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

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. ^4,5,9Company-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. ^{4,34,35,36,37}Company-reported. Corporate-affiliation statements. Does not establish that every HUB office places business through Insureon, or that TechInsurance is a distinct California producer.

Risklytics arranges commercial insurance for frontier-technology businesses; its disclosures identify Risklytics, Inc. dba Risklytics Insurance Services as producer, not insurer. ^40,41Company-reported. Company legal disclosures, including live terms section 2. Producer authority is company-reported, not regulator-verified.

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. ^{8,11,12,13,10,6}Company-reported. Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.

Risklytics says it drafts your application from your business description and public website for your review and signature; it also advertises Slack and email updates, but the process was not independently tested. ³⁹Company-reported. Current official service description; not independently tested or a policy entitlement.

Risklytics says it reviews your application, approaches insurers and explains quote wording; the insurer binds only after you accept, and timing varies by risk. ⁴⁴Company-reported. FAQ process description only; no application, quote or binding transaction performed.

Businesses can ask HUB about liability, property, workers’ comp, auto, cyber, D&O, professional liability, crime, fiduciary, bonds, malpractice, marine, equipment and transaction coverage, plus employee benefits; marketing pages do not establish exact forms or eligibility. ^{9,11,19,17,18,20,13,12,14,15,21,22,23,24,25,28,29,26,27,30,16}Company-reported. 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.

Technology companies can build programs around Tech E&O, cyber, D&O, workers’ comp, cargo, property, benefits and other listed risks; confirm which are relevant and available for your operations. ¹⁰Company-reported. 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.

Risklytics lists GL, Tech E&O, cyber, D&O, property, inland marine, workers’ comp, umbrella, IP and space insurance; these are separate placement categories, not a package or availability guarantee. ⁴²Company-reported. Direct service catalogue headed The lines we place. Technology E&O is not double-counted as generic professional E&O. Space has no existing shared coverage key and remains in this fact.

Technology firms can ask Risklytics to review E&O wording for AI exclusions before binding; its product page is not a specimen form or confirmation a specific AI loss is covered. ⁴⁶Company-reported. Current official service description; not independently tested or a policy entitlement.

Businesses seeking IP or space cover should check the actual form: Risklytics markets infringement defense and enforcement, and space coverage from pre-launch through orbit, but details vary by quote. ^47,48,42Company-reported. Specialty categories confirmed by direct placement catalogue; product-page examples are explanatory, not guaranteed insuring agreements.

HUB’s 700+ North American offices and San Francisco locations provide local broker access, but do not establish product availability, insurer or California binding authority. ^4,3,1,2Company-reported. Company-reported footprint and office directory. No 50-state product map was found on the reviewed HUB pages.

Ask which producer and surplus-lines entity will handle a California account: HUB does not name the entity for its San Francisco offices, while Insureon lists California license 0L09546 for SPG Insurance Solutions, not independently verified. ^5,1,35,38Not found in reviewed sources. Reviewed 16 September 2026. Interactive CDI search was not used to produce a screenshot or official abstract. No license number is independently verified here.

Verify the current producer authority for your location: Risklytics publishes NPN 22311838 and selected state licenses, but these company-listed identifiers are not independent verification or proof of product access. ⁴⁰Company-reported. About page attributes its table to NIPR; no NIPR producer report or regulator-issued record was obtained.

California is absent from Risklytics’ reviewed license table; this does not prove it cannot arrange coverage, so confirm the producer, authority and insurer before relying on a quote. ^40,41,49Not found in reviewed sources. Official company disclosures and initial CDI business-name search interface reviewed. No completed CDI search or license result. Office location and a fictional homepage demonstration mentioning CA do not establish authority.

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. ⁷Company-reported. Firmwide compensation disclosure. Amounts for a given account are not disclosed on the public page.

Ask for buyer fees, commission and total premium because Risklytics advertises no application or brokerage charge but its terms allow other compensation and policy fees. ^43,41Company-reported. Retail pricing page and terms section 9; no total-cost comparison with direct purchase or other brokers is supported.