--- title: "Is HUB International Legit? Licensing, Carriers and Reliability" description: "This partial score shows how clearly HUB explains its services publicly, helping you ask which local team and insurer would handle your account." canonical: "https://thegeneralaverage.com/insurance-providers/hub-international/reliability" page-type: "reliability-article" updated-at: "2026-09-25" provider: "hub-international" content-type: "reliability" --- 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/reliability) ## Agent Guide **What this page is:** Spot's evidence-based reliability assessment of Is HUB International Legit? Licensing, Carriers and, scored per role (for example broker, carrier, managing general agent) with the regulatory and financial-strength evidence used. **Use this page when:** Cite this page to answer whether Is HUB International Legit? Licensing, Carriers and is reliable or financially sound. Scores apply to the assessed entity and role named on the page, not to every company under the brand. **Questions this page answers:** - Is Is HUB International Legit? Licensing, Carriers and reliable? - Is Is HUB International Legit? Licensing, Carriers and financially strong and properly licensed? - How was Is HUB International Legit? Licensing, Carriers and scored and why? **Key facts:** - Entity: Is HUB International Legit? Licensing, Carriers and (provider slug `hub-international`). - Each role is scored against its own rubric; scores are never comparable across rubrics. **Limits (do not over-claim):** - A Reliability Score is a research assessment, not a rating agency grade, guarantee of claims payment or recommendation. - Where the page says an assessment is unavailable or partial, no score should be inferred. - The scored entity may differ from the brand name; read the assessed-entity line before quoting a score. **Provenance:** Based on regulatory filings and public financial disclosures cited on the page; updated 2026-09-25. Methodology at /reliability-score. **Related pages:** - [Provider reliability directory](https://thegeneralaverage.com/insurance-reliability) — parent hub - [How the Reliability Score works](https://thegeneralaverage.com/reliability-score) — methodology: rubric, weights, evidence rules - [Is HUB International Legit? Licensing, Carriers and profile](https://thegeneralaverage.com/insurance-providers/hub-international) — same provider: provider profile: products, coverage lines and sources - [Is HUB International Legit? Licensing, Carriers and reviews](https://thegeneralaverage.com/insurance-providers/hub-international/reviews) — same provider: customer review evidence and Reliability Score - [Is HUB International Legit? Licensing, Carriers and alternatives](https://thegeneralaverage.com/insurance-providers/hub-international/alternatives) — same provider: closest alternative providers # Is HUB International Legit? Licensing, Carriers and Reliability This partial score shows how clearly HUB explains its services publicly, helping you ask which local team and insurer would handle your account. ## HUB International Reliability Scores for 2026 - **Role:** Broker - **Scope:** HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages. **Assessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages.** This partial Broker Reliability Score covers disclosure clarity within the stated scope. It uses 15% of the rubric’s factor weighting, normalized to a ten-point scale. The excluded factors remain unknown, and evidence for one program does not describe another. - **Broker Reliability Score:** **5.5/10** - **Subject:** Assessed provider: HUB International. Scope: HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages. - **Role:** Broker - **Scope:** HUB International Limited and relevant U.S. subsidiaries as a commercial insurance broker and consulting group for U.S. technology and middle-market property-casualty placements; no specific HUB office, producer entity or policy issuer is assigned from group-level pages. - **Assessed:** 2026-09-22 - **Review due:** 2026-10-22 - **Factor basis:** Partial score; **15%** of this role’s weighting included. Included: Disclosure Clarity. Excluded: 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.. - **Methodology:** [How we calculate the Reliability Score](https://thegeneralaverage.com/reliability-score) - **Provider profile:** [HUB International](https://thegeneralaverage.com/insurance-providers/hub-international) ## What Our Research Found About HUB International ### HUB International Legal Identity HUB International Limited presents the HUB brand as a broker and financial-services group. Its terms refer to subsidiaries licensed as brokers or agents in various jurisdictions, but do not identify the entity appointed for a particular client or office. [About Us](https://www.hubinternational.com/about-us/), [Terms and Conditions](https://www.hubinternational.com/about-us/terms-and-conditions/) ### HUB International Licensing HUB's terms provide a general licensing statement, not a complete current state license, line, appointment or responsible-producer inventory. Current authority for a specific HUB engagement is not independently established from the reviewed group pages. [Terms and Conditions](https://www.hubinternational.com/about-us/terms-and-conditions/), [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch) ### HUB International Financial Strength As a broker, HUB continuity evidence concerns its operating group and placement controls, not insurer policyholder surplus. The reviewed public pages do not disclose audited entity financials, and references to strategic or highly rated carriers are not HUB or quote-specific financial evidence. [About Us](https://www.hubinternational.com/about-us/), [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/), [How We Get Paid](https://www.hubinternational.com/about-us/how-we-get-paid/) ### HUB International Risk Bearing HUB's technology and commercial pages describe arranging property-casualty, technology, cyber, management and employee-benefit solutions through carrier markets. The quote and policy must identify the risk-bearing company; HUB is not treated as the policy issuer. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/), [How We Get Paid](https://www.hubinternational.com/about-us/how-we-get-paid/) Texas names a HUB entity and its carriers, though not the group and not a buyer’s producer. The register lists HUB INTERNATIONAL MIDWEST LIMITED, NPN 1499533, with General Lines Agency licence 15380, Surplus Lines Agency licence 1436490 and Managing General Agency licence 2068221 all Active, and 433 active appointments among 524 companies. That is one U.S. subsidiary in one state; the reviewed material still does not identify which HUB entity would be the producer for a given engagement, so the panel cannot be attached to a specific placement. [Texas Firm Consumer Inquiry - HUB INTERNATIONAL MIDWEST LIMITED](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y), [Terms and Conditions](https://www.hubinternational.com/about-us/terms-and-conditions/) HUB describes the rest of its carrier network in its compensation disclosure and names none of it. That page says HUB has access to the products and services of hundreds of insurers, that it concentrates placements on “a manageable number of carrier relationships” it calls the “Strategic Carriers” — described only as many of the most respected national and regional insurance companies — and that those carriers may pay enhanced compensation, part of which may be used to incentivize employees to prioritize their products. The economic interest is disclosed; the identities, the share of business and the terms are not, and one subsidiary’s Texas register does not fill that gap. [How We Get Paid](https://www.hubinternational.com/about-us/how-we-get-paid/), [Texas Firm Consumer Inquiry - HUB INTERNATIONAL MIDWEST LIMITED](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) ### HUB International Claims Service HUB markets local account teams, claims advocacy, TPA selection, coverage-dispute support and litigation-management support. These are broker service descriptions; the insurer remains responsible for coverage decisions and payment. [Claims Management](https://www.hubinternational.com/products/business-insurance/claims-management/) ### HUB International Regulatory Record Current authority for a specific HUB entity is not independently established, and no completed five-year conduct result is available for HUB or relevant subsidiaries. This is not a clean-record or universal-authority finding. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch), [Terms and Conditions](https://www.hubinternational.com/about-us/terms-and-conditions/) ## HUB International Licenses and Authority Records No license records are included in this assessment. ## Regulator Searches for HUB International | Jurisdiction | Result | Notes | Sources | | --- | --- | --- | --- | | CA | inaccessible | Current authority for a specific HUB entity is not independently established from the California regulator route; this is not a no-license or clean-record finding. | [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch) | ## HUB International Reliability Scores by Factor ### HUB International Broker Reliability Score Included weighting: **15%** of the original dimensions. Contributions are normalized over included weighting. Excluded factors: - **Identity and Authority:** Current authority and applicable appointments or delegations have not been independently established across the assessed scope. [About Us](https://www.hubinternational.com/about-us/), [Terms and Conditions](https://www.hubinternational.com/about-us/terms-and-conditions/), [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch) - **Carrier-Network Strength:** The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/), [How We Get Paid](https://www.hubinternational.com/about-us/how-we-get-paid/) - **Regulatory Conduct:** A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch), [Terms and Conditions](https://www.hubinternational.com/about-us/terms-and-conditions/) | Dimension | Score (0–4) | Weight | Contribution (/10) | Sources | | --- | ---: | ---: | ---: | --- | | Disclosure Clarity | 2.18 | 15% | 5.45 | [About Us](https://www.hubinternational.com/about-us/), [Terms and Conditions](https://www.hubinternational.com/about-us/terms-and-conditions/), [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch), [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/), [How We Get Paid](https://www.hubinternational.com/about-us/how-we-get-paid/), [Claims Management](https://www.hubinternational.com/products/business-insurance/claims-management/) | ## What We Couldn’t Confirm About HUB International - The legal producer entity and appointment for a specific HUB office or engagement remain unresolved. - Complete current state licenses, lines and surplus-lines authority were not independently matched. - No exact insurer or carrier financial-strength evidence was collected for a named placement. - No completed five-year conduct result is available. - Compensation is disclosed by category, but account-specific rates and fees are not public. - The Texas appointments belong to HUB International Midwest Limited; the reviewed material does not establish which HUB entity is the producer for a given engagement, so that panel cannot be attached to a buyer’s placement. - HUB’s “Strategic Carriers” are described but never named, so neither their identity, the share of HUB placements they carry, nor the enhanced-compensation terms attached to them can be assessed. - Appointment evidence was retrieved in Texas only; no Pennsylvania record was returned for a HUB entity and no other state register was checked. ## Insurance Terms Related to HUB International - [What Is an Insurance Broker?](https://thegeneralaverage.com/insurance-glossary/insurance-broker) - [What Is an Insurance Producer License?](https://thegeneralaverage.com/insurance-glossary/insurance-producer-license) - [What Is a National Producer Number?](https://thegeneralaverage.com/insurance-glossary/national-producer-number) - [What Is an AM Best Rating?](https://thegeneralaverage.com/insurance-glossary/am-best-rating) ## Sources for HUB International Reliability Research - [About Us](https://www.hubinternational.com/about-us/) — HUB International; Group footprint, offices, acquisition history and broker/consulting description; accessed 2026-09-21. - [Terms and Conditions](https://www.hubinternational.com/about-us/terms-and-conditions/) — HUB International; Subsidiary licensing and intermediary terms; accessed 2026-09-21. - [How We Get Paid](https://www.hubinternational.com/about-us/how-we-get-paid/) — HUB International; Commission, contingent income, fees, strategic-carrier and affiliate/wholesale compensation; accessed 2026-09-22. - [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/) — HUB International; Technology-company coverage and service scope; accessed 2026-09-22. - [Claims Management](https://www.hubinternational.com/products/business-insurance/claims-management/) — HUB International; Claims advocacy, TPA, disputes and claims-service description; accessed 2026-09-21. - [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch) — California Department of Insurance; California producer-license route for a HUB entity; current authority not independently established; accessed 2026-09-21. - [Texas Firm Consumer Inquiry - HUB INTERNATIONAL MIDWEST LIMITED](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y) — Sircon/Texas insurance licensing lookup; Firm Consumer Inquiry for the State of Texas, retrieved 22 September 2026: licensee HUB INTERNATIONAL MIDWEST LIMITED, NPN 1499533. Licences: Surplus Lines Agency licence 1436490, Status Active, original issue 03-16-2007, effective 03-16-2007, expiration 02-17-2027; Managing General Agency licence 2068221, Status Active, original issue 02-17-2016, effective 02-17-2016, expiration 02-17-2027; General Lines Agency licence 15380, Status Active, original issue 12-12-2002, effective 12-12-2002, expiration 02-17-2027. Qualifications: MGA - Property and Casualty Active (effective 02-17-2016); Property and Casualty Active (effective 12-12-2002); Life, Acc., Health & HMO Active (effective 12-12-2002). Affiliations/Appointments lists 524 companies, 433 of them with an Active appointment row. Active appointments include 4 EVER LIFE INSURANCE COMPANY, 5 Star Life Insurance Company, Ace American Insurance Company, Ace Fire Underwriters Insurance Company, Ace Property and Casualty Insurance Company, ACUITY, A MUTUAL INSURANCE COMPANY, Addison Insurance Company, Aetna Dental Inc., Aetna Health Inc., Aetna Health Insurance Company, Aetna Life Insurance Company, Affiliated FM Insurance Company, AGCS Marine Insurance Company, AIG PROPERTY CASUALTY COMPANY and 419 more listed on the page.; accessed 2026-09-22. ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/insurance-providers/hub-international/reliability.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)