---
title: "How Reliable Is HUB International?"
description: "HUB International reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score."
canonical: "https://spot.insure/insurance-providers/hub-international/reliability"
page-type: "reliability-article"
updated-at: "2026-09-22"
verified-at: "2026-09-22"
entities: ["Spot"]
---

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[Human-readable page](https://spot.insure/insurance-providers/hub-international/reliability)

# How Reliable Is HUB International?

HUB International reliability: licensing, legal entities, financial evidence and the scope behind its Spot Score.

## Assessment

- **Role:** Broker

- **Scope:** HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.

This partial Broker Spot Score covers disclosure clarity within the stated scope. It uses 15% of the rubric’s factor weighting, normalized to a ten-point scale. The excluded factors remain unknown, and evidence for one program does not describe another.

- **Broker Spot Score:** **5.5/10**
- **Role:** Broker
- **Scope:** HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.
- **Assessed:** 2026-09-22
- **Review due:** 2026-10-22
- **Factor basis:** Partial score; **15%** of this role’s weighting included. Included: Disclosure Clarity. Excluded: Identity and Authority: Current authority and applicable appointments or delegations have not been independently established across the assessed scope.; Carrier-Network Strength: The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.; Regulatory Conduct: A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable..

- **Methodology:** [How we calculate the Spot Score](/spot-rating)

- **Provider profile:** [HUB International](/insurance-providers/hub-international)

## Entities and roles

| Entity | Role | Sources |
| --- | --- | --- |
| HUB International Limited | Brokerage and financial-services group parent/brand; not treated as a risk-bearing insurer. | [About Us](https://www.hubinternational.com/about-us/), [Terms and Conditions](https://www.hubinternational.com/about-us/terms-and-conditions/) |
| Unnamed HUB International U.S. subsidiaries | Terms describe licensed brokers or agents in various jurisdictions without naming the entity for a particular placement. | [Terms and Conditions](https://www.hubinternational.com/about-us/terms-and-conditions/) |

## Research summary

HUB describes brokerage, technology, claims advocacy and compensation arrangements, but the legal producer, current authority and policy issuer for a specific engagement remain unestablished; an unsupported SPG entity mapping is excluded. [About Us](https://www.hubinternational.com/about-us/), [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/), [Claims Management](https://www.hubinternational.com/products/business-insurance/claims-management/)

### Legal Identity

HUB International Limited presents the HUB brand as a broker and financial-services group. Its terms refer to subsidiaries licensed as brokers or agents in various jurisdictions, but do not identify the entity appointed for a particular client or office. [About Us](https://www.hubinternational.com/about-us/), [Terms and Conditions](https://www.hubinternational.com/about-us/terms-and-conditions/)

### Licensing

HUB's terms provide a general licensing statement, not a complete current state license, line, appointment or responsible-producer inventory. Current authority for a specific HUB engagement is not independently established from the reviewed group pages. [Terms and Conditions](https://www.hubinternational.com/about-us/terms-and-conditions/), [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch)

### Financial Strength

As a broker, HUB continuity evidence concerns its operating group and placement controls, not insurer policyholder surplus. The reviewed public pages do not disclose audited entity financials, and references to strategic or highly rated carriers are not HUB or quote-specific financial evidence. [About Us](https://www.hubinternational.com/about-us/), [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/), [How We Get Paid](https://www.hubinternational.com/about-us/how-we-get-paid/)

### Risk Bearing

HUB's technology and commercial pages describe arranging property-casualty, technology, cyber, management and employee-benefit solutions through carrier markets. The quote and policy must identify the risk-bearing company; HUB is not treated as the policy issuer. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/), [How We Get Paid](https://www.hubinternational.com/about-us/how-we-get-paid/)

Texas names a HUB entity and its carriers, though not the group and not a buyer’s producer. The register lists HUB INTERNATIONAL MIDWEST LIMITED, NPN 1499533, with General Lines Agency licence 15380, Surplus Lines Agency licence 1436490 and Managing General Agency licence 2068221 all Active, and 433 active appointments among 524 companies. That is one U.S. subsidiary in one state; the reviewed material still does not identify which HUB entity would be the producer for a given engagement, so the panel cannot be attached to a specific placement. [Texas Firm Consumer Inquiry - HUB INTERNATIONAL MIDWEST LIMITED](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Terms and Conditions](https://www.hubinternational.com/about-us/terms-and-conditions/)

HUB describes the rest of its carrier network in its compensation disclosure and names none of it. That page says HUB has access to the products and services of hundreds of insurers, that it concentrates placements on “a manageable number of carrier relationships” it calls the “Strategic Carriers” — described only as many of the most respected national and regional insurance companies — and that those carriers may pay enhanced compensation, part of which may be used to incentivize employees to prioritize their products. The economic interest is disclosed; the identities, the share of business and the terms are not, and one subsidiary’s Texas register does not fill that gap. [How We Get Paid](https://www.hubinternational.com/about-us/how-we-get-paid/), [Texas Firm Consumer Inquiry - HUB INTERNATIONAL MIDWEST LIMITED](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y)

### Claims Service

HUB markets local account teams, claims advocacy, TPA selection, coverage-dispute support and litigation-management support. These are broker service descriptions; the insurer remains responsible for coverage decisions and payment. [Claims Management](https://www.hubinternational.com/products/business-insurance/claims-management/)

### Regulatory Record

Current authority for a specific HUB entity is not independently established, and no completed five-year conduct result is available for HUB or relevant subsidiaries. This is not a clean-record or universal-authority finding. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch), [Terms and Conditions](https://www.hubinternational.com/about-us/terms-and-conditions/)

## Licenses and authority

No license records are included in this assessment.

## Jurisdiction searches

| Jurisdiction | Result | Notes | Sources |
| --- | --- | --- | --- |
| CA | Inaccessible | Current authority for a specific HUB entity is not independently established from the California regulator route; this is not a no-license or clean-record finding. | [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch) |

## Rating dimensions

### Broker Spot Score

Included weighting: **15%** of the original dimensions. Contributions are normalized over included weighting. Excluded factors:
- **Identity and Authority:** Current authority and applicable appointments or delegations have not been independently established across the assessed scope. [About Us](https://www.hubinternational.com/about-us/), [Terms and Conditions](https://www.hubinternational.com/about-us/terms-and-conditions/), [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch)
- **Carrier-Network Strength:** The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/), [How We Get Paid](https://www.hubinternational.com/about-us/how-we-get-paid/)
- **Regulatory Conduct:** A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch), [Terms and Conditions](https://www.hubinternational.com/about-us/terms-and-conditions/)
| Dimension | Score (0–4) | Weight | Contribution (/10) | Sources |
| --- | ---: | ---: | ---: | --- |
| Disclosure Clarity | 2.18 | 15% | 5.45 | [About Us](https://www.hubinternational.com/about-us/), [Terms and Conditions](https://www.hubinternational.com/about-us/terms-and-conditions/), [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch), [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/), [How We Get Paid](https://www.hubinternational.com/about-us/how-we-get-paid/), [Claims Management](https://www.hubinternational.com/products/business-insurance/claims-management/) |

## Evidence gaps

- The legal producer entity and appointment for a specific HUB office or engagement remain unresolved.
- Complete current state licenses, lines and surplus-lines authority were not independently matched.
- No exact insurer or carrier financial-strength evidence was collected for a named placement.
- No completed five-year conduct result is available.
- Compensation is disclosed by category, but account-specific rates and fees are not public.
- The Texas appointments belong to HUB International Midwest Limited; the reviewed material does not establish which HUB entity is the producer for a given engagement, so that panel cannot be attached to a buyer’s placement.
- HUB’s “Strategic Carriers” are described but never named, so neither their identity, the share of HUB placements they carry, nor the enhanced-compensation terms attached to them can be assessed.
- Appointment evidence was retrieved in Texas only; no Pennsylvania record was returned for a HUB entity and no other state register was checked.

## Related terms

- [What Is an Insurance Broker?](/insurance-glossary/insurance-broker)
- [What Is an Insurance Producer License?](/insurance-glossary/insurance-producer-license)
- [What Is a National Producer Number?](/insurance-glossary/national-producer-number)
- [What Is an AM Best Rating?](/insurance-glossary/am-best-rating)

## Sources

- [About Us](https://www.hubinternational.com/about-us/) — HUB International; Group footprint, offices, acquisition history and broker/consulting description; accessed 2026-09-21.
- [Terms and Conditions](https://www.hubinternational.com/about-us/terms-and-conditions/) — HUB International; Subsidiary licensing and intermediary terms; accessed 2026-09-21.
- [How We Get Paid](https://www.hubinternational.com/about-us/how-we-get-paid/) — HUB International; Commission, contingent income, fees, strategic-carrier and affiliate/wholesale compensation; accessed 2026-09-22.
- [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/) — HUB International; Technology-company coverage and service scope; accessed 2026-09-22.
- [Claims Management](https://www.hubinternational.com/products/business-insurance/claims-management/) — HUB International; Claims advocacy, TPA, disputes and claims-service description; accessed 2026-09-21.
- [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch) — California Department of Insurance; California producer-license route for a HUB entity; current authority not independently established; accessed 2026-09-21.
- [Texas Firm Consumer Inquiry - HUB INTERNATIONAL MIDWEST LIMITED](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) — Sircon/Texas insurance licensing lookup; Firm Consumer Inquiry for the State of Texas, retrieved 22 September 2026: licensee HUB INTERNATIONAL MIDWEST LIMITED, NPN 1499533. Licences: Surplus Lines Agency licence 1436490, Status Active, original issue 03-16-2007, effective 03-16-2007, expiration 02-17-2027; Managing General Agency licence 2068221, Status Active, original issue 02-17-2016, effective 02-17-2016, expiration 02-17-2027; General Lines Agency licence 15380, Status Active, original issue 12-12-2002, effective 12-12-2002, expiration 02-17-2027. Qualifications: MGA - Property and Casualty Active (effective 02-17-2016); Property and Casualty Active (effective 12-12-2002); Life, Acc., Health & HMO Active (effective 12-12-2002). Affiliations/Appointments lists 524 companies, 433 of them with an Active appointment row. Active appointments include 4 EVER LIFE INSURANCE COMPANY, 5 Star Life Insurance Company, Ace American Insurance Company, Ace Fire Underwriters Insurance Company, Ace Property and Casualty Insurance Company, ACUITY, A MUTUAL INSURANCE COMPANY, Addison Insurance Company, Aetna Dental Inc., Aetna Health Inc., Aetna Health Insurance Company, Aetna Life Insurance Company, Affiliated FM Insurance Company, AGCS Marine Insurance Company, AIG PROPERTY CASUALTY COMPANY and 419 more listed on the page.; accessed 2026-09-22.

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