HUB International vs 
Zurich U.S.: How Do They Compare for Builders Risk Insurance?
What Is HUB International?
HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. 1,2,3
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 6,7
What Is Builders Risk Insurance?
Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. 9,10,11,12
Key Differences in Builders Risk Insurance
Mitigation vendors and specialist access
HUB says its builders risk solution can pair coverage with third-party site security, automated leak detection and fire-resistant coatings, with a mobile app showing carrier underwriting requirements. Zurich describes direct access to a dedicated program team of more than 50 specialists. For a project where prevention work is central, ask HUB which vendors and measures are included; with Zurich, ask what the specialist team will handle and whether mitigation services are part of the placement. 4 8
Project intake and policy options
HUB directs owners, general contractors and developers to a broker for a project-specific assessment and describes coverage for property used in construction, installation and renovation. Zurich says agents can submit applications online or on paper and lists possible options such as flood, earth movement, soft costs and building-systems testing. Buyers should compare HUB’s project assessment against the specific Zurich options required by the job rather than assume either summary specifies the final policy wording. 4 8
What to Confirm in Builders Risk Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
HUB International
Review Score
2 rated sources
Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.[7][6]
Read HUB International reviewsZurich U.S.
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsOffering Details
HUB International vs Zurich U.S.: Builders Risk Insurance: documented features by provider
| Criteria | HUB Builder's Risk Insurance Solutions | Zurich Commercial Builders Risk |
|---|---|---|
| Role in This Line | 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. | Confirm in your quote. |
| Issuing Insurer | 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. | Confirm in your quote. |
| Who It’s For | 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. | Zurich lists water and sewer pipeline projects within Commercial Builders Risk appetite and explicitly excludes oil and gas pipelines. 8Company-reported. Zurich U.S. brand; issuing company is not specified on this program summary; Zurich Commercial Builders Risk for commercial construction projects; United States. Company-reported target appetite; each application remains subject to underwriting. Do not imply every risk or class is accepted. Zurich’s live Commercial Builders Risk page gives conflicting project-value descriptions: the overview and FAQ describe projects up to $75 million, while the Appetite section says commercial projects of any size and value. The page does not resolve the scope conflict; confirm eligibility with Zurich. These statements describe project values, not policy limits. 8Company-reported. Zurich U.S. brand; issuing company is not specified on this program summary; Zurich Commercial Builders Risk; United States. The official page contains an unresolved conflict about project-value eligibility. Obtain current Zurich clarification before relying on a boundary. The statements concern project values and do not establish a policy limit; issued terms and underwriting govern. Zurich lists the Commercial Builders Risk program as nationwide. 8Company-reported. Zurich U.S. brand; underlying issuing legal entity is not identified on this page; Zurich Commercial Builders Risk program; United States, company-reported nationwide program availability. Company-reported program geography does not establish issuer authority or coverage for a specific risk; confirm jurisdiction and policy with the quote. Zurich lists registered historic structures, tunnels, dams, structures built over water, and manufacturing including testing/equipment among ineligible Commercial Builders Risk projects. 8Company-reported. Zurich U.S. brand; issuing company is not specified on this program summary; Zurich Commercial Builders Risk; United States. Company-reported appetite; not a full policy exclusion list. Actual terms govern. |
| Coverage Features | 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. | Zurich says its Commercial Builders Risk program protects commercial projects against physical loss or damage during construction, renovation or installation. 8Company-reported. Zurich U.S. brand; issuing company is not specified on this program summary; Zurich Commercial Builders Risk; United States. Company product summary, not a policy form; actual covered property, causes, exclusions, limits and conditions depend on issued terms and underwriting. Zurich lists potential Commercial Builders Risk options including earth movement, flood, Ordinance or Law, soft costs, business income/extra expense, waiver of coinsurance and building-systems testing. 8Company-reported. Zurich U.S. brand; issuing company is not specified on this program summary; Zurich Commercial Builders Risk; United States. Options may depend on project/underwriting and issued policy terms; page is not the policy form. |
| Risk Services | 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. | Zurich states the commercial Builders Risk program offers direct access to a dedicated team of more than 50 specialists. 8Company-reported. Zurich U.S. brand; issuing company is not specified on this program summary; Zurich Commercial Builders Risk; United States. Company-reported program service statement; it does not promise response times or claims outcomes. |
| How to Apply | 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. | Zurich says agents can register online for program access and submit an online or paper application to underwriting; no premium commitment is required to register. 8Company-reported. Zurich U.S. brand; distribution through agents/brokers; Zurich Commercial Builders Risk; United States. Application process description; submission is not binding coverage or evidence of acceptance. |
Full Comparison
More HUB International vs Zurich U.S. Comparisons
Other Builders Risk Insurance Comparisons
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.
- Builder's Risk Insurance Broker & Coverage Policy. HUB International; Coverage description for construction, installation and renovation projects; site security, water protection and fire resistance mitigation components; proprietary mobile app; frame and non-frame construction; Connect With a Broker. Accessed 2026-09-23.
- HUB International Launches Builder's Risk Insurance Solutions. HUB International; February 22, 2024 announcement naming project owners, general contractors and developers of frame and non-frame projects as the target market; third-party mitigation vendor coordination. Accessed 2026-09-23.
Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- Commercial Builders Risk Program | Zurich Insurance. Zurich U.S.; Builders Risk - Commercial; direct product overview and FAQ: coverage, appetite, ineligible projects, options, limits, application, geography, admission and program highlights (HTML lines 270–411). Accessed 2026-09-28.
Builders Risk Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
- Builders Risk Coverage Form. Insurance Services Office, Inc.; hosted by Touchpoint Markets; A.1–3 p.1; B.3.c p.11; C,D,E p.12. Accessed 2026-09-16.
- Builders Risk Application Tip Sheet. US Assure; General policy application tips p.1; Remodeling tips p.2. Accessed 2026-09-16.
