--- title: "HUB International Business Owner’s Policy" description: "What HUB International Business Owner’s Policy covers, how to apply, and its risk services, cited to HUB International’s own published sources." canonical: "https://spot.insure/insurance-providers/hub-international/business-owners-policy" page-type: "offering-page" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-providers/hub-international/business-owners-policy) # HUB International Business Owner’s Policy HUB International Business Owners Policy Brokerage HUB brokers business owners policies rather than underwriting them, placing a combined property-and-liability package with an insurer on the client's behalf. [1](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: BOP product page as read 2026-09-23; the page does not name an issuing insurer.) ## Issuing Insurer - **Not found in reviewed sources.** The BOP product page does not name an issuing insurer; HUB places BOP business with insurers that vary by client and placement. [1](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Scope: Checked the BOP product page on 2026-09-23; no carrier is disclosed there.) ## Coverage Features - HUB describes its BOP as combining building and business-property insurance, which repairs or replaces damaged buildings, equipment, stock, furniture or fixtures, with business liability insurance for injury or property-damage claims caused by the business or its employees. [1](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim.) ## Limits and Retentions - **Not publicly disclosed.** Published coverage limits, deductibles or premium ranges for HUB-placed BOPs were not found on the product page. [1](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Scope: Checked the BOP product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page.) ## Risk Services - HUB says an advisor works with the client to fine-tune the BOP with options that fit the client's line of business, and positions the policy as a way to eliminate coverage gaps between separate property and liability policies. [1](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: Product-page marketing copy; no specific risk-control service beyond broker consultation is described.) ## How to Apply - HUB directs prospects to contact a HUB broker to get started on a BOP; no online quote or self-serve bind flow is described on the page. [1](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23.) ## HUB International Business Owner’s Policy Compared - [HUB International vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-hub-international/business-owners-policy) - [HUB International vs Amelia Risk](https://spot.insure/compare/amelia-risk-vs-hub-international/business-owners-policy) - [HUB International vs Chubb](https://spot.insure/compare/chubb-vs-hub-international/business-owners-policy) - [HUB International vs Corgi](https://spot.insure/compare/corgi-vs-hub-international/business-owners-policy) - [HUB International vs Coterie Insurance](https://spot.insure/compare/coterie-vs-hub-international/business-owners-policy) - [HUB International vs Coverdash](https://spot.insure/compare/coverdash-vs-hub-international/business-owners-policy) ## Other HUB International Coverage Lines - [HUB International Builders Risk Insurance](https://spot.insure/insurance-providers/hub-international/builders-risk) - [HUB International Cargo and Transit Insurance](https://spot.insure/insurance-providers/hub-international/cargo-transit) - [HUB International Commercial Auto Insurance](https://spot.insure/insurance-providers/hub-international/commercial-auto) - [HUB International Commercial Property Insurance](https://spot.insure/insurance-providers/hub-international/commercial-property) - [HUB International Crime Insurance](https://spot.insure/insurance-providers/hub-international/crime) - [HUB International Cyber Insurance](https://spot.insure/insurance-providers/hub-international/cyber) - [HUB International D&O Insurance](https://spot.insure/insurance-providers/hub-international/directors-officers) - [HUB International Employment Practices Liability Insurance](https://spot.insure/insurance-providers/hub-international/employment-practices) - [HUB International Equipment Breakdown Insurance](https://spot.insure/insurance-providers/hub-international/equipment-breakdown) - [HUB International Fidelity Bonds](https://spot.insure/insurance-providers/hub-international/fidelity-bonds) - [HUB International Fiduciary Liability Insurance](https://spot.insure/insurance-providers/hub-international/fiduciary) - [HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/insurance-providers/hub-international/hired-non-owned-auto) - [HUB International Inland Marine Insurance](https://spot.insure/insurance-providers/hub-international/inland-marine) - [HUB International Key Person Insurance](https://spot.insure/insurance-providers/hub-international/key-person) - [HUB International Kidnap and Ransom Insurance](https://spot.insure/insurance-providers/hub-international/kidnap-ransom) - [HUB International Management Liability Insurance](https://spot.insure/insurance-providers/hub-international/management-liability) - [HUB International Medical Malpractice Insurance](https://spot.insure/insurance-providers/hub-international/medical-malpractice) - [HUB International Product Liability Insurance](https://spot.insure/insurance-providers/hub-international/product-liability) - [HUB International Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/hub-international/professional-errors-omissions) - [HUB International Representations and Warranties Insurance](https://spot.insure/insurance-providers/hub-international/representations-warranties) - [HUB International Surety Bonds](https://spot.insure/insurance-providers/hub-international/surety-bonds) - [HUB International Tech E&O Insurance](https://spot.insure/insurance-providers/hub-international/technology-errors-omissions) - [HUB International Telehealth Insurance](https://spot.insure/insurance-providers/hub-international/virtual-care-telehealth) - [HUB International Trucking Insurance](https://spot.insure/insurance-providers/hub-international/trucking) - [HUB International Umbrella and Excess Liability Insurance](https://spot.insure/insurance-providers/hub-international/umbrella-excess) - [HUB International Workers’ Compensation Insurance](https://spot.insure/insurance-providers/hub-international/workers-compensation) ## Related - [HUB International Profile](https://spot.insure/insurance-providers/hub-international) - [HUB International Reliability](https://spot.insure/insurance-providers/hub-international/reliability) - [HUB International Alternatives](https://spot.insure/insurance-providers/hub-international/alternatives) - [Coverage Guide: Business owner’s policy](https://spot.insure/coverage/business-owners-policy) ## Sources 1. [Business Owners Policy (BOP) Company Coverage](https://www.hubinternational.com/products/business-insurance/business-owners-policy/). HUB International; BOP definition: combination of business property and liability protection for small and mid-size businesses; building and business property insurance section; business liability insurance section; related products; Connect With a Broker. Accessed 2026-09-23. Updated 2026-09-23. 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/business-owners-policy.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)