HUB International vs WithCoverage Builders Risk Insurance

HUB brokers builder's risk insurance and bundles it with a coordinated mitigation program rather than underwriting the policy itself. ^4,5Company-reported. Builder's risk product page and 2024 launch press release, as read 2026-09-23; neither names an issuing insurer.

WithCoverage is a broker; it does not underwrite builders risk policies. It reviews builders risk exposure as part of a broader construction insurance-program audit and can place or transition the coverage on a client's behalf. ^9,11Company-reported. Construction industry page hero and FAQ; company describes itself as reviewing and placing coverage, not bearing the risk.

Neither the product page nor the launch press release names an issuing insurer or carrier partner for this solution. ^4,5Not found in reviewed sources. Checked both pages on 2026-09-23; the press release explicitly states it does not specify carrier partners.

The reviewed pages do not name which insurer or insurers WithCoverage places builders risk coverage with; the terms say policy obligations are the responsibility of the issuing insurance company, whoever that is for a given account. ^9,11Not found in reviewed sources. Construction page and terms as read on 2026-09-23.

HUB markets this solution to project owners, general contractors and developers of both frame and non-frame construction projects. ⁵Company-reported. Launch press release target-market description.

WithCoverage's construction practice serves contractors and developers with active construction programs, including general contractors, trade contractors and developers. ^9,10Company-reported. Construction industry page and risk-advisors Vin spotlight.

HUB describes builder's risk coverage for property used in construction, installation and renovation projects, protecting against theft, fire and water damage during the build. ⁴Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim.

Not described in the reviewed sources.

HUB says it pairs the policy with third-party vendors for site security, automated leak detection and fire-resistant coatings, plus a mobile app that shows carrier underwriting requirements, run by its construction insurance specialists. ^4,5Company-reported. Product-page and press-release service description; a company-reported program, not an independently assessed outcome.

WithCoverage says it builds coverage for project risks that it says off-the-shelf builders risk forms miss, working directly with construction clients rather than offering a standard packaged form. ¹⁰Company-reported. Risk-advisors Vin spotlight; company description of its practice approach, not a specific completed engagement.

HUB directs prospects to connect with a broker or its construction insurance specialists for a project-specific assessment; no online quote flow is described. ⁴Company-reported. Product-page call to action as read 2026-09-23.

WithCoverage says a construction program audit, which it lists as covering General Liability, Product Liability, Workers' Comp, Property and umbrella alongside Builder's Risk in the page hero, is offered at no cost and without requiring a client to leave its current broker, typically completed in about one business day after receiving policy documents. ⁹Company-reported. Construction page FAQ; the itemized audit-scope answer does not repeat "Builder's Risk" by name even though the page hero does.