HUB International vs WithCoverage General Liability Insurance

HUB brokers commercial general liability coverage rather than underwriting it itself, placing the policy with an insurer on the client's behalf. ⁴Company-reported. General liability product page as read on 2026-09-23; the page does not name an issuing insurer.

WithCoverage is a broker, not an insurer; it reviews general liability coverage as part of a broader insurance-program audit across multiple industries it serves, including construction and restaurants, and can place or transition the coverage. ^8,9,10Company-reported. Construction and restaurant industry pages; terms confirm the issuing insurer, not WithCoverage, is responsible for policy obligations.

The general liability product page does not name an issuing insurer; HUB places general liability business with insurers that vary by client and placement. ⁴Not found in reviewed sources. Checked the general liability product page on 2026-09-23; no carrier is disclosed there.

The reviewed pages do not name which insurer or insurers WithCoverage places general liability coverage with for any given client. ^8,9Not found in reviewed sources. Construction and restaurant pages as read on 2026-09-23.

HUB says general liability policies it arranges typically respond to bodily injury to customers, employees, vendors or visitors on the client's premises, personal injury from an employee's negligence or actions, property damage caused by employees, and advertising injury such as slander or false advertising claims. ⁴Company-reported. Product-page description of typical coverage scenarios; the issued policy and its exclusions control what a specific claim triggers.

General liability is explicitly listed among the policies WithCoverage says it reads and benchmarks during a program audit, and is named in the page hero for both construction and restaurant clients specifically. ^8,9Company-reported. Program-audit FAQ, repeated identically across WithCoverage's industry pages; hero copy on construction and restaurant pages.

Published per-occurrence or aggregate limits, deductibles or retentions for HUB-placed general liability policies were not found on the product page. ⁴Not publicly disclosed. Checked the general liability product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page.

Not described in the reviewed sources.

The general liability product page does not describe line-specific risk-control or safety services; it only lists related products such as business interruption, D&O, EPL and workers' compensation insurance. ⁴Not found in reviewed sources. Checked the general liability product page on 2026-09-23.

A named restaurant client, Bluestone Lane, is quoted saying WithCoverage saved it more than $139,000 on business insurance while the business grew year over year, and that WithCoverage's team of hospitality experts provides proactive advice. ⁹Company-reported. Customer testimonial on the restaurant industry page; describes the overall program including general liability, not a general-liability-only figure, and is a single client's self-reported experience.

HUB says the amount of general liability coverage a business needs depends on factors such as the type of business and its location, and directs prospects to contact a HUB broker to get started. ⁴Company-reported. Product-page copy; no online quote or bind flow is described.

WithCoverage offers a no-cost program audit that includes general liability without requiring a client to leave its current broker, typically completed in about one business day after receiving policy documents. ^8,9Company-reported. Construction and restaurant page FAQs.