerRE; Public entities; National property. Accessed 2026-09-23.
Equipment Breakdown Insurance Guide
- Understanding Commercial Package Policies. Insurance Information Institute; Available CPP additions: Equipment breakdown. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Boiler and Machinery; Commercial Property: Covered Causes of Loss; Commercial Property: Time Element; Inland Marine; Coverage Forms and/or Specialty Coverages. Accessed 2026-09-16.
