GeneralAverage

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

Counterpart describes quote entry whose binding route remains unclear; HUB International describes online quote entry. Compare their documented roles and service routes, then confirm the insurer and terms for your quote. 6,25

Introduction to the Counterpart vs HUB International Comparison

Counterpart and HUB International describe different quote routes: quote entry whose binding route remains unclear and online quote entry. This comparison helps you match the documented process and business focus to the risk you are placing; it does not determine eligibility or policy terms. 6 25

Counterpart vs HUB International Coverage Lines Compared

CoverageCounterpartHUB International
Builders riskNot listedListed 27HUB International arranges builders risk insurance.
Business owner’s policyNot listedListed 35HUB International arranges business owner’s policies for small and midsized businesses.
Cargo and transitNot listedListed 45,27HUB International arranges cargo insurance.
Commercial autoNot listedListed 37HUB International arranges commercial auto insurance.
Commercial propertyNot listedListed 36HUB International arranges commercial property insurance.
CrimeListed 13Named Commercial Crime product; confirm agreements, controls, limits and exclusions in the policy.Listed 38,33HUB International arranges commercial crime insurance.
Cyber liabilityNot listedListed 30,27HUB International arranges cyber insurance.
Directors and officersListed 9,10Distinct private-company and nonprofit D&O product pages; class and insurer vary by placement.Listed 29,27HUB International arranges directors and officers liability insurance.
Employee health and benefitsNot listedListed 47,18HUB International arranges employee health and benefits programs.
Employment practices liabilityListed 11Named Employment Practices Liability product; examples and policy terms govern.Listed 33,27HUB International arranges employment practices liability insurance.
Equipment breakdownNot listedListed 46HUB International arranges equipment breakdown insurance.
Fidelity bondsNot listedListed 33HUB International arranges crime and fidelity coverage through its professional and executive risk practice.
Fiduciary liabilityListed 12Named Fiduciary Liability product for benefit-plan exposures; law and policy terms govern.Listed 39,33HUB International arranges fiduciary liability insurance.
General liabilityListed 14,17GL is described as a companion/package component with miscellaneous professional and lawyers liability; this does not establish broad standalone CGL.Listed 28HUB International arranges general liability insurance.
Hired and non-owned autoNot listedListed 37HUB International arranges hired and non-owned auto coverage through its commercial auto brokerage.
Key personNot listedListed 27HUB International arranges key person life and disability insurance.
Kidnap and ransomNot listedListed 40,33HUB International arranges kidnap and ransom insurance.
Management liabilityNot listedListed 27,33HUB International arranges management liability insurance through its professional and executive risk practice.
Medical malpracticeListed 15Allied healthcare liability for named classes; not universal conventional malpractice.Listed 42HUB International arranges medical professional liability insurance for health care professionals.
Product liabilityNot listedListed 44HUB International arranges product liability insurance.
Product recallNot listedListed 44HUB International arranges product recall insurance.
Professional errors and omissions (E&O)Listed 14,16,15,17Several separately scoped professional-liability programs; do not generalize terms across professions.Listed 31,32HUB International arranges professional errors and omissions insurance.
Representations and warrantiesNot listedListed 43HUB International arranges representations and warranties insurance.
Surety bondsNot listedListed 41HUB International arranges surety bonds.
Technology errors and omissions (E&O)Not listedListed 27HUB International arranges technology errors and omissions insurance.
Tools, equipment and inland marineNot listedListed 45HUB International arranges inland marine insurance through its marine practice.
TruckingNot listedListed 37HUB International arranges trucking insurance.
Umbrella and excess liabilityNot listedListed 44HUB International arranges umbrella and excess liability insurance.
Virtual care and telehealthNot listedListed 48HUB International arranges virtual care insurance for health care organizations.
Workers’ compensationNot listedListed 34HUB 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.

Counterpart vs HUB International Research by Coverage Line

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

Current Spot Scores for Counterpart 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.

Counterpart 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.

Counterpart Review Score

-/ 10

Review Score

No reviews found

We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.[7][10]

Read Counterpart 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-.[7][6]

Read HUB International reviews

Key Differences Between Counterpart and HUB International

Business Fit and Roles

Counterpart says its U.S. products are offered by its wholly owned subsidiary, Counterpart Insurance Services, Inc., which it identifies as a licensed producer and surplus-lines broker. The company says the issuing carrier is responsible for policy obligations. 3Company-reported. Provider-published U.S. distribution disclosure; this does not rule out an additional delegated program role.

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. 21,22,26Company-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.

The buyer starting points differ. Counterpart's published material says: Counterpart describes management and professional liability products for small businesses and presents both brokers and small businesses as audiences. 1 HUB International's published material says: Bay Area technology, venture-capital, healthcare, life-sciences, real-estate and construction businesses can contact HUB’s San Francisco team; this is a local service description, not a product eligibility list. 18 Use those descriptions to decide whose underwriting conversation to start; neither one establishes eligibility for your business.

The distinction matters when you need to know who receives the submission, which licensed intermediary can place the risk, and whose name appears as the insurer. Ask both providers to identify the producer, any program or managing entity, and the legal policy issuer for the exact quote; brand-level descriptions do not assign those roles to every policy. 3 21

Getting a Quote

A February 2025 Counterpart help article describes a wholesale-broker referral route. Its current homepage also shows “Quote Online,” but we couldn’t confirm whether the current path is broker-assisted or lets a buyer quote, purchase or bind directly. 6,1,5Conflicting sources. Older dated directions conflict with or leave an ambiguity beside a current digital quote CTA; no form or transaction was tested.

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. 25,28,29,30,27,23Company-reported. Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.

The published application descriptions do not establish that your business can complete a quote or bind online. Before comparing convenience, confirm who submits the application, whether an appointed producer is required, what information underwriting needs, and which signed documents or conditions must be satisfied before coverage starts. 6 25

Service After Binding

Counterpart says brokers can renew professional-liability accounts in a few clicks and can speak with profession-specialized underwriters. This is not a measured renewal time or a promise of automatic, guaranteed or direct insured renewal. 8Company-reported. Company-described professional-liability broker service.

HUB describes local account teams, claims and certificate tools, and renewal support for benefits; ask which service tier, tools and fees apply to your account. 33,50,47Company-reported. Company-described servicing capabilities. Client eligibility for RMIS or ProEx specialist teams is not defined on the public pages.

Compare the named post-bind contact for certificates, policy changes, renewal questions and claim reporting. A digital account or claim-notice route can help with administration, but it does not decide coverage or establish a claim outcome; get the applicable service contacts and notice deadlines with the proposed policy. 8 33

What Should You Confirm in Counterpart and HUB International Quotes?

  • Which legal insurer will appear on the declarations, and which licensed producer or intermediary is responsible for placing this specific product? 3 21

  • Does the application route require an appointed broker, a broker-submitted form, or a direct business-owner application, and what event makes coverage effective? 6 25

  • For each line you need, what limits, retentions, exclusions, defense terms and endorsements appear in the proposed form, and which service contact handles renewals, changes and claim notices? 8 33

Counterpart vs HUB International Services Compared

What each provider documents about the services you may need

CriteriaCounterpartHUB International
Business role

Counterpart says its U.S. products are offered by its wholly owned subsidiary, Counterpart Insurance Services, Inc., which it identifies as a licensed producer and surplus-lines broker. The company says the issuing carrier is responsible for policy obligations. 3Company-reported. Provider-published U.S. distribution disclosure; this does not rule out an additional delegated program role.

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. 21,22,26Company-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. 21,51,52,53,54Company-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 February 2025 Counterpart help article describes a wholesale-broker referral route. Its current homepage also shows “Quote Online,” but we couldn’t confirm whether the current path is broker-assisted or lets a buyer quote, purchase or bind directly. 6,1,5Conflicting sources. Older dated directions conflict with or leave an ambiguity beside a current digital quote CTA; no form or transaction was tested.

Counterpart says its dashboard shows broker-submission statuses from in progress through underwriting review and quote; its article says binding requires a signed application and any required subjectivities. 7Company-reported. Company-described broker workflow in a July 2025 article; not independently tested.

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. 25,28,29,30,27,23Company-reported. Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.

Servicing and renewals

Counterpart says brokers can renew professional-liability accounts in a few clicks and can speak with profession-specialized underwriters. This is not a measured renewal time or a promise of automatic, guaranteed or direct insured renewal. 8Company-reported. Company-described professional-liability broker service.

HUB describes local account teams, claims and certificate tools, and renewal support for benefits; ask which service tier, tools and fees apply to your account. 33,50,47Company-reported. Company-described servicing capabilities. Client eligibility for RMIS or ProEx specialist teams is not defined on the public pages.

Sources for Counterpart vs HUB International

Counterpart Official Website

  1. Counterpart | Agentic Insurance™. Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287. Accessed 2026-09-29.
  2. About Counterpart. Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26. Accessed 2026-09-29.
  3. Licenses & Carriers. Counterpart Insurance Services, Inc.; Provider-published entity/license disclosure, carrier table, policy obligation and compensation disclosure. Source snapshot 2026-09-28. No product/state issuer map. Accessed 2026-09-28.
  4. Counterpart press articles. Counterpart press site; May 19, 2026 Series C item describes a future first-time push to retain risk through Counterpart Insurance Company; July 14, 2026 item announces excess coverage across product lines; Sep 1, 2026 item announces Lawyers Professional Liability. Accessed 2026-09-29.
  5. Counterpart application destination. Counterpart; Reached from current homepage Quote Online CTA; the page requires JavaScript and the quote app did not display. No form/account/quote/purchase/bind flow tested. Accessed 2026-09-29.
  6. How can I get insurance through Counterpart? Counterpart Knowledge Center; Purchase route lines 17–22; article dated Feb 6, 2025; wholesale referral instructions. Accessed 2026-09-28.
  7. What is my application status? Counterpart Knowledge Center; Dashboard statuses lines 17–26; article dated July 16, 2025; broker submission and signature/subjectivity requirements. Accessed 2026-09-28.
  8. Counterpart Professional Liability. Counterpart, Inc.; Broker renewals and profession-specialized underwriters, lines 72–81. Accessed 2026-09-28.
  9. Private Directors & Officers Liability Insurance. Counterpart, Inc.; Who we cover; coverage; example limits and retentions; capacity. Accessed 2026-09-28.
  10. Not-for-Profit Directors & Officers Insurance. Counterpart, Inc.; Who we cover; coverage; underwriting partners. Accessed 2026-09-28.
  11. Employment Practices Liability Insurance. Counterpart, Inc.; Eligibility; listed allegations; illustrative limits and retentions; examples. Accessed 2026-09-28.
  12. Fiduciary Liability Insurance. Counterpart, Inc.; Plan and employer eligibility; ERISA and plan administration; examples and illustrative limits. Accessed 2026-09-28.
  13. Commercial Crime Insurance. Counterpart, Inc.; Employee theft, forgery, computer/system fraud, funds-transfer and social-engineering scenarios; examples. Accessed 2026-09-28.
  14. Professional & General Liability. Counterpart, Inc.; Re-opened Sep 29: lines 4–8 MPL available alone or packaged with GL; lines 38–207 professions/examples; 208–245 industries, state availability, coverage descriptions; 251–283 services. Company marketing, not binding terms. Accessed 2026-09-29.
  15. Allied Medical & Healthcare Liability. Counterpart, Inc.; Named allied health classes, combined coverage/enhancements, limits/examples; Sep 28 source inspection. Not universal malpractice or standalone CGL. Accessed 2026-09-28.
  16. Architects, Engineers, & Contractors Liability. Counterpart, Inc.; A&E/contractor classes, services, example limits and enhancements; Sep 28 source inspection. Accessed 2026-09-28.
  17. Lawyers Professional Liability Insurance. Counterpart, Inc.; Re-opened Sep 29: rendered lines 4–8 product, 27–29 class, 236–248 company-stated U.S. reach, 250–276 services, modular limits, tech/media features and GL alongside professional coverage. Does not establish separate media/tech E&O/GL. Accessed 2026-09-29.

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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