HUB International vs 
WithCoverage Product Liability Insurance
HUB designs casualty structures including product recall; WithCoverage audits consumer-brand product liability without requiring a broker change first.
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 WithCoverage?
WithCoverage combines commercial insurance brokerage, a risk-management team and software for growing businesses. Buyers can request a review of existing policies, compare insurance options and manage their program with its team. 5,6,7
What Is Product Liability Insurance?
Product liability insurance addresses liability for injury or damage associated with a defective product that a business manufactures, wholesales, distributes or sells. 11,12,13,14
Key Differences in Product Liability Insurance
Building a Casualty Program Versus Reviewing One
HUB arranges general and product liability with regional, national and specialty carriers and runs risk-financing assessments to set retentions, structures and limits. WithCoverage reviews product-liability exposure as part of a consumer-brand insurance-program audit and can place or transition coverage without requiring you to leave your current broker. 4 8
Related Lines Versus CPG Stewardship
HUB also arranges product recall, crisis-response support, SML, active-assailant protection and Violent Acts Liability. WithCoverage names product liability in the consumer page hero and audit scope; its risk-advisors page describes a team member who stewards CPG and manufacturing accounts and whose counsel extends to Product Recall Risk Mitigation reviews. 4 8 9
Timing and Insurer Disclosure
WithCoverage says the audit is typically completed in about one business day after receiving policy documents. HUB’s reviewed page does not publish a comparable turnaround. Neither page names the insurer that would issue a given product-liability policy. 8 4
What to Confirm in Product Liability Insurance Quotes
- Send WithCoverage in-force policies if you want an audit rather than a blank-sheet placement. 8
- Ask HUB how recall and crisis cover sit with the liability tower. 4
- Ask WithCoverage whether a Product Recall Risk Mitigation review is included. 9
- Request HUB’s proposed retention from the risk-financing assessment. 4
Offering Details
HUB International vs WithCoverage Product Liability Insurance: documented features by provider
| Criteria | HUB International General & Product Liability Insurance Brokerage | WithCoverage Product Liability Program Review (Consumer) |
|---|---|---|
| Role in This Line | HUB brokers general and product liability insurance as part of its casualty practice, arranging coverage with regional, national and specialty carriers rather than underwriting the policy itself. 4Company-reported. Casualty product page, read 2026-09-23; the page does not name a specific issuing insurer. | WithCoverage is a broker, not an insurer; it reviews product liability exposure as part of a consumer-brand insurance-program audit and can place or transition the coverage on a client's behalf. 8,10Company-reported. Consumer industry page hero and FAQ; terms confirm the issuing insurer, not WithCoverage, is responsible for policy obligations. |
| Issuing Insurer | HUB says it maintains relationships with regional, national and specialty carriers for casualty placements, but the reviewed page does not name the insurer that would issue a given client's product liability policy. 4Not found in reviewed sources. Checked the casualty product page on 2026-09-23; the carrier for a specific placement depends on the quote. | The reviewed pages do not name which insurer or insurers WithCoverage places product liability coverage with. 8Not found in reviewed sources. Consumer industry page as read on 2026-09-23. |
| Who It’s For | HUB highlights vertical expertise in transportation, construction, healthcare, hospitality, manufacturing and real estate as industries where it says commercial liability exposures, including product liability, are most complex. 4Company-reported. Casualty product page industry-expertise description; not an underwriting appetite statement. | WithCoverage's risk-advisors page describes a team member who stewards CPG and manufacturing accounts, negotiating directly with carriers, indicating product liability work is concentrated in consumer-packaged-goods and manufacturing clients. 9Company-reported. Risk-advisors Oscar spotlight. |
| Coverage Features | HUB says its General & Product Liability offering addresses injuries or property damage to the public arising from a client's premises or operations, its products, contractual liabilities, natural catastrophes, or violent events. 4Company-reported. Casualty product page scope-of-protection description; the issued policy's insuring agreements and exclusions control an actual claim. HUB pairs its product liability brokerage with related casualty coverages it also arranges, including product recall coverage, crisis-response support, sexual misconduct liability (SML), active-assailant protection and Violent Acts Liability insurance. 4Company-reported. Casualty product page complementary-coverages list; availability of each coverage depends on the client and placement. | Product liability is explicitly named in both the consumer page's hero and its itemized program-audit scope, one of the few lines confirmed consistently in both places on that page. 8Company-reported. Consumer industry page hero and FAQ. |
| Limits and Retentions | Published product liability policy limits or retentions were not found on the reviewed page. 4Not publicly disclosed. Checked the casualty product page on 2026-09-23; limits are set through the risk-financing assessment and the quote. | Not described in the reviewed sources. |
| Risk Services | HUB says its casualty team runs risk-financing assessments to set retention levels, program structures and coverage limits. 4Company-reported. Casualty product page strategic-approach description. | Not described in the reviewed sources. |
| How to Apply | Not described in the reviewed sources. | WithCoverage offers a no-cost program audit that includes product liability without requiring a client to leave its current broker, typically completed in about one business day after receiving policy documents. 8Company-reported. Consumer page FAQ. |
Full Comparison
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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.
- Comprehensive Casualty Insurance Solutions. HUB International; General & Product Liability section: scope of protection for premises/operations, products, contractual liability, catastrophes and violent events; complementary casualty coverages (product recall, crisis response, SML, active assailant, Violent Acts Liability); risk-financing and strategic casualty approach; vertical industry expertise; carrier relationships. Accessed 2026-09-23.
WithCoverage
- Commercial Insurance & Risk Management. WithCoverage; Industry navigation; Your Risk Management Team; AI Analyzes; One Digital Platform tabs and policy-management showcase. Accessed 2026-09-15.
- About WithCoverage. WithCoverage; Opening description of risk management for businesses without an in-house team. Accessed 2026-09-15.
- WithCoverage Raises $42M Series B. WithCoverage; Founders’ letter: WithCoverage fixes this in 3 key ways; complimentary risk assessment. Accessed 2026-09-15.
- Consumer Insurance & Risk Management. WithCoverage; Hero: "One gap in product liability, recall, or cargo coverage can wipe out a season of growth"; Have Questions? program-audit FAQ listing Product Liability among reviewed policies. Accessed 2026-09-23.
- Commercial Risk Advisor Careers. WithCoverage; Oscar spotlight: steward of CPG and manufacturing accounts, negotiating directly with carriers; strategic counsel extends to Product Recall Risk Mitigation reviews. Accessed 2026-09-23.
- Terms & Conditions. WithCoverage; Section 8 Insurance Products: coverage subject to underwriting, carrier terms and policy documents. Accessed 2026-09-23.
Product Liability Insurance Guide
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Facts + Statistics: Product liability. Insurance Information Institute; Product liability insurance opening definition (manufacturer, distributor, or seller; defective condition causing personal injury or damage); Product recall insurance sentence. Accessed 2026-09-16.
- Product liability, recall and contamination insurance. Insurance Information Institute; Product liability opening (design/manufacture/distribute/sell; injury, property damage or death; added to GL or stand-alone); What could go wrong? (roles; directions/warnings); Covering the costs of a product recall; Contamination insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability Coverage: premises, products liability and completed operations; major exclusions including damage to your work, impaired property, sistership liability and failure to perform; Limits of Insurance products and completed operations aggregate; glossary Sistership Liability. Accessed 2026-09-16.
