HUB International vs 
Travelers: How Do They Compare for Equipment Breakdown Insurance?
Where HUB International brokers boiler and machinery cover through a broker contact, Travelers underwrites its own EnergyMax 21 package, sold through independent agents.
HUB fits buyers comparing boiler-and-machinery tiers and Extra Expense wording; Travelers fits businesses seeking EnergyMax 21 or BoilerRE for boilers, pressure vessels and computer systems, with more than 600 risk-control consultants. 1,2
What Are the Key Differences Between HUB International and Travelers Equipment Breakdown Insurance?
HUB provides three coverage tiers and distinguishes Extra Expense from lost-income protection; Travelers offers named forms and risk-control resources. 1 2
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. Choose HUB if you need to compare basic, broad or consequential-damage boiler coverage and how Extra Expense combines with business income; choose Travelers if you need EnergyMax 21 or BoilerRE for boilers, pressure vessels or business systems and want Travelers Risk Control. 1 2
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. 1 2
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. 2 1
What Should You Confirm in HUB International and Travelers Equipment Breakdown Insurance Quotes?
- Ask HUB which tier is quoted, whether Extra Expense includes business income, and which insurer issues it. 1
- Ask Travelers whether the quote is EnergyMax 21 or BoilerRE and which agent binds it. 2
- Confirm jurisdictional inspection and claims contacts on Travelers versus the HUB placement. 2 1
- Compare limits; neither page publishes them. 1 2
HUB International vs Travelers Equipment Breakdown Insurance Compared
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) |
|---|---|---|
| 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. 1Company-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. 2Company-reported. Product page "Who is equipment breakdown insurance right for?" and EnergyMax 21 sections. |
| How to Apply | HUB directs prospects to "contact a HUB broker to get started" rather than an online quote or bind flow. 1Company-reported. Product-page call to action. | Equipment breakdown coverage is bought through a Travelers independent agent. 2Company-reported. Product page "Find an insurance agent" call to action. |
| 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. 1Company-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. 1Company-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." 2Company-reported. Product page EnergyMax 21 section; exact terms and exclusions are set by the issued policy. |
| 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. 1Company-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. 2Company-reported. Product page EnergyMax 21 and BoilerRE sections. |
