---
title: "HUB International vs Travelers: Equipment Breakdown Insurance"
description: "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."
canonical: "https://spot.insure/compare/hub-international-vs-travelers/equipment-breakdown"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "hub-international-vs-travelers"
provider-a: "hub-international"
provider-b: "travelers"
coverage-line: "equipment-breakdown"
---

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[Human-readable page](https://spot.insure/compare/hub-international-vs-travelers/equipment-breakdown)

## Agent Guide

**What this page is:** Focused comparison of HUB International and Travelers for Equipment Breakdown Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Equipment Breakdown Insurance questions about HUB International versus Travelers. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- HUB International vs Travelers for Equipment Breakdown Insurance: how do they differ?
- Which is better for Equipment Breakdown Insurance, HUB International or Travelers?
- What does HUB International or Travelers publish about Equipment Breakdown Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Equipment Breakdown Insurance. Providers: HUB International and Travelers.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [HUB International vs Travelers](https://spot.insure/compare/hub-international-vs-travelers) — all coverage lines for this pair
- [Equipment Breakdown Insurance guide](https://spot.insure/coverage/equipment-breakdown) — how this coverage works
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile
- [Travelers profile](https://spot.insure/insurance-providers/travelers) — provider profile

# 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 offers basic, broad and consequential-damage boiler-and-machinery tiers; Travelers offers EnergyMax 21 and BoilerRE through independent agents.

## HUB International vs Travelers Equipment Breakdown Insurance Summary

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](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") [2](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage")

## 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](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") [2](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage")

### 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](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") [2](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage")

### 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](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") [2](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage")

### 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](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") [1](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage")

## 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](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage")
- Ask Travelers whether the quote is EnergyMax 21 or BoilerRE and which agent binds it. [2](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage")
- Confirm jurisdictional inspection and claims contacts on Travelers versus the HUB placement. [2](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") [1](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage")
- Compare limits; neither page publishes them. [1](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") [2](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage")

## HUB International vs Travelers Equipment Breakdown Insurance Compared

| 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. [1](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") (Evidence: Company-reported; scope: 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. [2](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") (Evidence: Company-reported; scope: 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. [1](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") (Evidence: Company-reported; scope: Product-page call to action..) | Equipment breakdown coverage is bought through a Travelers independent agent. [2](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") (Evidence: Company-reported; scope: 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. [1](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") (Evidence: Company-reported; scope: Product-page coverage description; the issued policy's definitions and exclusions control an actual claim..)<br><br>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. [1](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") (Evidence: Company-reported; scope: 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." [2](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") (Evidence: Company-reported; scope: 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. [1](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") (Evidence: Company-reported; scope: 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. [2](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage "Equipment Breakdown Insurance Coverage") (Evidence: Company-reported; scope: Product page EnergyMax 21 and BoilerRE sections..) |

## About HUB International and Travelers and Equipment Breakdown

- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [Travelers company profile](https://spot.insure/insurance-providers/travelers) · [Travelers customer reviews](https://spot.insure/insurance-providers/travelers/reviews)
- [What Is Equipment Breakdown Insurance?](https://spot.insure/coverage/equipment-breakdown)

## Related Pages for HUB International vs Travelers Equipment Breakdown

- [HUB International vs Travelers](https://spot.insure/compare/hub-international-vs-travelers): all coverage lines, business roles, service and claims.
- [What Is Equipment Breakdown Insurance?](https://spot.insure/coverage/equipment-breakdown): Equipment breakdown can help repair covered machinery after mechanical or electrical failure; check whether downtime, spoilage and utility interruption are also covered.
- [HUB International Equipment Breakdown Insurance](https://spot.insure/insurance-providers/hub-international/equipment-breakdown)
- [Travelers Equipment Breakdown Insurance](https://spot.insure/insurance-providers/travelers/equipment-breakdown)

## Sources for HUB International vs Travelers

### Sources About HUB International

1. [Boiler and Machinery Equipment Insurance Coverage](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/). 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.

### Sources About Travelers

2. [Equipment Breakdown Insurance Coverage](https://www.travelers.com/business-insurance/boiler-machinery/equipment-breakdown-coverage). Travelers; EnergyMax 21; Who is equipment breakdown insurance right for?; BoilerRE; Public entities; National property. Accessed 2026-09-23.

Updated 2026-09-25. 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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