---
title: "HUB International vs Zurich U.S.: Inland Marine Insurance"
description: "HUB describes inland-marine cargo and specialized property; Zurich lists construction-specific inland-marine products for mobile assets."
canonical: "https://spot.insure/compare/hub-international-vs-zurich/inland-marine"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "hub-international-vs-zurich"
provider-a: "hub-international"
provider-b: "zurich"
coverage-line: "inland-marine"
---

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[Human-readable page](https://spot.insure/compare/hub-international-vs-zurich/inland-marine)

## Agent Guide

**What this page is:** Focused comparison of HUB International and Zurich U.S. for Inland Marine 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 Inland Marine Insurance questions about HUB International versus Zurich U.S.. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- HUB International vs Zurich U.S. for Inland Marine Insurance: how do they differ?
- Which is better for Inland Marine Insurance, HUB International or Zurich U.S.?
- What does HUB International or Zurich U.S. publish about Inland Marine Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Inland Marine Insurance from HUB International or Zurich U.S.?

**Key facts:**
- Line: Inland Marine Insurance. Providers: HUB International and Zurich U.S..
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [HUB International vs Zurich U.S.](https://spot.insure/compare/hub-international-vs-zurich) — parent: all coverage lines for this pair
- [Inland Marine Insurance guide](https://spot.insure/coverage/inland-marine) — coverage explainer for this line
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile (evidence)
- [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) — provider profile (evidence)
- [HUB International vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-zurich/builders-risk) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-zurich/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-zurich/commercial-property) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Zurich U.S. Crime Insurance](https://spot.insure/compare/hub-international-vs-zurich/crime) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/hub-international-vs-zurich/cyber) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Zurich U.S. D&O Insurance](https://spot.insure/compare/hub-international-vs-zurich/directors-officers) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-zurich/employment-practices) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/hub-international-vs-zurich/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/hub-international-vs-zurich/general-liability) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Zurich U.S. Management Liability Insurance](https://spot.insure/compare/hub-international-vs-zurich/management-liability) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-zurich/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Zurich U.S. Surety Bonds](https://spot.insure/compare/hub-international-vs-zurich/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Zurich U.S. Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-zurich/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Zurich U.S. Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-zurich/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-zurich/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs HUB International Inland Marine Insurance](https://spot.insure/compare/aig-vs-hub-international/inland-marine) — sibling comparison (other line, or other pair for this line)
- [AIG vs Zurich U.S. Inland Marine Insurance](https://spot.insure/compare/aig-vs-zurich/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs HUB International Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Zurich U.S. Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/inland-marine) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs HUB International Inland Marine Insurance](https://spot.insure/compare/baldwin-vs-hub-international/inland-marine) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Zurich U.S. Inland Marine Insurance](https://spot.insure/compare/baldwin-vs-zurich/inland-marine) — sibling comparison (other line, or other pair for this line)

# HUB International vs Zurich U.S.: How Do They Compare for Inland Marine Insurance?

HUB describes inland-marine cargo and specialized property; Zurich lists construction-specific inland-marine products for mobile assets.

## How to Use the HUB International vs Zurich U.S. Inland Marine Insurance Comparison

Use this comparison to evaluate HUB International and Zurich U.S. for Inland Marine Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## HUB International vs Zurich U.S. Inland Marine Insurance Summary

HUB describes inland marine for transported or off-site property, including exhibits, medical equipment and computer systems. Zurich focuses its cited inland-marine offerings on construction equipment and materials. [5](https://www.hubinternational.com/insurance-glossary/i/inland-marine-insurance/ "Inland Marine Insurance Definition") [9](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich") [8](https://www.zurichna.com/industries/construction/property-and-inland-marine-coverages "Construction Property & Inland Marine Coverages | Zurich 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](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## 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](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [7](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.")

[Zurich U.S. profile](https://spot.insure/insurance-providers/zurich)

## What Is Inland Marine Insurance?

If your business moves equipment between sites or ships goods, inland marine can cover those property exposures; installation and other forms address different property categories. Match the quote to what you own, rent or hold for others. [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://www.dms.myflorida.com/content/download/132333/823484/SoF_Policy_CE_17-18_UM00056635MA17A.pdf "Inland Marine Policy: Contractors’ Equipment")

## What Are the Key Differences Between HUB International and Zurich U.S. Inland Marine Insurance?

### Property in transit or at work sites

HUB defines inland marine to include equipment or goods transported over land, used at a job site or stored in a warehouse, and lists trade-show exhibits, samples, medical devices and computer systems as examples. Zurich describes construction inland marine for mobile equipment, tools and materials moving to or within job sites. A business moving specialized property should ask Zurich’s broker whether the construction programs fit assets outside that sector. [5](https://www.hubinternational.com/insurance-glossary/i/inland-marine-insurance/ "Inland Marine Insurance Definition") [8](https://www.zurichna.com/industries/construction/property-and-inland-marine-coverages "Construction Property & Inland Marine Coverages | Zurich Insurance") [9](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich")

### Perils and policy schedule

HUB says inland-marine policies can address fire, hail, theft, water damage, wind, accidental damage and mysterious disappearance, subject to the form. Zurich discusses mobile assets and materials in transit or temporary storage, while the selected program and wording determine covered causes of loss. Compare each schedule, deductible and peril language against the property you move. [5](https://www.hubinternational.com/insurance-glossary/i/inland-marine-insurance/ "Inland Marine Insurance Definition") [8](https://www.zurichna.com/industries/construction/property-and-inland-marine-coverages "Construction Property & Inland Marine Coverages | Zurich Insurance")

### Brokerage route

HUB’s marine practice directs prospective buyers to a broker and says it works with domestic and international carriers. Zurich also directs construction buyers through agents or brokers and names contractor-specific products. Ask HUB which insurer it proposes and ask Zurich which named construction option fits the locations and assets on your schedule. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [7](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [8](https://www.zurichna.com/industries/construction/property-and-inland-marine-coverages "Construction Property & Inland Marine Coverages | Zurich Insurance")

## What Should You Confirm in HUB International and Zurich U.S. Inland Marine Insurance Quotes?

- Ask HUB for the insurer, covered-property schedule, limit and deductible for each equipment or cargo category. [5](https://www.hubinternational.com/insurance-glossary/i/inland-marine-insurance/ "Inland Marine Insurance Definition")
- Ask Zurich which contractor form applies and whether storage, transit and the listed perils appear in the issued wording. [8](https://www.zurichna.com/industries/construction/property-and-inland-marine-coverages "Construction Property & Inland Marine Coverages | Zurich Insurance")

## HUB International vs Zurich U.S. Inland Marine Insurance Compared

| Criteria | HUB International Inland Marine Insurance Brokerage | Zurich Construction Property and Inland Marine |
| --- | --- | --- |
| Role in This Line | HUB brokers inland marine insurance through its marine insurance practice, drawing on what it describes as relationships with domestic and international insurance carriers rather than underwriting the coverage itself. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Marine product page; neither reviewed page names a specific issuing insurer for inland marine..) | Zurich markets inland marine coverage through its construction property and inland marine offering; its page identifies construction-focused coverage options rather than a general-purpose product for every business. [8](https://www.zurichna.com/industries/construction/property-and-inland-marine-coverages "Construction Property & Inland Marine Coverages | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. construction segment marketing. The issuing company for an individual quote must be confirmed in its declarations..) |
| Issuing Insurer | Confirm in your quote. | The reviewed construction inland-marine pages do not name the insurer that would issue a particular buyer's policy. [8](https://www.zurichna.com/industries/construction/property-and-inland-marine-coverages "Construction Property & Inland Marine Coverages | Zurich Insurance") (Evidence: Not publicly disclosed; scope: Confirm the issuing legal entity and applicable state form in the quote and issued declarations..) |
| Who It’s For | Confirm in your quote. | Zurich names property and inland marine options for construction customers, including Z-PRIME, a Contractor’s Inland Marine Package, and monoline Contractor’s Equipment. [8](https://www.zurichna.com/industries/construction/property-and-inland-marine-coverages "Construction Property & Inland Marine Coverages | Zurich Insurance") (Evidence: Company-reported; scope: Product examples within Zurich's construction practice; they do not establish eligibility for a particular contractor, project, or state..) |
| Coverage Features | HUB's glossary defines inland marine insurance as domestic coverage that protects business property, such as equipment, machinery or products, while it is transported over land by truck or train, used at a job site, or stored in a warehouse, including specialized items a standard business owner's policy would not cover. [5](https://www.hubinternational.com/insurance-glossary/i/inland-marine-insurance/ "Inland Marine Insurance Definition") (Evidence: Company-reported; scope: Glossary page definition; the issued policy's schedule of covered property and exclusions controls an actual claim..)<br><br>HUB lists trade show exhibits, cargo items, sales samples, communication equipment, medical equipment, computer systems and photography equipment as examples of property commonly insured under an inland marine policy. [5](https://www.hubinternational.com/insurance-glossary/i/inland-marine-insurance/ "Inland Marine Insurance Definition") (Evidence: Company-reported; scope: Glossary page property examples; a specific policy's covered-property list is set on the quote and declarations..)<br><br>HUB says inland marine policies can cover perils including fire, hail, theft, water damage and wind, plus accidental damage and mysterious disappearance of covered property. [5](https://www.hubinternational.com/insurance-glossary/i/inland-marine-insurance/ "Inland Marine Insurance Definition") (Evidence: Company-reported; scope: Glossary page peril list; coverage for a specific peril depends on the policy form and endorsements..)<br><br>HUB's marine practice groups inland marine alongside related marine coverages it arranges, including marine cargo insurance, stock throughput insurance, protection and indemnity, charterers' liability and hull and machinery liability. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Marine product page tailored-solutions list; not every listed coverage applies to a given inland marine client..) | Zurich describes construction inland marine as protecting mobile equipment, tools, and materials as they move to, from, and within job sites; the page also discusses transit and temporary storage. [9](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich") [8](https://www.zurichna.com/industries/construction/property-and-inland-marine-coverages "Construction Property & Inland Marine Coverages | Zurich Insurance") (Evidence: Company-reported; scope: Company-described construction exposures only. Covered property, causes of loss, and any inland-marine extensions depend on the selected program and issued wording..) |
| Limits and Retentions | HUB says most inland marine policies carry a deductible and a stated coverage limit, and warns that claiming a loss beyond the policy's coverage limit can lead to penalties, but the reviewed pages do not publish specific deductible or limit amounts. [5](https://www.hubinternational.com/insurance-glossary/i/inland-marine-insurance/ "Inland Marine Insurance Definition") (Evidence: Company-reported; scope: Glossary page policy-structure description; actual deductibles and limits are set on the quote and declarations..) | The reviewed product overview does not set a buyer-specific inland-marine limit, retention, or deductible. [8](https://www.zurichna.com/industries/construction/property-and-inland-marine-coverages "Construction Property & Inland Marine Coverages | Zurich Insurance") (Evidence: Not publicly disclosed; scope: The selected construction program, submitted values, quote, and issued wording determine the actual amounts and conditions..) |
| Risk Services | Confirm in your quote. | The construction page describes Risk Engineering and Claims services for customers managing construction risks and loss events. [8](https://www.zurichna.com/industries/construction/property-and-inland-marine-coverages "Construction Property & Inland Marine Coverages | Zurich Insurance") (Evidence: Company-reported; scope: Company-described services for the construction practice; the page does not state that a specific service is included with every inland-marine placement..) |
| How to Apply | HUB's marine page directs prospective clients to "Connect With a Broker" or contact a HUB marine insurance specialist rather than an online quote or bind flow. [4](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Marine product page call-to-action text..) | Zurich directs commercial buyers to agents or brokers to discuss construction coverage. [7](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") (Evidence: Company-reported; scope: The official broker locator describes a distribution route, not whether a specific project qualifies or a policy will be issued..) |

## Related Pages for HUB International vs Zurich U.S. Inland Marine

- [HUB International vs Zurich U.S.](https://spot.insure/compare/hub-international-vs-zurich): all coverage lines, business roles, service and claims.
- [What Is Inland Marine Insurance?](https://spot.insure/coverage/inland-marine): Inland marine covers specialized property exposures such as equipment moved between sites, installed property and goods in transit; the quote must match what you own or hold.
- [HUB International vs Zurich U.S. Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-zurich/builders-risk)
- [HUB International vs Zurich U.S. Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-zurich/commercial-auto)
- [HUB International vs Zurich U.S. Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-zurich/commercial-property)
- [HUB International vs Zurich U.S. Crime Insurance](https://spot.insure/compare/hub-international-vs-zurich/crime)
- [HUB International vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/hub-international-vs-zurich/cyber)
- [HUB International vs Zurich U.S. D&O Insurance](https://spot.insure/compare/hub-international-vs-zurich/directors-officers)
- [HUB International vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-zurich/employment-practices)
- [HUB International vs Zurich U.S. Fidelity Bonds](https://spot.insure/compare/hub-international-vs-zurich/fidelity-bonds)
- [HUB International vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-zurich/fiduciary)
- [HUB International vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/hub-international-vs-zurich/general-liability)
- [HUB International vs Zurich U.S. Management Liability Insurance](https://spot.insure/compare/hub-international-vs-zurich/management-liability)
- [HUB International vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-zurich/professional-errors-omissions)
- [HUB International vs Zurich U.S. Surety Bonds](https://spot.insure/compare/hub-international-vs-zurich/surety-bonds)
- [HUB International vs Zurich U.S. Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-zurich/technology-errors-omissions)
- [HUB International vs Zurich U.S. Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-zurich/umbrella-excess)
- [HUB International vs Zurich U.S. Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-zurich/workers-compensation)
- [AIG vs HUB International Inland Marine Insurance](https://spot.insure/compare/aig-vs-hub-international/inland-marine)
- [AIG vs Zurich U.S. Inland Marine Insurance](https://spot.insure/compare/aig-vs-zurich/inland-marine)
- [Alliance Risk vs HUB International Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/inland-marine)
- [Alliance Risk vs Zurich U.S. Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/inland-marine)
- [The Baldwin Group vs HUB International Inland Marine Insurance](https://spot.insure/compare/baldwin-vs-hub-international/inland-marine)
- [The Baldwin Group vs Zurich U.S. Inland Marine Insurance](https://spot.insure/compare/baldwin-vs-zurich/inland-marine)

## Sources for HUB International vs Zurich U.S. Inland Marine Insurance

### Sources About HUB International

1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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.
4. [Marine Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/marine-insurance/). HUB International; Navigate the Changing Landscape: strong relationships with domestic and international insurance carriers; Tailored Solutions list including Marine Cargo Insurance, Stock Throughput Insurance, Protection & Indemnity, Charterers' Liability, Hull & Machinery Liability; Connect With a Broker call to action. Accessed 2026-09-23.
5. [Inland Marine Insurance Definition](https://www.hubinternational.com/insurance-glossary/i/inland-marine-insurance/). HUB International; Definition; covered property types (trade show exhibits, cargo items, sales samples, communication equipment, medical equipment, computer systems, photography equipment); covered perils; deductible and coverage-limit explanation. Accessed 2026-09-23.

### Sources About Zurich U.S.

6. [About Us | Zurich U.S. | Commercial Insurance](https://www.zurichna.com/about). Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
7. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers). Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
8. [Construction Property & Inland Marine Coverages | Zurich Insurance](https://www.zurichna.com/industries/construction/property-and-inland-marine-coverages). Zurich U.S.; Construction Property and Inland Marine overview and FAQ: contractor mobile assets, materials in transit/storage, Z-PRIME, Contractor’s Inland Marine Package and Monoline Contractor’s Equipment; Risk Engineering and Claims Services. Construction segment only.. Accessed 2026-09-30.
9. [Commercial Property Insurance: Building & Business | Zurich](https://www.zurichna.com/insurance/commercial-property). Zurich U.S.; Commercial property page and forms; the retained provider source also locates its marine discussion. Used as broad catalogue context; the construction inland-marine page supplies the line-specific product evidence.. Accessed 2026-09-28.

### Sources for the Inland Marine Insurance Guide

10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery. Accessed 2026-09-16.
11. [Inland Marine Policy: Contractors’ Equipment](https://www.dms.myflorida.com/content/download/132333/823484/SoF_Policy_CE_17-18_UM00056635MA17A.pdf). Markel American Insurance Company / American Association of Insurance Services; hosted by Florida Department of Management Services; PDF p.8 declarations; attached Contractors’ Equipment printed pp.1–13 (PDF pp.18–30); replacement-cost endorsement PDF p.34. Accessed 2026-09-16.

Updated 2026-10-01. 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.

## HUB International Review Scores for 2026

Review Score: 5.6 / 10 from 2 rated sources, equally weighted.

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-.

- BBB: BBB business grade A- (BBB letter grade). BBB profile for HUB International, Chicago headquarters and its corporate-owned locations (United States). HUB is a global broker; BBB coverage is US/Canada and split by office profile. Period: current page, accessed 2026-09-29; 3 complaints closed in last 3 years. Checked 2026-09-29. [HUB International | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202)
- BBB customer reviews: BBB customer reviews 1 (out of 5); 7 reviews. Customer reviews left on the same BBB headquarters profile (HQ and corporate-owned US locations). Small sample. Checked 2026-09-29. [HUB International | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202/customer-reviews)
- BBB Canada West: BBB business grade A- (BBB letter grade). BBB profile for HUB International Canada West ULC, Burnaby BC. Covers one Canadian regional entity only, not the whole group. Period: current page; 13 complaints closed in last 3 years; 3 customer reviews. Checked 2026-09-29. [HUB International Canada West ULC | BBB Reviews](https://www.bbb.org/ca/bc/burnaby/profile/insurance-services-office/hub-international-insurance-brokers-hub-coastal-0037-120326/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/hub-international/reviews).

## Zurich U.S. Review Scores for 2026

Review Score: not enough ratings.

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.

- NerdWallet: editorial rating 4.5 (5). U.S. commercial rental-fleet insurance publisher review; editorial evaluation, not a consumer average or all-line Zurich result. Period: Page updated July 10, 2026. Checked 2026-09-29. [Best Insurance Companies for Car Rental Businesses](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance)
- Trustpilot: TrustScore 1.2 (5); 748 reviews. Global Zurich Insurance Group profile; mixed countries and products, not U.S. commercial-policyholder satisfaction. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Insurance Reviews](https://www.trustpilot.com/review/www.zurich.com)
- ConsumerAffairs: customer rating 1.0 (5); 72 reviews. U.S. Zurich North America/Property & Casualty profile; mixed products and customer populations, not line-specific commercial results. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Property & Casualty Insurance Reviews from Real Customers](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html)
- BBB: customer review rating 1.14 (5); 116 reviews. Customer-submitted reviews on the Zurich American Insurance Company profile; not a line-specific or representative policyholder survey. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich American Insurance Company Customer Reviews](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/zurich/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/hub-international-vs-zurich/inland-marine.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)