--- title: "What Is HUB International?" description: "How HUB International’s brokerage, San Francisco offices, technology practice, Insureon small-commercial route, compensation and claims support are documented for business buyers." canonical: "https://spot.insure/insurance-providers/hub-international" page-type: "provider-profile" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "HUB International"] --- [Human-readable page](https://spot.insure/insurance-providers/hub-international) # What Is HUB International? How HUB International’s brokerage, San Francisco offices, technology practice, Insureon small-commercial route, compensation and claims support are documented for business buyers. ## Research Scope and Use Use this profile to understand HUB International's documented role, coverage offerings, application process, and service model before requesting provider-specific terms. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Company Details - **Company:** HUB International - **Stated focus:** Business insurance, employee benefits, retirement and risk services for companies from startups to large enterprises, with a technology practice and a small-commercial digital route through Insureon - **Official website:** [hubinternational.com](https://www.hubinternational.com) ### Coverage Offered - Builders risk [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") - Business owner’s policy [18](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") - Cargo and transit [28](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") - Commercial auto [20](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") - Commercial property [19](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") - Crime [21](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") - Cyber liability [13](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") - Directors and officers [12](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") - Employee health and benefits [30](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [1](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") - Employment practices liability [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") - Equipment breakdown [29](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") - Fidelity bonds [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") - Fiduciary liability [22](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") - General liability [11](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") - Hired and non-owned auto [20](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") - Key person [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") - Kidnap and ransom [23](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") - Management liability [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") - Medical malpractice [25](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") - Product liability [27](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") - Product recall [27](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") - Professional liability / E&O [14](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [15](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") - Representations and warranties [26](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") - Surety bonds [24](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") - Technology errors and omissions [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") - Tools, equipment and inland marine [28](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") - Trucking [20](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") - Umbrella and excess liability [27](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") - Virtual care and telehealth [31](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") - Workers’ compensation [17](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") HUB International Limited describes itself as a full-service insurance broker and financial-services firm. Its website terms say HUB’s subsidiaries are licensed as insurance brokers or agents in various U.S. states and Canadian provinces. The reviewed product pages market brokerage of policies issued by insurers, not HUB as a risk-bearing carrier for those policies. [4](https://www.hubinternational.com/about-us/ "About Us") [5](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [9](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") (Evidence: Company-reported; scope: Brand and parent identity as of 16 September 2026. Does not identify which subsidiary would appear on a California producer license or policy declarations.; verified: 2026-09-16.) HUB’s San Francisco Mission Street office describes commercial, personal and employee-benefits brokers working with Bay Area technology, venture-capital, healthcare, real-estate and construction clients, including startups. [1](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") That local presence is useful context; it is not, by itself, a California coverage map. [5](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") ## Pros and Cons ### Pros - **A technology-specific catalogue is published, not only a generic liability list.** The technology page groups professional liability/technology errors and omissions (E&O), cyber, directors and officers (D&O) and other management lines, transactional/warranty insurance, and people coverages such as workers’ compensation, benefits and key-person insurance. A founder comparing brokers can ask for that mix by name instead of inferring it from a homepage. [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") - **Compensation methods are disclosed in one public document.** HUB explains insurer-paid commissions, contingent and supplemental commissions, client fees on some complex placements, wholesale commissions, and enhanced pay from “Strategic Carriers.” You can use that page to ask how *your* proposal is paid, including whether a HUB wholesaler sits in the chain. [7](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") - **There is a documented small-commercial digital path.** HUB sends businesses with 50 or fewer employees or under $5 million in revenue to Insureon for an online quote, providing an online route for accounts that fit those criteria. [8](https://www.hubinternational.com/contact-us/ "Contact Us") [34](https://www.insureon.com/about-us "About Insureon") - **Claims and certificate work are described as broker services.** ProEx local teams mention certificates of insurance; the claims practice describes advocacy, TPA coordination and coverage-dispute support. Those are service scopes to confirm in an engagement letter, not proof of how any insurer will pay a claim. [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [32](https://www.hubinternational.com/products/risk-services/claims-management/ "Insurance Claims Management") ### Cons - **The California producing entity for a HUB retail office is not named on the office pages.** Terms say subsidiaries are licensed in various states. Insureon lists Specialty Program Group LLC (dba SPG Insurance Solutions) and California license 0L09546 for its digital agency. The producer entity and its current authority for a San Francisco engagement remain independently unverified. [5](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [35](https://www.insureon.com/legal/licenses "Insurance Licenses by State") [38](https://cdicloud.insurance.ca.gov/cal "California Department of Insurance License Status Inquiry") - **Mid-market buying on hubinternational.com is an inquiry, not a priced offer.** Product pages ask you to contact a broker. You cannot compare premiums, deductibles or binding speed from those pages alone. [8](https://www.hubinternational.com/contact-us/ "Contact Us") [11](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") - **Strategic-carrier incentives can affect which markets you see first.** HUB says some insurers pay enhanced compensation and that a portion may be used to prioritize those markets. Ask which markets were approached and on what compensation terms. [7](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") - **Published claims statistics are marketing figures.** The claims page cites process metrics such as 24-hour reporting turnaround. They are company-reported and do not establish how your claim would be handled. [32](https://www.hubinternational.com/products/risk-services/claims-management/ "Insurance Claims Management") ## How It Works On hubinternational.com, commercial buyers are asked to contact a broker, connect with a specialist, or use Contact Us. Small-commercial inquiries meeting HUB’s stated size tests go to Insureon for an online quote. Product pages such as general liability, D&O, cyber and workers’ compensation use “Contact Us” or “Connect With a Broker” rather than an on-site bind flow. Privacy policy language refers to automation for insurance quoting, without documenting a public HUB retail e-commerce checkout for mid-market programs. [8](https://www.hubinternational.com/contact-us/ "Contact Us") [11](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [12](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [13](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [6](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.) HUB’s About Us timeline states that in 2022 it acquired Insureon for digital delivery of small-business commercial insurance. Insureon and TechInsurance say they are part of HUB; Insureon says it operates as a division of Specialty Program Group LLC, doing business as SPG Insurance Solutions. TechInsurance describes itself as part of Insureon rather than as a separate HUB retail office. [4](https://www.hubinternational.com/about-us/ "About Us") [34](https://www.insureon.com/about-us "About Insureon") [35](https://www.insureon.com/legal/licenses "Insurance Licenses by State") [36](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon "Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon") [37](https://www.techinsurance.com/about-us "About Us | TechInsurance") (Evidence: Company-reported; scope: Corporate-affiliation statements. Does not establish that every HUB office places business through Insureon, or that TechInsurance is a distinct California producer.; verified: 2026-09-16.) Insureon’s 2022 acquisition announcement said HUB would take the digital agency and brand while Bold Penguin took the technology platform, with Insureon operations placed in Specialty Program Group LLC. TechInsurance, which began as a technology-focused online agency, now describes itself as part of Insureon. A buyer using TechInsurance or Insureon is not automatically in the same servicing team as HUB’s Mission Street office. [36](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon "Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon") [37](https://www.techinsurance.com/about-us "About Us | TechInsurance") ## Coverage and Availability HUB publishes dedicated business-insurance product pages for, among other lines, general liability, commercial property, workers’ compensation, business owners policies, commercial auto (including hired and non-owned exposures and trucking), cyber, directors and officers, professional liability/E&O, crime, fiduciary liability, kidnap and ransom, surety bonds, medical malpractice, marine/inland marine and cargo, boiler and machinery/equipment breakdown, and mergers-and-acquisitions representations-and-warranties insurance. Its casualty page also lists product liability, umbrella and excess, and product-recall as program elements. Employee-benefits brokerage is marketed separately. Actual policy forms, limits and eligibility are not set by those marketing pages. [9](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") [11](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [19](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [17](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [18](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") [20](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [13](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [12](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [14](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [15](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [21](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [22](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [23](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [24](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [25](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") [28](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [29](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") [26](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [27](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [30](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: Official product and casualty pages accessed 16 September 2026. Catalogue entries are brokerage offerings, not proof that a California startup can obtain each line on stated terms.; verified: 2026-09-16.) For technology companies, HUB lists professional liability/technology E&O, cyber, a patent package described as property, auto, liability and umbrella, international placements, cargo/stock throughput, property/builders risk, pollution liability, management liability including D&O, employment-practices liability, fiduciary liability, transactional/warranty insurance, crime, workers’ compensation, employee benefits, key-person life and disability, retirement solutions, and kidnap and ransom. [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Technology industry page inventory. Patent package is a HUB grouping label, not a finding that intellectual-property insurance is separately underwritten. Builders risk is listed there as a technology offering.; verified: 2026-09-16.) HUB says it has 700+ offices and 21,000+ employees across North America, with corporate headquarters in Chicago. It publishes a California office directory that includes two San Francisco addresses (201 Mission Street and 44 Montgomery Street). An office location is evidence of a local brokerage presence, not of admitted-product availability, surplus-lines use, or that a given coverage can be bound for a California-domiciled company. [4](https://www.hubinternational.com/about-us/ "About Us") [3](https://www.hubinternational.com/offices/us/california/ "California Insurance Brokers") [1](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") [2](https://www.hubinternational.com/offices/us/california/san-francisco-44-montgomery-street/ "HUB International San Francisco 44 Montgomery Street") (Evidence: Company-reported; scope: Company-reported footprint and office directory. No 50-state product map was found on the reviewed HUB pages.; verified: 2026-09-16.) HUB’s terms say subsidiaries are licensed as brokers or agents in various U.S. states, without naming the California entity for the San Francisco offices. Insureon publishes California license 0L09546 for Specialty Program Group LLC, dba SPG Insurance Solutions; that is Insureon’s disclosure, not an independent California Department of Insurance confirmation. The current license status of SPG and the producer for a HUB San Francisco engagement remain independently unverified. Confirm which entity will appear on the policy and any surplus-lines filing. [5](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [1](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") [35](https://www.insureon.com/legal/licenses "Insurance Licenses by State") [38](https://cdicloud.insurance.ca.gov/cal "California Department of Insurance License Status Inquiry") (Evidence: Not found in reviewed sources; scope: Reviewed 16 September 2026. Interactive CDI search was not used to produce a screenshot or official abstract. No license number is independently verified here.; verified: 2026-09-16.) Workers’ compensation pages note that requirements and markets vary by state, including monopolistic-fund states. California workers’ compensation, surplus-lines use, and any non-admitted placement have to be confirmed on the proposal. [17](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") ## Service and Compensation HUB’s How We Get Paid page says it is compensated primarily through insurer-paid commissions included in premium, and also through contingent income, guaranteed supplemental commissions, and, on some complex programs, client-paid fees disclosed in a proposal, sometimes in addition to commission. It owns wholesale brokerages that may earn a second commission when HUB retail uses them. It may receive fees for de-identified data under insurer consulting agreements, premium-finance administration, interest on fiduciary accounts, and policy or claims administration. Strategic Carriers may pay enhanced compensation, part of which may incentivize employees to prioritize those markets. No schedule of commission percentages or standard fees is published. [7](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") (Evidence: Company-reported; scope: Firmwide compensation disclosure. Amounts for a given account are not disclosed on the public page.; verified: 2026-09-16.) HUB describes ongoing servicing through local account teams (ProEx notes local policy review and certificates of insurance), a Risk Management Information System for claims administration, certificate tracking and carrier/TPA data, and employee-benefits work that includes multi-year cost planning and renewal support. RMIS is described as available in various tiers. None of those pages publish a standard service-level agreement or fee for those tools. [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [33](https://www.hubinternational.com/products/risk-services/risk-management-information-system/ "Risk Management Information System (RMIS)") [30](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") (Evidence: Company-reported; scope: Company-described servicing capabilities. Client eligibility for RMIS or ProEx specialist teams is not defined on the public pages.; verified: 2026-09-16.) HUB markets a claims-management practice that it says includes dedicated claims professionals, advocacy, coverage-dispute support, TPA selection and audits, reserve analysis and litigation-management support. It states the team has more than 225 claims professionals in the United States and Canada. The page also publishes numerical process claims such as 24-hour turnaround on claims reporting; those figures are company-reported marketing metrics, not independently verified outcomes, and they do not describe how a particular insurer will adjust a claim. [32](https://www.hubinternational.com/products/risk-services/claims-management/ "Insurance Claims Management") (Evidence: Company-reported; scope: HUB claims-management service page. HUB is not identified as the claims-paying insurer. No assessment of claims-handling quality is made here.; verified: 2026-09-16.) HUB also markets employee-benefits consulting, including multi-year cost planning. Benefits agreements and property-and-casualty appointments can be separate. [30](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") ## What to Confirm in a Quote - **Legal producer and license.** Ask for the exact licensed entity, license number and surplus-lines status that will appear on California documents, and check them in the Department of Insurance record. The office address and Insureon’s published 0L09546 number are not substitutes for that check. [1](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") [35](https://www.insureon.com/legal/licenses "Insurance Licenses by State") - **Which channel you are in.** Confirm whether the work is HUB retail, Insureon/SPG, a HUB wholesaler, or another affiliate, and who services certificates and claims. [8](https://www.hubinternational.com/contact-us/ "Contact Us") [7](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") - **Issuing insurers and forms.** HUB does not publish a complete carrier list. Insureon’s named examples apply to Insureon. Get specimen wording, limits, retentions and exclusions for D&O, E&O/cyber, workers’ compensation and any warranty or builders-risk cover. [7](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") [34](https://www.insureon.com/about-us "About Insureon") HUB’s compensation page says it has access to the products and services of hundreds of insurers and that it focuses on a smaller set of “Strategic Carriers,” which may pay enhanced compensation. Property, casualty and marine pages refer to domestic, national, regional, specialty and global carrier relationships without publishing a complete appointment list. ProEx says it places more than $2 billion of premium with top-rated insurance carriers; that volume and rating language is company-reported and does not name the carriers. Issuing insurers therefore have to be taken from a quote, not from the public catalogue. [7](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") [19](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [27](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [28](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: No verified HUB-wide carrier panel. Strategic-carrier focus is a compensation and placement practice, not a finding that only those markets are used.; verified: 2026-09-16.) - **Compensation on your account.** Ask for commission, contingent or supplemental amounts, client fees, wholesale layers and whether Strategic Carrier incentives applied. [7](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") - **Service tools and claims path.** If RMIS, ProEx specialists or the claims practice are part of the pitch, get eligibility, cost and who reports the claim to the insurer. [33](https://www.hubinternational.com/products/risk-services/risk-management-information-system/ "Risk Management Information System (RMIS)") [32](https://www.hubinternational.com/products/risk-services/claims-management/ "Insurance Claims Management") ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Comparisons - [HUB International vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-hub-international) - [HUB International vs Amelia Risk](https://spot.insure/compare/amelia-risk-vs-hub-international) - [HUB International vs Armilla](https://spot.insure/compare/armilla-vs-hub-international) - [HUB International vs At-Bay](https://spot.insure/compare/at-bay-vs-hub-international) - [HUB International vs Beazley](https://spot.insure/compare/beazley-vs-hub-international) - [HUB International vs CFC](https://spot.insure/compare/cfc-vs-hub-international) - [HUB International vs Chubb](https://spot.insure/compare/chubb-vs-hub-international) - [HUB International vs Coalition](https://spot.insure/compare/coalition-vs-hub-international) - [HUB International vs Corgi](https://spot.insure/compare/corgi-vs-hub-international) - [HUB International vs Coterie Insurance](https://spot.insure/compare/coterie-vs-hub-international) - [HUB International vs Coverdash](https://spot.insure/compare/coverdash-vs-hub-international) - [HUB International vs Cowbell](https://spot.insure/compare/cowbell-vs-hub-international) - [HUB International vs Embroker](https://spot.insure/compare/embroker-vs-hub-international) - [HUB International vs Founder Shield](https://spot.insure/compare/foundershield-vs-hub-international) - [HUB International vs Gallagher](https://spot.insure/compare/gallagher-vs-hub-international) - [HUB International vs Harper](https://spot.insure/compare/harper-vs-hub-international) - [HUB International vs Heffernan Insurance Brokers](https://spot.insure/compare/heffernan-vs-hub-international) - [HUB International vs Hiscox](https://spot.insure/compare/hiscox-vs-hub-international) - [HUB International vs Kinro](https://spot.insure/compare/hub-international-vs-kinro) - [HUB International vs Layr](https://spot.insure/compare/hub-international-vs-layr) - [HUB International vs Lockton](https://spot.insure/compare/hub-international-vs-lockton) - [HUB International vs Marsh](https://spot.insure/compare/hub-international-vs-marsh) - [HUB International vs Mylo](https://spot.insure/compare/hub-international-vs-mylo) - [HUB International vs Newfront](https://spot.insure/compare/hub-international-vs-newfront) - [HUB International vs ERGO NEXT Insurance](https://spot.insure/compare/hub-international-vs-next-insurance) - [HUB International vs Pie Insurance](https://spot.insure/compare/hub-international-vs-pie-insurance) - [HUB International vs Relm Insurance](https://spot.insure/compare/hub-international-vs-relm) - [HUB International vs Resilience](https://spot.insure/compare/hub-international-vs-resilience) - [HUB International vs RiskCube](https://spot.insure/compare/hub-international-vs-riskcube) - [HUB International vs Risklytics](https://spot.insure/compare/hub-international-vs-risklytics) - [HUB International vs StartupInsurance.ai](https://spot.insure/compare/hub-international-vs-startupinsurance) - [HUB International vs TechInsurance](https://spot.insure/compare/hub-international-vs-techinsurance) - [HUB International vs The Hartford](https://spot.insure/compare/hub-international-vs-the-hartford) - [HUB International vs Travelers](https://spot.insure/compare/hub-international-vs-travelers) - [HUB International vs USI Insurance Services](https://spot.insure/compare/hub-international-vs-usi) - [HUB International vs Vouch](https://spot.insure/compare/hub-international-vs-vouch) - [HUB International vs WithCoverage](https://spot.insure/compare/hub-international-vs-withcoverage) ## Sources ### [HUB International Official Website](https://www.hubinternational.com) 1. [Insurance Broker San Francisco](https://www.hubinternational.com/offices/us/california/san-francisco/). HUB International; JSON-LD InsuranceAgency record naming HUB International Limited as parent; About Us office copy for 201 Mission Street; products and industries blocks. Accessed 2026-09-16. 2. [HUB International San Francisco 44 Montgomery Street](https://www.hubinternational.com/offices/us/california/san-francisco-44-montgomery-street/). HUB International; Office profile describing Merriwether & Williams Insurance Services history, bonding and contractor-development programs. Accessed 2026-09-16. 3. [California Insurance Brokers](https://www.hubinternational.com/offices/us/california/). HUB International; Introductory copy and listed California office directory including San Francisco locations. Accessed 2026-09-16. 4. [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. 5. [Terms and Conditions](https://www.hubinternational.com/terms-and-conditions/). HUB International; Licensing section stating subsidiaries are licensed as brokers or agents in various U.S. states and Canadian provinces. Accessed 2026-09-16. 6. [HUB International Privacy Policy](https://www.hubinternational.com/about-us/privacy-policy/). HUB International; Effective 21 August 2025; applies to HUB International Limited and subsidiaries; insurance brokerage services; automation for quoting. Accessed 2026-09-16. 7. [How We Get Paid](https://www.hubinternational.com/about-us/how-we-get-paid/). HUB International; Commission, contingency, supplemental commission, client-paid fees, wholesale, carrier-services, strategic-carrier and other-compensation sections. Accessed 2026-09-16. 8. [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. 9. [Business Insurance Broker Coverage Policy](https://www.hubinternational.com/products/business-insurance/). HUB International; Essential coverage and beyond-the-basics product catalogue. Accessed 2026-09-16. 10. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Startup and software/hardware/digital-media audience; listed business and people coverages; claimed technology-client count. Accessed 2026-09-16. 11. [General Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/general-liability/). HUB International; Product page describing typical general-liability subjects and invitation to contact a broker. Accessed 2026-09-16. 12. [Directors and Officers (D&O) Liability Insurance Broker](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/). HUB International; Product page for private, nonprofit and public-company D&O brokerage. Accessed 2026-09-16. 13. [Cyber Insurance](https://www.hubinternational.com/products/business-insurance/cyber-insurance/). HUB International; Product page describing first-party and post-breach cyber expenses as typically arranged. Accessed 2026-09-16. 14. [Professional Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/). HUB International; Product page equating professional liability with errors and omissions and describing typical claim types. Accessed 2026-09-16. 15. [Errors and Omissions (E&O) Insurance Coverage](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/). HUB International; Industries listed for E&O including technology, and statement that policies are customized. Accessed 2026-09-16. 16. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; Professional & Executive Risk practice: EPL, fiduciary, crime/fidelity, K&R; certificates of insurance; claims and legal support; carrier-premium claim. Accessed 2026-09-16. 17. [Workers' Compensation Insurance Brokers](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/). HUB International; Product page on workers’ compensation brokerage, state-fund variation and typical benefits. Accessed 2026-09-16. 18. [Business Owners Policy (BOP) Company Coverage](https://www.hubinternational.com/products/business-insurance/business-owners-policy/). HUB International; BOP described as combined property and liability for small and mid-size businesses. Accessed 2026-09-16. 19. [Commercial (Business) Property Insurance Brokers](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/). HUB International; Property Practice description, domestic and global carrier access, traditional and alternative structures. Accessed 2026-09-16. 20. [Commercial Auto Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/commercial-auto/). HUB International; Commercial auto and trucking insurance; hired and non-owned exposures. Accessed 2026-09-16. 21. [Crime Insurance Brokers](https://www.hubinternational.com/products/business-insurance/crime-insurance/). HUB International; Crime/fraud coverage product page for private, public and not-for-profit organizations. Accessed 2026-09-16. 22. [Fiduciary Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/). HUB International; Fiduciary liability product page distinguishing it from D&O. Accessed 2026-09-16. 23. [Kidnap and Ransom Insurance Brokers](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/). HUB International; Kidnap and ransom product page for traveling executives and employees. Accessed 2026-09-16. 24. [Surety Bonds and Surety Bond Insurance for Businesses](https://www.hubinternational.com/products/business-insurance/surety-bonds/). HUB International; Contract surety types including bid, performance and payment bonds. Accessed 2026-09-16. 25. [Medical Malpractice Insurance Brokers](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/). HUB International; Medical malpractice brokerage, including telemedicine-related risks. Accessed 2026-09-16. 26. [Mergers & Acquisitions (M&A) Insurance Broker](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/). HUB International; Representations and warranties, litigation buyout and tax indemnification insurance. Accessed 2026-09-16. 27. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). HUB International; General and product liability, umbrella and excess, workers’ compensation, product recall ancillary, global carrier relationships. Accessed 2026-09-16. 28. [Marine Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/marine-insurance/). HUB International; Ocean and inland marine, cargo and related marine liability coverages; domestic and international carriers. Accessed 2026-09-16. 29. [Boiler and Machinery Equipment Insurance Coverage](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/). HUB International; Equipment breakdown / boiler and machinery product page. Accessed 2026-09-16. 30. [Employee Benefits Brokers and Consulting Services](https://www.hubinternational.com/products/employee-benefits/). HUB International; Employee-benefits brokerage and multi-year planning services. Accessed 2026-09-16. 31. [Virtual Care Insurance Brokerage Coverage](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/). HUB International; Virtual care medical professional liability, technology E&O, products liability, cyber and management liability list. Accessed 2026-09-16. 32. [Insurance Claims Management](https://www.hubinternational.com/products/risk-services/claims-management/). HUB International; Claims advocacy, TPA coordination, coverage-dispute support and published process metrics. Accessed 2026-09-16. 33. [Risk Management Information System (RMIS)](https://www.hubinternational.com/products/risk-services/risk-management-information-system/). HUB International; RMIS claims administration, certificate tracking and carrier/TPA data aggregation. Accessed 2026-09-16. 34. [About Insureon](https://www.insureon.com/about-us). Insureon; Insureon as part of HUB; licensed in every state; named example insurers; 2022 acquisition history; TechInsurance origin. Accessed 2026-09-16. 35. [Insurance Licenses by State](https://www.insureon.com/legal/licenses). Insureon; California 0L09546; footer that Insureon operates as a division of Specialty Program Group LLC dba SPG Insurance Solutions. Accessed 2026-09-16. 36. [Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon). Insureon; 1 March 2022 announcement that HUB would acquire the Insureon digital agency and brand; operations to sit in Specialty Program Group LLC. Accessed 2026-09-16. 37. [About Us | TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; TechInsurance as part of Insureon; 2022 HUB acquisition of Insureon’s digital agency. Accessed 2026-09-16. 38. [California Department of Insurance License Status Inquiry](https://cdicloud.insurance.ca.gov/cal). California Department of Insurance; Public license-search portal landing page; interactive search was not completed to a verifiable license record in this research. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-providers/hub-international.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)