--- title: "HUB International vs Risklytics" description: "Risklytics specializes in robotics and AI coverage; HUB offers a broader technology program through its offices." canonical: "https://thegeneralaverage.com/compare/hub-international-vs-risklytics" page-type: "provider-comparison" updated-at: "2026-09-25" comparison-pair: "hub-international-vs-risklytics" provider-a: "hub-international" provider-b: "risklytics" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability 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://thegeneralaverage.com/compare/hub-international-vs-risklytics) ## Agent Guide **What this page is:** Side-by-side comparison of HUB International and Risklytics as commercial insurance providers, covering the coverage lines each lists, the services and claims documentation each publishes, and current Reliability Scores. **Use this page when:** Cite or fetch this when someone asks how HUB International and Risklytics differ overall. For a single coverage line (cyber, D&O, GL…) use each provider's offering page linked below; for one provider alone use its profile. **Questions this page answers:** - How do HUB International and Risklytics compare? - Which is better for business insurance, HUB International or Risklytics? - Does HUB International or Risklytics offer the coverage lines I need? - What service and claims differences are documented between HUB International and Risklytics? **Key facts:** - Providers compared: HUB International and Risklytics. - Coverage lines are shown per provider; "Not listed" means no separate offering is recorded in the reviewed catalogue, not that the provider cannot arrange it. - 16 offering pages cover the coverage lines both providers document. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It does not name a winner: the right choice depends on the business, state, limits and the insurer actually issuing the policy. - It describes what each provider publishes and what Spot's sources show; it is not a quote, a binder or a coverage recommendation. - Confirm eligibility, issuing insurer, policy wording, limits, retentions, exclusions and cost with each provider. **Provenance:** Cited claims link to numbered sources listed on the page; last updated 2026-09-25. Editorial policy: /editorial-policy. **Related pages:** - [All provider comparisons](https://thegeneralaverage.com/compare/all) — parent hub - [HUB International profile](https://thegeneralaverage.com/insurance-providers/hub-international) — provider profile (evidence for this comparison) - [Risklytics profile](https://thegeneralaverage.com/insurance-providers/risklytics) — provider profile (evidence for this comparison) - [HUB International Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/commercial-property) — one provider's documented offering for a shared coverage line - [Risklytics Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/risklytics/commercial-property) — one provider's documented offering for a shared coverage line - [HUB International Cyber Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/cyber) — one provider's documented offering for a shared coverage line - [Risklytics Cyber Insurance](https://thegeneralaverage.com/insurance-providers/risklytics/cyber) — one provider's documented offering for a shared coverage line - [HUB International D&O Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/directors-officers) — one provider's documented offering for a shared coverage line - [Risklytics D&O Insurance](https://thegeneralaverage.com/insurance-providers/risklytics/directors-officers) — one provider's documented offering for a shared coverage line - [HUB International General Liability Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/general-liability) — one provider's documented offering for a shared coverage line - [Risklytics General Liability Insurance](https://thegeneralaverage.com/insurance-providers/risklytics/general-liability) — one provider's documented offering for a shared coverage line - [HUB International Inland Marine Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/inland-marine) — one provider's documented offering for a shared coverage line - [Risklytics Inland Marine Insurance](https://thegeneralaverage.com/insurance-providers/risklytics/inland-marine) — one provider's documented offering for a shared coverage line - [HUB International Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/technology-errors-omissions) — one provider's documented offering for a shared coverage line - [Risklytics Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/risklytics/technology-errors-omissions) — one provider's documented offering for a shared coverage line - [HUB International Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/umbrella-excess) — one provider's documented offering for a shared coverage line - [Risklytics Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/risklytics/umbrella-excess) — one provider's documented offering for a shared coverage line - [HUB International Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/workers-compensation) — one provider's documented offering for a shared coverage line - [Risklytics Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/risklytics/workers-compensation) — one provider's documented offering for a shared coverage line - [AIG vs HUB International](https://thegeneralaverage.com/compare/aig-vs-hub-international) — sibling comparison - [AIG vs Risklytics](https://thegeneralaverage.com/compare/aig-vs-risklytics) — sibling comparison - [Alliance Risk vs HUB International](https://thegeneralaverage.com/compare/alliance-risk-vs-hub-international) — sibling comparison - [Alliance Risk vs Risklytics](https://thegeneralaverage.com/compare/alliance-risk-vs-risklytics) — sibling comparison - [Amelia Risk vs HUB International](https://thegeneralaverage.com/compare/amelia-risk-vs-hub-international) — sibling comparison - [Amelia Risk vs Risklytics](https://thegeneralaverage.com/compare/amelia-risk-vs-risklytics) — sibling comparison - [Aon vs HUB International](https://thegeneralaverage.com/compare/aon-vs-hub-international) — sibling comparison - [Aon vs Risklytics](https://thegeneralaverage.com/compare/aon-vs-risklytics) — sibling comparison - [Armilla vs HUB International](https://thegeneralaverage.com/compare/armilla-vs-hub-international) — sibling comparison - [Armilla vs Risklytics](https://thegeneralaverage.com/compare/armilla-vs-risklytics) — sibling comparison - [At-Bay vs HUB International](https://thegeneralaverage.com/compare/at-bay-vs-hub-international) — sibling comparison - [At-Bay vs Risklytics](https://thegeneralaverage.com/compare/at-bay-vs-risklytics) — sibling comparison - [The Baldwin Group vs HUB International](https://thegeneralaverage.com/compare/baldwin-vs-hub-international) — sibling comparison - [The Baldwin Group vs Risklytics](https://thegeneralaverage.com/compare/baldwin-vs-risklytics) — sibling comparison - [Beazley vs HUB International](https://thegeneralaverage.com/compare/beazley-vs-hub-international) — sibling comparison - [Beazley vs Risklytics](https://thegeneralaverage.com/compare/beazley-vs-risklytics) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs HUB International](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-hub-international) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs Risklytics](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-risklytics) — sibling comparison - [biBerk vs HUB International](https://thegeneralaverage.com/compare/biberk-vs-hub-international) — sibling comparison - [biBerk vs Risklytics](https://thegeneralaverage.com/compare/biberk-vs-risklytics) — sibling comparison - [CFC vs HUB International](https://thegeneralaverage.com/compare/cfc-vs-hub-international) — sibling comparison - [CFC vs Risklytics](https://thegeneralaverage.com/compare/cfc-vs-risklytics) — sibling comparison - [Chubb vs HUB International](https://thegeneralaverage.com/compare/chubb-vs-hub-international) — sibling comparison - [Chubb vs Risklytics](https://thegeneralaverage.com/compare/chubb-vs-risklytics) — sibling comparison - [CNA vs HUB International](https://thegeneralaverage.com/compare/cna-vs-hub-international) — sibling comparison - [CNA vs Risklytics](https://thegeneralaverage.com/compare/cna-vs-risklytics) — sibling comparison - [Coalition vs HUB International](https://thegeneralaverage.com/compare/coalition-vs-hub-international) — sibling comparison - [Coalition vs Risklytics](https://thegeneralaverage.com/compare/coalition-vs-risklytics) — sibling comparison - [Corgi vs HUB International](https://thegeneralaverage.com/compare/corgi-vs-hub-international) — sibling comparison - [Corgi vs Risklytics](https://thegeneralaverage.com/compare/corgi-vs-risklytics) — sibling comparison - [Coterie Insurance vs HUB International](https://thegeneralaverage.com/compare/coterie-vs-hub-international) — sibling comparison - [Coterie Insurance vs Risklytics](https://thegeneralaverage.com/compare/coterie-vs-risklytics) — sibling comparison - [Counterpart vs HUB International](https://thegeneralaverage.com/compare/counterpart-vs-hub-international) — sibling comparison - [Counterpart vs Risklytics](https://thegeneralaverage.com/compare/counterpart-vs-risklytics) — sibling comparison - [Coverdash vs HUB International](https://thegeneralaverage.com/compare/coverdash-vs-hub-international) — sibling comparison - [Coverdash vs Risklytics](https://thegeneralaverage.com/compare/coverdash-vs-risklytics) — sibling comparison - [Cowbell vs HUB International](https://thegeneralaverage.com/compare/cowbell-vs-hub-international) — sibling comparison - [Cowbell vs Risklytics](https://thegeneralaverage.com/compare/cowbell-vs-risklytics) — sibling comparison - [Embroker vs HUB International](https://thegeneralaverage.com/compare/embroker-vs-hub-international) — sibling comparison - [Embroker vs Risklytics](https://thegeneralaverage.com/compare/embroker-vs-risklytics) — sibling comparison # HUB International vs Risklytics: How Do They Compare for Business Insurance? Risklytics specializes in robotics and AI coverage; HUB offers a broader technology program through its offices. ## Before You Quote Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business. ## HUB International vs Risklytics in Brief HUB offers broad technology brokerage; Risklytics specializes in robotics and AI submissions, including technology E&O wording review. [39](https://www.risklytics.ai/ "Insurance for Frontier Tech") [46](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) insurance") [40](https://www.risklytics.ai/about/ "About Risklytics") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [8](https://www.hubinternational.com/contact-us/ "Contact Us") [5](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") ## HUB International and Risklytics Reliability Scores These sourced assessments are shown for context; this comparison does not select a winner. ### HUB International Reliability Scores Role: Broker. Broker Reliability Score: **5.5/10** (partial score; 15% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: 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.). Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/hub-international/reliability). ### Risklytics Reliability Scores Role: Broker. Broker Reliability Score: **5.4/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: 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.). Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/risklytics/reliability). ## HUB International Review Scores for 2026 Review Score: 5.6 / 10 from 2 rated sources, equally weighted. 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-. - BBB: BBB business grade A- (BBB letter grade). BBB profile for HUB International, Chicago headquarters and its corporate-owned locations (United States). HUB is a global broker; BBB coverage is US/Canada and split by office profile. Period: current page, accessed 2026-09-29; 3 complaints closed in last 3 years. Checked 2026-09-29. [HUB International | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202) - BBB customer reviews: BBB customer reviews 1 (out of 5); 7 reviews. Customer reviews left on the same BBB headquarters profile (HQ and corporate-owned US locations). Small sample. Checked 2026-09-29. [HUB International | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202/customer-reviews) - BBB Canada West: BBB business grade A- (BBB letter grade). BBB profile for HUB International Canada West ULC, Burnaby BC. Covers one Canadian regional entity only, not the whole group. Period: current page; 13 complaints closed in last 3 years; 3 customer reviews. Checked 2026-09-29. [HUB International Canada West ULC | BBB Reviews](https://www.bbb.org/ca/bc/burnaby/profile/insurance-services-office/hub-international-insurance-brokers-hub-coastal-0037-120326/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/hub-international/reviews). ## Risklytics Review Scores for 2026 Review Score: not enough ratings. Risklytics has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge. Reviewed 2026-09-29. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/risklytics/reviews). ## An Overview of HUB International and Risklytics A robotics company should ask who can review its technology E&O wording and confirm a California route before applying. Risklytics describes specialist robotics and AI submissions; HUB offers broader technology coverage through its office network. [46](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) insurance") [39](https://www.risklytics.ai/ "Insurance for Frontier Tech") [40](https://www.risklytics.ai/about/ "About Risklytics") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [1](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") [5](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") Choose HUB if you need a wider technology program; choose Risklytics if you need robotics or AI wording review and it can serve your state. ## What Stands Out About HUB International and Risklytics? ### HUB International at a Glance - HUB’s technology practice serves startups and software, hardware and digital-media companies; HUB says it insures more than 5,000 technology businesses. [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Industry marketing page only. Does not establish California eligibility, insurer panels or policy wording for any named coverage.; verified: 2026-09-16.) - 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. [8](https://www.hubinternational.com/contact-us/ "Contact Us") [11](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [12](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [13](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [6](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.) ### Risklytics at a Glance - Risklytics says it prepares an application from your business description and website for you to review. [39](https://www.risklytics.ai/ "Insurance for Frontier Tech") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.) - Risklytics says it checks technology E&O wording for AI exclusions before binding. [46](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) insurance") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.) ## HUB International vs Risklytics Coverage Lines Compared | Coverage Type | HUB International | Risklytics | | --- | --- | --- | | [Builders risk](https://thegeneralaverage.com/coverage/builders-risk) | Listed: HUB International arranges builders risk insurance. [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | Not listed | | [Business owner’s policy](https://thegeneralaverage.com/coverage/business-owners-policy) | Listed: HUB International arranges business owner’s policies for small and midsized businesses. [18](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") | Not listed | | [Cargo and transit](https://thegeneralaverage.com/coverage/cargo-transit) | Listed: HUB International arranges cargo insurance. [28](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | Not listed | | [Commercial auto](https://thegeneralaverage.com/coverage/commercial-auto) | Listed: HUB International arranges commercial auto insurance. [20](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | Not listed | | [Commercial property](https://thegeneralaverage.com/coverage/commercial-property) | Listed: HUB International arranges commercial property insurance. [19](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") | Listed: Risklytics arranges commercial property insurance for robotics, hardware and AI businesses. [42](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | | [Crime](https://thegeneralaverage.com/coverage/crime) | Listed: HUB International arranges commercial crime insurance. [21](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | Not listed | | [Cyber liability](https://thegeneralaverage.com/coverage/cyber) | Listed: HUB International arranges cyber insurance. [13](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | Listed: Risklytics arranges cyber insurance for robotics, hardware and AI businesses. [42](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | | [Directors and officers](https://thegeneralaverage.com/coverage/directors-officers) | Listed: HUB International arranges directors and officers liability insurance. [12](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | Listed: Risklytics arranges directors and officers liability insurance for robotics, hardware and AI businesses. [42](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | | [Employee health and benefits](https://thegeneralaverage.com/coverage/employee-health-benefits) | Listed: HUB International arranges employee health and benefits programs. [30](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [1](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") | Not listed | | [Employment practices liability](https://thegeneralaverage.com/coverage/employment-practices) | Listed: HUB International arranges employment practices liability insurance. [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | Not listed | | [Equipment breakdown](https://thegeneralaverage.com/coverage/equipment-breakdown) | Listed: HUB International arranges equipment breakdown insurance. [29](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") | Not listed | | [Fidelity bonds](https://thegeneralaverage.com/coverage/fidelity-bonds) | Listed: HUB International arranges crime and fidelity coverage through its professional and executive risk practice. [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | Not listed | | [Fiduciary liability](https://thegeneralaverage.com/coverage/fiduciary) | Listed: HUB International arranges fiduciary liability insurance. [22](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | Not listed | | [General liability](https://thegeneralaverage.com/coverage/general-liability) | Listed: HUB International arranges general liability insurance. [11](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") | Listed: Risklytics arranges general liability insurance for robotics, hardware and AI businesses. [42](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | | [Hired and non-owned auto](https://thegeneralaverage.com/coverage/hired-non-owned-auto) | Listed: HUB International arranges hired and non-owned auto coverage through its commercial auto brokerage. [20](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | Not listed | | [Intellectual property](https://thegeneralaverage.com/coverage/intellectual-property) | Not listed | Listed: Risklytics arranges intellectual property insurance for robotics, hardware and AI businesses. [42](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | | [Key person](https://thegeneralaverage.com/coverage/key-person) | Listed: HUB International arranges key person life and disability insurance. [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | Not listed | | [Kidnap and ransom](https://thegeneralaverage.com/coverage/kidnap-ransom) | Listed: HUB International arranges kidnap and ransom insurance. [23](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | Not listed | | [Management liability](https://thegeneralaverage.com/coverage/management-liability) | Listed: HUB International arranges management liability insurance through its professional and executive risk practice. [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | Not listed | | [Medical malpractice](https://thegeneralaverage.com/coverage/medical-malpractice) | Listed: HUB International arranges medical professional liability insurance for health care professionals. [25](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") | Not listed | | [Product liability](https://thegeneralaverage.com/coverage/product-liability) | Listed: HUB International arranges product liability insurance. [27](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | Not listed | | [Product recall](https://thegeneralaverage.com/coverage/product-recall) | Listed: HUB International arranges product recall insurance. [27](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | Not listed | | [Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions) | Listed: HUB International arranges professional errors and omissions insurance. [14](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [15](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") | Not listed | | [Representations and warranties](https://thegeneralaverage.com/coverage/representations-warranties) | Listed: HUB International arranges representations and warranties insurance. [26](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") | Not listed | | [Surety bonds](https://thegeneralaverage.com/coverage/surety-bonds) | Listed: HUB International arranges surety bonds. [24](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") | Not listed | | [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) | Listed: HUB International arranges technology errors and omissions insurance. [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | Listed: Risklytics arranges technology errors and omissions insurance for robotics, hardware and AI businesses. [42](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | | [Tools, equipment and inland marine](https://thegeneralaverage.com/coverage/inland-marine) | Listed: HUB International arranges inland marine insurance through its marine practice. [28](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") | Listed: Risklytics arranges inland marine equipment coverage for robotics, hardware and AI businesses. [42](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | | [Trucking](https://thegeneralaverage.com/coverage/trucking) | Listed: HUB International arranges trucking insurance. [20](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | Not listed | | [Umbrella and excess liability](https://thegeneralaverage.com/coverage/umbrella-excess) | Listed: HUB International arranges umbrella and excess liability insurance. [27](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | Listed: Risklytics arranges umbrella insurance for robotics, hardware and AI businesses. [42](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | | [Virtual care and telehealth](https://thegeneralaverage.com/coverage/virtual-care-telehealth) | Listed: HUB International arranges virtual care insurance for health care organizations. [31](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") | Not listed | | [Workers’ compensation](https://thegeneralaverage.com/coverage/workers-compensation) | Listed: HUB International arranges workers’ compensation insurance. [17](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") | Listed: Risklytics arranges workers’ compensation insurance for robotics, hardware and AI businesses. [42](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") | 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. ## HUB International and Risklytics Coverage, Line by Line - [HUB International Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/commercial-property) - [Risklytics Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/risklytics/commercial-property) - [HUB International Cyber Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/cyber) - [Risklytics Cyber Insurance](https://thegeneralaverage.com/insurance-providers/risklytics/cyber) - [HUB International D&O Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/directors-officers) - [Risklytics D&O Insurance](https://thegeneralaverage.com/insurance-providers/risklytics/directors-officers) - [HUB International General Liability Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/general-liability) - [Risklytics General Liability Insurance](https://thegeneralaverage.com/insurance-providers/risklytics/general-liability) - [HUB International Inland Marine Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/inland-marine) - [Risklytics Inland Marine Insurance](https://thegeneralaverage.com/insurance-providers/risklytics/inland-marine) - [HUB International Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/technology-errors-omissions) - [Risklytics Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/risklytics/technology-errors-omissions) - [HUB International Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/umbrella-excess) - [Risklytics Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/risklytics/umbrella-excess) - [HUB International Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/workers-compensation) - [Risklytics Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/risklytics/workers-compensation) ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage. ## Key Differences Between HUB International and Risklytics ### Specialty Brokerage Versus Full-Service Brokerage Risklytics describes itself as a commercial insurance brokerage; its legal disclosures identify Risklytics, Inc., dba Risklytics Insurance Services, as the producer, not the insurer. [40](https://www.risklytics.ai/about/ "About Risklytics") [41](https://www.risklytics.ai/terms/ "Terms of Service") HUB likewise markets brokerage of insurer-issued policies through licensed subsidiaries. [4](https://www.hubinternational.com/about-us/ "About Us") [5](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") Risklytics publishes agency license identifiers and a state table that does not include California on the reviewed about page. HUB’s California Department of Insurance lookup for its retail producer was not independently completed. A specialty website is not a completed license search. [40](https://www.risklytics.ai/about/ "About Risklytics") [49](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch "Business Name Search") [38](https://cdicloud.insurance.ca.gov/cal "California Department of Insurance License Status Inquiry") ### Application Drafting Risklytics says it prepares the application from your business description and website for your review. [39](https://www.risklytics.ai/ "Insurance for Frontier Tech") HUB asks you to contact a broker or use Insureon; it does not publish the same “we draft from your website” workflow. [8](https://www.hubinternational.com/contact-us/ "Contact Us") ### Wording Review for AI Risklytics says it reviews technology E&O wording for AI exclusions before binding. [46](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) insurance") HUB lists professional liability and technology E&O without a published AI-exclusion markup service matching Risklytics’ product page. If wording review is why you called Risklytics, ask HUB what redline it will provide. [15](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") ### Fees Risklytics publishes pricing-page fees. HUB publishes commissions and contingents without a public specialty-broker fee. [43](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [7](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") ## What Should You Confirm in HUB International and Risklytics Quotes? - **Producer license in California** for both firms before relying on either website. [41](https://www.risklytics.ai/terms/ "Terms of Service") [35](https://www.insureon.com/legal/licenses "Insurance Licenses by State") - **Marked-up E&O specimen** showing AI, IP and space/specialty terms if those are in Risklytics’ catalogue. [47](https://www.risklytics.ai/lines/intellectual-property/ "Intellectual Property insurance, explained") - **Whether HUB retail or Insureon** would even handle a wording-heavy E&O risk. [8](https://www.hubinternational.com/contact-us/ "Contact Us") ## HUB International vs Risklytics Services Compared What each provider documents about the services you may need. | Criteria | HUB International | Risklytics | | --- | --- | --- | | Business 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. [4](https://www.hubinternational.com/about-us/ "About Us") [5](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [9](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") (Evidence: Company-reported; scope: Brand and parent identity as of 16 September 2026. Does not identify which subsidiary would appear on a California producer license or policy declarations.; verified: 2026-09-16.)

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](https://www.hubinternational.com/about-us/ "About Us") [34](https://www.insureon.com/about-us "About Insureon") [35](https://www.insureon.com/legal/licenses "Insurance Licenses by State") [36](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon "Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon") [37](https://www.techinsurance.com/about-us "About Us | TechInsurance") (Evidence: Company-reported; scope: Corporate-affiliation statements. Does not establish that every HUB office places business through Insureon, or that TechInsurance is a distinct California producer.; verified: 2026-09-16.) | Risklytics arranges commercial insurance for frontier-technology businesses; its disclosures identify Risklytics, Inc. dba Risklytics Insurance Services as producer, not insurer. [40](https://www.risklytics.ai/about/ "About Risklytics") [41](https://www.risklytics.ai/terms/ "Terms of Service") (Evidence: Company-reported; scope: Company legal disclosures, including live terms section 2. Producer authority is company-reported, not regulator-verified.; verified: 2026-09-16.) | | Application process | 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](https://www.hubinternational.com/contact-us/ "Contact Us") [11](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [12](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [13](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [6](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.) | 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. [39](https://www.risklytics.ai/ "Insurance for Frontier Tech") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.)

Risklytics says it reviews your application, approaches insurers and explains quote wording; the insurer binds only after you accept, and timing varies by risk. [44](https://www.risklytics.ai/faq/ "Questions founders ask") (Evidence: Company-reported; scope: FAQ process description only; no application, quote or binding transaction performed.; verified: 2026-09-16.) | | Coverage lines | 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](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") [11](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [19](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [17](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [18](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") [20](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [13](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [12](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [14](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [15](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [21](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [22](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [23](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [24](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [25](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") [28](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [29](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") [26](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [27](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [30](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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.; verified: 2026-09-16.)

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. [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: 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.; verified: 2026-09-16.) | 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. [42](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") (Evidence: Company-reported; scope: 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.; verified: 2026-09-16.)

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. [46](https://www.risklytics.ai/lines/professional/ "Professional Liability (Tech E&O) insurance") (Evidence: Company-reported; scope: Current official service description; not independently tested or a policy entitlement.; verified: 2026-09-16.)

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](https://www.risklytics.ai/lines/intellectual-property/ "Intellectual Property insurance, explained") [48](https://www.risklytics.ai/lines/space/ "Space insurance, explained") [42](https://www.risklytics.ai/markets/ "For insurers and wholesale markets") (Evidence: Company-reported; scope: Specialty categories confirmed by direct placement catalogue; product-page examples are explanatory, not guaranteed insuring agreements.; verified: 2026-09-16.) | | Availability | 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](https://www.hubinternational.com/about-us/ "About Us") [3](https://www.hubinternational.com/offices/us/california/ "California Insurance Brokers") [1](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") [2](https://www.hubinternational.com/offices/us/california/san-francisco-44-montgomery-street/ "HUB International San Francisco 44 Montgomery Street") (Evidence: Company-reported; scope: Company-reported footprint and office directory. No 50-state product map was found on the reviewed HUB pages.; verified: 2026-09-16.)

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](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [1](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") [35](https://www.insureon.com/legal/licenses "Insurance Licenses by State") [38](https://cdicloud.insurance.ca.gov/cal "California Department of Insurance License Status Inquiry") (Evidence: Not found in reviewed sources; scope: Reviewed 16 September 2026. Interactive CDI search was not used to produce a screenshot or official abstract. No license number is independently verified here.; verified: 2026-09-16.) | 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. [40](https://www.risklytics.ai/about/ "About Risklytics") (Evidence: Company-reported; scope: About page attributes its table to NIPR; no NIPR producer report or regulator-issued record was obtained.; verified: 2026-09-16.)

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](https://www.risklytics.ai/about/ "About Risklytics") [41](https://www.risklytics.ai/terms/ "Terms of Service") [49](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch "Business Name Search") (Evidence: Not found in reviewed sources; scope: 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.; verified: 2026-09-16.) | | Fees and compensation | 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. [7](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") (Evidence: Company-reported; scope: Firmwide compensation disclosure. Amounts for a given account are not disclosed on the public page.; verified: 2026-09-16.) | 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](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [41](https://www.risklytics.ai/terms/ "Terms of Service") (Evidence: Company-reported; scope: Retail pricing page and terms section 9; no total-cost comparison with direct purchase or other brokers is supported.; verified: 2026-09-16.) | ## Provider Profiles for HUB International and Risklytics - [What Is HUB International?](https://thegeneralaverage.com/insurance-providers/hub-international) - [What Is Risklytics Insurance?](https://thegeneralaverage.com/insurance-providers/risklytics) ## Comparisons Related to HUB International vs Risklytics - [AIG vs HUB International](https://thegeneralaverage.com/compare/aig-vs-hub-international) - [AIG vs Risklytics](https://thegeneralaverage.com/compare/aig-vs-risklytics) - [Alliance Risk vs HUB International](https://thegeneralaverage.com/compare/alliance-risk-vs-hub-international) - [Alliance Risk vs Risklytics](https://thegeneralaverage.com/compare/alliance-risk-vs-risklytics) - [Amelia Risk vs HUB International](https://thegeneralaverage.com/compare/amelia-risk-vs-hub-international) - [Amelia Risk vs Risklytics](https://thegeneralaverage.com/compare/amelia-risk-vs-risklytics) - [Aon vs HUB International](https://thegeneralaverage.com/compare/aon-vs-hub-international) - [Aon vs Risklytics](https://thegeneralaverage.com/compare/aon-vs-risklytics) - [Armilla vs HUB International](https://thegeneralaverage.com/compare/armilla-vs-hub-international) - [Armilla vs Risklytics](https://thegeneralaverage.com/compare/armilla-vs-risklytics) - [At-Bay vs HUB International](https://thegeneralaverage.com/compare/at-bay-vs-hub-international) - [At-Bay vs Risklytics](https://thegeneralaverage.com/compare/at-bay-vs-risklytics) - [The Baldwin Group vs HUB International](https://thegeneralaverage.com/compare/baldwin-vs-hub-international) - [The Baldwin Group vs Risklytics](https://thegeneralaverage.com/compare/baldwin-vs-risklytics) - [Beazley vs HUB International](https://thegeneralaverage.com/compare/beazley-vs-hub-international) - [Beazley vs Risklytics](https://thegeneralaverage.com/compare/beazley-vs-risklytics) - [Berkshire Hathaway Specialty Insurance vs HUB International](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-hub-international) - [Berkshire Hathaway Specialty Insurance vs Risklytics](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-risklytics) - [biBerk vs HUB International](https://thegeneralaverage.com/compare/biberk-vs-hub-international) - [biBerk vs Risklytics](https://thegeneralaverage.com/compare/biberk-vs-risklytics) - [CFC vs HUB International](https://thegeneralaverage.com/compare/cfc-vs-hub-international) - [CFC vs Risklytics](https://thegeneralaverage.com/compare/cfc-vs-risklytics) - [Chubb vs HUB International](https://thegeneralaverage.com/compare/chubb-vs-hub-international) - [Chubb vs Risklytics](https://thegeneralaverage.com/compare/chubb-vs-risklytics) - [CNA vs HUB International](https://thegeneralaverage.com/compare/cna-vs-hub-international) - [CNA vs Risklytics](https://thegeneralaverage.com/compare/cna-vs-risklytics) - [Coalition vs HUB International](https://thegeneralaverage.com/compare/coalition-vs-hub-international) - [Coalition vs Risklytics](https://thegeneralaverage.com/compare/coalition-vs-risklytics) - [Corgi vs HUB International](https://thegeneralaverage.com/compare/corgi-vs-hub-international) - [Corgi vs Risklytics](https://thegeneralaverage.com/compare/corgi-vs-risklytics) - [Coterie Insurance vs HUB International](https://thegeneralaverage.com/compare/coterie-vs-hub-international) - [Coterie Insurance vs Risklytics](https://thegeneralaverage.com/compare/coterie-vs-risklytics) - [Counterpart vs HUB International](https://thegeneralaverage.com/compare/counterpart-vs-hub-international) - [Counterpart vs Risklytics](https://thegeneralaverage.com/compare/counterpart-vs-risklytics) - [Coverdash vs HUB International](https://thegeneralaverage.com/compare/coverdash-vs-hub-international) - [Coverdash vs Risklytics](https://thegeneralaverage.com/compare/coverdash-vs-risklytics) - [Cowbell vs HUB International](https://thegeneralaverage.com/compare/cowbell-vs-hub-international) - [Cowbell vs Risklytics](https://thegeneralaverage.com/compare/cowbell-vs-risklytics) - [Embroker vs HUB International](https://thegeneralaverage.com/compare/embroker-vs-hub-international) - [Embroker vs Risklytics](https://thegeneralaverage.com/compare/embroker-vs-risklytics) ## Sources for HUB International vs Risklytics ### [HUB International Official Website](https://www.hubinternational.com) 1. [Insurance Broker San Francisco](https://www.hubinternational.com/offices/us/california/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](https://www.hubinternational.com/offices/us/california/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](https://www.hubinternational.com/offices/us/california/). HUB International; Introductory copy and listed California office directory including San Francisco locations. Accessed 2026-09-16. 4. [About Us](https://www.hubinternational.com/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](https://www.hubinternational.com/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](https://www.hubinternational.com/about-us/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](https://www.hubinternational.com/about-us/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](https://www.hubinternational.com/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](https://www.hubinternational.com/products/business-insurance/). HUB International; Essential coverage and beyond-the-basics product catalog. Accessed 2026-09-16. 10. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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](https://www.hubinternational.com/products/business-insurance/general-liability/). 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](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/). HUB International; Product page for private, nonprofit and public-company D&O brokerage. Accessed 2026-09-16. 13. [Cyber Insurance](https://www.hubinternational.com/products/business-insurance/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](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/). 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](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/). HUB International; Industries listed for E&O including technology, and statement that policies are customized. Accessed 2026-09-16. 16. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). 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](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/). 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](https://www.hubinternational.com/products/business-insurance/business-owners-policy/). 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](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/). 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](https://www.hubinternational.com/products/business-insurance/commercial-auto/). 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](https://www.hubinternational.com/products/business-insurance/crime-insurance/). HUB International; Crime/fraud coverage product page for private, public and not-for-profit organizations. Accessed 2026-09-16. 22. [Fiduciary Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/). HUB International; Fiduciary liability product page distinguishing it from D&O. Accessed 2026-09-16. 23. [Kidnap and Ransom Insurance Brokers](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/). 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](https://www.hubinternational.com/products/business-insurance/surety-bonds/). HUB International; Contract surety types including bid, performance and payment bonds. Accessed 2026-09-16. 25. [Medical Malpractice Insurance Brokers](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/). HUB International; Medical malpractice brokerage, including telemedicine-related risks. Accessed 2026-09-16. 26. [Mergers & Acquisitions (M&A) Insurance Broker](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/). HUB International; Representations and warranties, litigation buyout and tax indemnification insurance. Accessed 2026-09-16. 27. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). 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](https://www.hubinternational.com/products/business-insurance/marine-insurance/). 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](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/). 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](https://www.hubinternational.com/products/employee-benefits/). 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](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/). 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](https://www.hubinternational.com/products/risk-services/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)](https://www.hubinternational.com/products/risk-services/risk-management-information-system/). HUB International; RMIS claims administration, certificate tracking and carrier/TPA data aggregation. Accessed 2026-09-16. 34. [About Insureon](https://www.insureon.com/about-us). 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](https://www.insureon.com/legal/licenses). 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](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-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](https://www.techinsurance.com/about-us). 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](https://cdicloud.insurance.ca.gov/cal). California Department of Insurance; Public license-search portal landing page. Accessed 2026-09-16. ### [Risklytics Official Website](https://www.risklytics.ai/) 39. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16. 40. [About Risklytics](https://www.risklytics.ai/about/). Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16. 41. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16. 42. [For insurers and wholesale markets](https://www.risklytics.ai/markets/). Risklytics; Opening brokerage positioning for robotics, hardware and AI businesses; The lines we place; Applications that state the exposure; appetite form; footer producer identity. Accessed 2026-09-16. 43. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; What it costs; broker fee row; No published rates; commission disclosure on request. Accessed 2026-09-16. 44. [Questions founders ask](https://www.risklytics.ai/faq/). Risklytics; Cost and process: What do we pay a broker?; What happens after we submit an application? Accessed 2026-09-16. 45. [Contact a commercial insurance broker](https://www.risklytics.ai/contact/). Risklytics; Write to us; email response statement and contact form. Accessed 2026-09-16. 46. [Professional Liability (Tech E&O) insurance](https://www.risklytics.ai/lines/professional/). Risklytics; How hard to get; Common questions; general-description disclaimer. Accessed 2026-09-16. 47. [Intellectual Property insurance, explained](https://www.risklytics.ai/lines/intellectual-property/). Risklytics; Common questions; How hard to get; general-description disclaimer. Accessed 2026-09-16. 48. [Space insurance, explained](https://www.risklytics.ai/lines/space/). Risklytics; Built for moments like these; Common questions; general-description disclaimer. Accessed 2026-09-16. 49. [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch). California Department of Insurance; Agency-name search form; no license result returned. Accessed 2026-09-16. Updated 2026-09-25. 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](https://thegeneralaverage.com/editorial-policy). To suggest a correction, [email The General Average](mailto:thegeneralaverage@spot.insure) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/compare/hub-international-vs-risklytics.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://thegeneralaverage.com/llms.txt)