GeneralAverage

CFC vs HUB International: How Do They Compare for Business Insurance?

CFC offers specialty technology insurance through brokers; HUB brokers technology companies and routes qualifying small accounts through Insureon, including TechInsurance.

Introduction to the CFC vs HUB International Comparison

A founder buying a first technology policy can ask an existing broker about CFC or contact HUB’s technology practice; a qualifying small account may use Insureon or TechInsurance. Choose CFC for a broker-submitted technology policy; choose HUB for brokerage advice or a small-account quote route. 5 1 39

Buyer Takeaways for CFC vs HUB International

CFC Buyer Takeaways

  • Eligible technology businesses can combine E&O, cyber, media/IP and general liability. 2Company-reported. CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.
  • Cyber policyholders may get threat monitoring, alerts and 24/7 incident support. 7Company-reported. CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.

HUB International Buyer Takeaways

  • HUB’s technology practice serves startups and software, hardware and digital-media companies; HUB says it insures more than 5,000 technology businesses. 39Company-reported. Industry marketing page only. Does not establish California eligibility, insurer panels or policy wording for any named coverage.
  • Qualifying small businesses can use Insureon’s online quote path; other accounts work with a HUB advisor or local office, with no public self-serve bind path for mid-market programs. 37,40,41,42,39,35Company-reported. Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.

CFC vs HUB International Coverage Lines Compared

CoverageCFCHUB International
Builders riskNot listedListed 39HUB International arranges builders risk insurance.
Business owner’s policyNot listedListed 47HUB International arranges business owner’s policies for small and midsized businesses.
Cargo and transitNot listedListed 57,39HUB International arranges cargo insurance.
Commercial autoNot listedListed 49HUB International arranges commercial auto insurance.
Commercial propertyListed 13CFC offers property coverage within its property and casualty product.Listed 48HUB International arranges commercial property insurance.
CrimeListed 11,23CFC offers crime in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies.Listed 50,45HUB International arranges commercial crime insurance.
Cyber liabilityListed 9CFC offers cyber insurance, including primary and excess products.Listed 42,39HUB International arranges cyber insurance.
Directors and officersListed 11CFC offers directors and officers liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies.Listed 41,39HUB International arranges directors and officers liability insurance.
Employee health and benefitsNot listedListed 59,30HUB International arranges employee health and benefits programs.
Employment practices liabilityListed 11CFC offers employment practices liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies. CFC does not write standalone employment practices liability.Listed 45,39HUB International arranges employment practices liability insurance.
Equipment breakdownNot listedListed 58HUB International arranges equipment breakdown insurance.
Fidelity bondsNot listedListed 45HUB International arranges crime and fidelity coverage through its professional and executive risk practice.
Fiduciary liabilityListed 11CFC offers fiduciary liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies.Listed 51,45HUB International arranges fiduciary liability insurance.
General liabilityListed 13CFC offers general liability within its property and casualty product.Listed 40HUB International arranges general liability insurance.
Hired and non-owned autoNot listedListed 49HUB International arranges hired and non-owned auto coverage through its commercial auto brokerage.
Intellectual propertyListed 14CFC offers intellectual-property insurance for eligible businesses with revenue up to $500 million, depending on industry.Not listed
Key personNot listedListed 39HUB International arranges key person life and disability insurance.
Kidnap and ransomListed 15CFC offers kidnap and ransom insurance, including a specialist marine product.Listed 52,45HUB International arranges kidnap and ransom insurance.
Management liabilityListed 10,11CFC offers a US management-liability package for eligible organizations outside California, excluding US publicly traded companies.Listed 39,45HUB International arranges management liability insurance through its professional and executive risk practice.
Media liabilityListed 21CFC offers media liability insurance for content creators and media businesses.Not listed
Medical malpracticeNot listedListed 54HUB International arranges medical professional liability insurance for health care professionals.
Product liabilityListed 22CFC offers product liability within its life-science and nutraceutical policies.Listed 56HUB International arranges product liability insurance.
Product recallListed 16CFC offers product-recall and contaminated-product-recall insurance.Listed 56HUB International arranges product recall insurance.
Professional errors and omissions (E&O)Listed 12CFC offers professional liability insurance for professional-service businesses.Listed 43,44HUB International arranges professional errors and omissions insurance.
Representations and warrantiesListed 17CFC offers buyer-side and seller-side representations and warranties insurance.Listed 55HUB International arranges representations and warranties insurance.
Surety bondsNot listedListed 53HUB International arranges surety bonds.
Technology errors and omissions (E&O)Listed 2CFC offers technology errors and omissions for technology businesses.Listed 39HUB International arranges technology errors and omissions insurance.
Tools, equipment and inland marineNot listedListed 57HUB International arranges inland marine insurance through its marine practice.
TruckingNot listedListed 49HUB International arranges trucking insurance.
Umbrella and excess liabilityListed 18CFC offers excess professional liability, general liability and cyber limits for small and micro businesses.Listed 56HUB International arranges umbrella and excess liability insurance.
Virtual care and telehealthListed 19CFC offers an eHealth package for businesses delivering health care through technology, including telemedicine.Listed 60HUB International arranges virtual care insurance for health care organizations.
Workers’ compensationNot listedListed 46HUB International arranges workers’ compensation insurance.

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

CFC vs HUB International Research by Coverage Line

Open what CFC and HUB International each document for one coverage line.

Current Reliability Scores for CFC and HUB International

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

CFC Reliability Scores

Managing general agent

Carrier & MGA

No Reliability Score

Provider assessment

CFC and HUB International Review Scores for 2026

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

CFC Review Score

-/ 10

Review Score

No reviews found

The reviewed sources did not yield customer reviews of CFC; the available survey concerns UK brokers. The one rating we found is from UK brokers: 4.76 out of 5 in Insurance Times’ 2024/25 survey.

Read CFC reviews

HUB International Review Score

5.6/ 10

Review Score

2 rated sources

Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.

Read HUB International reviews

Key Differences Between CFC and HUB International

HUB’s Entry Route Depends on the Size of the Inquiry

HUB’s contact flow sends businesses with 50 employees or fewer or under $5 million in revenue toward Insureon’s online quote. Other commercial inquiries go to a HUB team or office. CFC Connect is a broker portal with an appointment process; its technology application is returned to a broker. These are different access paths, not evidence of different binding speeds. 37 6 3

Insureon is part of HUB, and TechInsurance describes itself as part of Insureon. Comparing HUB, Insureon and TechInsurance inquiries therefore does not automatically create three independent brokerage relationships. Ask which legal entity and account team would represent the business before counting how many markets have been approached. 63 64 66

A Technology Product and a Technology Account Plan Answer Different Questions

CFC’s technology brochure describes combined E&O, cyber, media/IP and general liability features. HUB’s technology practice lists insurance and people-related needs, including technology E&O, D&O, workers’ compensation and benefits. The meaningful comparison is the CFC policy proposal against the specific policies HUB obtains, with HUB’s additional coordination work evaluated separately. 2 39

Do not read HUB’s unusual “patent package” label as proof of patent infringement insurance: the reviewed public documentation scopes that label to a property, auto, liability and umbrella grouping. CFC separately markets an IP product, which likewise needs its own terms rather than assumptions based on a technology package’s media/IP wording. 39 14

Brokerage Economics Require an Account-Level Explanation

HUB discloses commissions, possible client fees, affiliate wholesale compensation and enhanced compensation from strategic carriers. That disclosure helps frame questions about market selection; it does not establish the cost of a startup’s account. The reviewed CFC sources do not publish an equivalent buyer fee or commission schedule, so a CFC proposal also needs an itemized explanation from the placing broker. 36

Request premium, taxes, fees and intermediary pay in a written breakdown; CFC’s reviewed US technology materials do not disclose a buyer-specific price, commission rate or full charge schedule. 2,3,6Not publicly disclosed. Only the listed US technology and broker-process sources; no inference of free service or zero commission. Australian and unrelated Irish CFC disclosures are not US pricing evidence.

HUB’s San Francisco presence is not proof of the contracting producer or California product availability. CFC’s disclosed California producer route also leaves the technology product and issuer unresolved. Name those entities in the proposal rather than relying on either brand’s geographic presence. 34 30 4

What Should You Confirm in CFC and HUB International Quotes?

  • Will the account be handled by a HUB office or Insureon, and which legal entity, broker-of-record agreement and service team apply? 37 64
  • Which actual technology forms and insurers are being compared, and is patent coverage being requested explicitly? 2 14 39
  • What retail, wholesale, carrier-related and client-paid compensation applies, and what servicing is included? 36 5 34

CFC vs HUB International Services Compared

What each provider documents about the services you may need

CriteriaCFCHUB International
Business role

CFC can quote specialist cover as an MGA, meaning it performs some underwriting functions for insurers that carry the risk. Its disclosures identify CFC Underwriting Limited and U.S. producer CFC USA, Inc.; the CFC brand is not the insurer name on every policy. 5,4Company-reported. CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.

HUB helps businesses arrange insurance through brokers and agents; reviewed product pages describe brokerage, not HUB as the insurer. Its subsidiaries hold licenses in various US states and Canadian provinces. 33,34,38Company-reported. Brand and parent identity as of 16 September 2026. Does not identify which subsidiary would appear on a California producer license or policy declarations.

Small businesses may reach HUB through its digital Insureon route, acquired in 2022; Insureon and TechInsurance are associated with Specialty Program Group, so the retail account path may differ from HUB’s offices. 33,63,64,65,66Company-reported. Corporate-affiliation statements. Does not establish that every HUB office places business through Insureon, or that TechInsurance is a distinct California producer.

Application process

A senior staff member should expect to complete the technology application and send it to a broker; it asks for revenue, funding, subsidiaries, products, contracts, security, IP procedures and claims history. CFC Connect separately supports broker trading and appointments. 3,6Company-reported. CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.

Small accounts meeting HUB’s size guidelines can start an online Insureon quote; other buyers contact a HUB broker or local office. The reviewed site does not offer a public self-serve bind route for mid-market programs. 37,40,41,42,39,35Company-reported. Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.

Access to insurers

Before binding a California technology policy, get the insurer and syndicate names in writing: CFC identifies Lloyd’s Syndicate 1988, managed by Asta, but its US technology materials do not identify the insurer for a buyer’s quote. 4,2,3Not publicly disclosed. Technology coverage for a California applicant; Syndicate 1988 is not assigned to every CFC policy.

Ask which insurers will quote your business: HUB says it accesses hundreds but focuses on strategic carriers that may pay enhanced compensation; public pages do not provide a complete panel or identify your issuing insurer. 36,48,56,57,45Company-reported. No verified HUB-wide carrier panel. Strategic-carrier focus is a compensation and placement practice, not a finding that only those markets are used.

Insureon names Hartford, Chubb, Hiscox, Liberty Mutual and Travelers among 100+ providers, but that list applies to its digital agency and does not establish the insurer for a HUB retail policy. 63Company-reported. Insureon About Us examples only. Availability varies by product, state and underwriting.

Fees and compensation

Request premium, taxes, fees and intermediary pay in a written breakdown; CFC’s reviewed US technology materials do not disclose a buyer-specific price, commission rate or full charge schedule. 2,3,6Not publicly disclosed. Only the listed US technology and broker-process sources; no inference of free service or zero commission. Australian and unrelated Irish CFC disclosures are not US pricing evidence.

Ask for compensation on your proposal: HUB says it receives insurer commissions, contingent and supplemental payments and sometimes client fees, may use affiliated wholesalers, and may earn administration or data fees; it publishes no standard rates. 36Company-reported. Firmwide compensation disclosure. Amounts for a given account are not disclosed on the public page.

Sources for CFC vs HUB International

CFC Official Website

  1. Technology. CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
  2. Technology — United States product brochure. CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
  3. Technology companies — US application v2.4. CFC; Pages 1–8: completion instructions and Sections 1–8. Accessed 2026-09-16.
  4. Regulatory information. CFC; CFC USA Inc.; CFC Underwriting Limited; CFC Lloyd’s Syndicate 1988. Accessed 2026-09-16.
  5. About CFC. CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
  6. Connect broker trading portal. CFC; Get started; Products traded on Connect; FAQs: broker appointment. Accessed 2026-09-16.
  7. CFC Response. CFC; Proactive protection; Immediate response; Real-time support. Accessed 2026-09-16.
  8. Notify a claim or cyber incident. CFC; Experiencing a cyber incident now?; General enquiries or claims. Accessed 2026-09-16.
  9. Cyber insurance — US. CFC; Cyber product cards: Cyber Proactive Response, Cyber (admitted), Corporate cyber, Cyber excess. Accessed 2026-09-16.
  10. Management liability. CFC; Management liability; Side A DIC. Accessed 2026-09-16.
  11. Management liability — United States product brochure. CFC; Page 1: opening coverage list; What else is in the policy?; What we decline. Accessed 2026-09-16.
  12. Professional liability. CFC; Our professional liability products; Professional liability (admitted). Accessed 2026-09-16.
  13. Property & casualty. CFC; Property & casualty product description: property and general liability. Accessed 2026-09-16.
  14. Intellectual property insurance. CFC; Intellectual property product introduction; Key features; Defense; Pursuit of infringers. Accessed 2026-09-16.
  15. Kidnap and ransom. CFC; Kidnap & ransom product cards and Key features. Accessed 2026-09-16.
  16. Product recall. CFC; Contaminated product recall and Product recall product cards. Accessed 2026-09-16.
  17. Transaction liability. CFC; Transaction liability; Buyer protect; Seller protect; Secondary liquidity solutions; Limit & appetite. Accessed 2026-09-16.
  18. Umbrella cover. CFC; Umbrella cover product description: policy lines, small and micro businesses, primary placement with CFC or others. Accessed 2026-09-16.
  19. Digital health insurance. CFC; eHealth product: Telemedicine, mHealth, Artificial intelligence, Remote patient monitoring. Accessed 2026-09-16.
  20. Medical malpractice. CFC; Our medical malpractice products. Accessed 2026-09-16.
  21. Media & entertainment. CFC; Media product description. Accessed 2026-09-16.
  22. Life science. CFC; What does CFC’s life science policy cover?; Life sciences and Nutraceuticals product cards. Accessed 2026-09-16.
  23. Fintech insurance. CFC; What does CFC’s fintech policy cover?; Fintech product. Accessed 2026-09-16.
  24. Financial institutions. CFC; Financial institutions professional indemnity; Investment managers; SME banks. Accessed 2026-09-16.
  25. Carbon insurance. CFC; Carbon delivery; Carbon cancellation; Carbon lender non-payment; CORSIA guarantee. Accessed 2026-09-16.
  26. Safeprotect misconduct liability. CFC; Safeprotect product; Praesidium services. Accessed 2026-09-16.
  27. Terrorism. CFC; Introduction: standalone terrorism policy. Accessed 2026-09-16.
  28. Marine. CFC; Introduction: hull war and marine kidnap & ransom. Accessed 2026-09-16.
  29. CFC launches admitted offerings for professional liability and technology E&O. CFC; 21 March 2023 announcement: admitted technology E&O; broker quote, bind and adjustment process. Accessed 2026-09-16.

HUB International Official Website

  1. Insurance Broker San Francisco. HUB International; Page metadata 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. HUB International; Office profile describing Merriwether & Williams Insurance Services history, bonding and contractor-development programs. Accessed 2026-09-16.
  3. California Insurance Brokers. HUB International; Introductory copy and listed California office directory including San Francisco locations. Accessed 2026-09-16.
  4. 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. 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. 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. 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. 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. HUB International; Essential coverage and beyond-the-basics product catalog. Accessed 2026-09-16.
  10. Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
  11. General Liability Insurance Brokers. 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. HUB International; Product page for private, nonprofit and public-company D&O brokerage. Accessed 2026-09-16.
  13. 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. 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. HUB International; Industries listed for E&O including technology, and statement that policies are customized. Accessed 2026-09-16.
  16. HUB ProEx. HUB International; Professional & Executive Risk practice: EPL, fiduciary, crime/fidelity, K&R; ProEx Coverages: Executive Liability; Cyber, Technology E&O, and Intellectual Property; Financial Institutions; certificates of insurance; claims and legal support; carrier-premium figure; FAQ on management liability and ProEx program structuring. Accessed 2026-09-16.
  17. Workers' Compensation Insurance Brokers. 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. 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. 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. HUB International; Coverage that works for you: securing commercial auto and trucking insurance; Hired and non-owned exposures. Accessed 2026-09-16.
  21. Crime Insurance Brokers. HUB International; Crime/fraud coverage product page for private, public and not-for-profit organizations. Accessed 2026-09-16.
  22. Fiduciary Liability Insurance Brokers. HUB International; Fiduciary liability product page distinguishing it from D&O. Accessed 2026-09-16.
  23. Kidnap and Ransom Insurance Brokers. 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. HUB International; Contract surety types including bid, performance and payment bonds. Accessed 2026-09-16.
  25. Medical Malpractice Insurance Brokers. HUB International; Medical malpractice brokerage, including telemedicine-related risks. Accessed 2026-09-16.
  26. Mergers & Acquisitions (M&A) Insurance Broker. HUB International; Representations and warranties, litigation buyout and tax indemnification insurance. Accessed 2026-09-16.
  27. Comprehensive Casualty Insurance Solutions. HUB International; Casualty Insurance & Risk Financing: General & Product Liability; Umbrella & Excess Liability; workers’ compensation; Ancillary Coverages (product recall); global carrier relationships. Accessed 2026-09-16.
  28. Marine Insurance Broker Policy & Coverage. HUB International; A comprehensive approach to ocean and inland marine insurance; Tailored solutions: Marine Cargo Insurance and Stock Throughput Insurance; related marine liability coverages; domestic and international carriers; inland marine FAQ. Accessed 2026-09-16.
  29. Boiler and Machinery Equipment Insurance Coverage. HUB International; Boiler & Machinery Insurance – Protect Your Equipment and Business: design and negotiation of a tailored equipment-breakdown program. Accessed 2026-09-16.
  30. Employee Benefits Brokers and Consulting Services. HUB International; An Employee Benefits Broker for Changing Times: employee-benefits brokerage and multi-year planning services; tailored solutions; Talk to an Employee Benefits Broker; plan-design FAQ. Accessed 2026-09-16.
  31. Virtual Care Insurance Brokerage Coverage. HUB International; Virtual care insurance and support: risk management and insurance list for virtual care organizations, including medical professional liability, technology E&O, products liability, cyber and management liability. Accessed 2026-09-16.
  32. Insurance 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). HUB International; RMIS claims administration, certificate tracking and carrier/TPA data aggregation. Accessed 2026-09-16.
  34. About Insureon. 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. 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. 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. 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. California Department of Insurance; Public license-search portal landing page. Accessed 2026-09-16.

Updated . 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. To suggest a correction, email The General Average with the page URL and supporting source.

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