--- title: "HUB International Business Owner’s Policy" description: "HUB International brokers business owner's policies, combining building and business-property insurance with business liability coverage in one package." canonical: "https://thegeneralaverage.com/insurance-providers/hub-international/business-owners-policy" page-type: "offering-page" updated-at: "2026-09-23" provider: "hub-international" coverage-line: "business-owners-policy" --- 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/insurance-providers/hub-international/business-owners-policy) ## Agent Guide **What this page is:** What HUB International Business Owner’s Policy covers, who it fits and what to confirm before buying, drawn from the provider's public documents. **Use this page when:** Cite this page for HUB International Business Owner’s Policy specifically. For the general coverage explainer use /coverage/business-owners-policy; for the provider overall use its profile. **Questions this page answers:** - Does HUB International Business Owner’s Policy offer this coverage? - What does HUB International Business Owner’s Policy cover and exclude? - Who is HUB International Business Owner’s Policy designed for? **Key facts:** - Provider slug `hub-international`; coverage line `business-owners-policy`. - Start with the Quick Answer; the at-a-glance table shows which topics the sources document. Facts are grouped by topic under their own headings, and what the sources do not disclose is listed in its own section. **Limits (do not over-claim):** - Summarises public product descriptions; actual coverage is defined by the issued policy wording and endorsements. - Availability varies by state, industry and underwriting. - Not insurance, legal or financial advice, and not a quote, binder or offer of coverage. - Eligibility, pricing, limits, exclusions and policy wording depend on the issuing insurer and the buyer's risk; confirm them with the provider before buying. **Provenance:** Based on the dated public sources listed under Sources on the page; updated 2026-09-23. **Related pages:** - [Provider profile](https://thegeneralaverage.com/insurance-providers/hub-international) — parent: provider profile # What Does Business Owner’s Policy from HUB International Cover? Product: HUB International Business Owners Policy Brokerage. Provider: HUB International. Coverage line: Business Owner’s Policy. ## Quick Answer HUB International brokers business owner's policies, combining building and business-property insurance with business liability coverage in one package. [1](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") ## HUB International Business Owner’s Policy at a Glance | Topic | Evidence | Claims | | --- | --- | --- | | Role in This Line | Company-reported | 1 | | Issuing Insurer | Not found in reviewed sources | 1 | | Coverage Features | Company-reported | 1 | | Limits and Retentions | Not publicly disclosed | 1 | | Risk Services | Company-reported | 1 | | How to Apply | Company-reported | 1 | ## What Is HUB International’s Role in Business Owner’s Policy? - HUB brokers business owners policies rather than underwriting them, placing a combined property-and-liability package with an insurer on the client's behalf. [1](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: BOP product page as read 2026-09-23; the page does not name an issuing insurer.) ## Coverage Features of HUB International Business Owner’s Policy - HUB describes its BOP as combining building and business-property insurance, which repairs or replaces damaged buildings, equipment, stock, furniture or fixtures, with business liability insurance for injury or property-damage claims caused by the business or its employees. [1](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim.) ## HUB International Business Owner’s Policy Risk Services - HUB says an advisor works with the client to fine-tune the BOP with options that fit the client's line of business, and positions the policy as a way to eliminate coverage gaps between separate property and liability policies. [1](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: Product-page marketing copy; no specific risk-control service beyond broker consultation is described.) ## How Do You Apply for HUB International Business Owner’s Policy? - HUB directs prospects to contact a HUB broker to get started on a BOP; no online quote or self-serve bind flow is described on the page. [1](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23.) ## What We Couldn’t Find About HUB International Business Owner’s Policy The reviewed sources do not settle these. Confirm them with HUB International or a broker before relying on them. - **Issuing Insurer (Not found in reviewed sources):** The BOP product page does not name an issuing insurer; HUB places BOP business with insurers that vary by client and placement. [1](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Scope: Checked the BOP product page on 2026-09-23; no carrier is disclosed there.) - **Limits and Retentions (Not publicly disclosed):** Published coverage limits, deductibles or premium ranges for HUB-placed BOPs were not found on the product page. [1](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Scope: Checked the BOP product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page.) ## HUB International vs Other Business Owner’s Policy Providers - [HUB International vs Alliance Risk](https://thegeneralaverage.com/compare/alliance-risk-vs-hub-international) - [HUB International vs Amelia Risk](https://thegeneralaverage.com/compare/amelia-risk-vs-hub-international) - [HUB International vs biBerk](https://thegeneralaverage.com/compare/biberk-vs-hub-international) - [HUB International vs Chubb](https://thegeneralaverage.com/compare/chubb-vs-hub-international) - [HUB International vs CNA](https://thegeneralaverage.com/compare/cna-vs-hub-international) - [HUB International vs Corgi](https://thegeneralaverage.com/compare/corgi-vs-hub-international) ## Other Coverage Lines From HUB International - [HUB International Builders Risk Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/builders-risk) - [HUB International Cargo and Transit Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/cargo-transit) - [HUB International Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/commercial-auto) - [HUB International Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/commercial-property) - [HUB International Crime Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/crime) - [HUB International Cyber Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/cyber) - [HUB International D&O Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/directors-officers) - [HUB International Employee Health Benefits](https://thegeneralaverage.com/insurance-providers/hub-international/employee-health-benefits) - [HUB International Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/employment-practices) - 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[HUB International Telehealth Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/virtual-care-telehealth) - [HUB International Trucking Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/trucking) - [HUB International Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/umbrella-excess) - [HUB International Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/hub-international/workers-compensation) ## Related Reading - [HUB International Profile](https://thegeneralaverage.com/insurance-providers/hub-international) - [HUB International Reliability](https://thegeneralaverage.com/insurance-providers/hub-international/reliability) - [HUB International Alternatives](https://thegeneralaverage.com/insurance-providers/hub-international/alternatives) - [Coverage Guide: Business owner’s policy](https://thegeneralaverage.com/coverage/business-owners-policy) ## Sources for HUB International Business Owner’s Policy 1. [Business Owners Policy (BOP) Company Coverage](https://www.hubinternational.com/products/business-insurance/business-owners-policy/). HUB International; BOP definition: combination of business property and liability protection for small and mid-size businesses; building and business property insurance section; business liability insurance section; related products; Connect With a Broker. Accessed 2026-09-23. ## How to Cite This Page HUB International Business Owner’s Policy: Coverage & Application (2026). The General Average, updated 2026-09-23. https://thegeneralaverage.com/insurance-providers/hub-international/business-owners-policy. Quote the claim with its numbered source; the issued policy wording, not this page, defines coverage. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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/insurance-providers/hub-international/business-owners-policy.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)