Embroker vs Hub International: Business Owner’s Policy

HUB International brokers BOPs and has you contact a HUB broker, with no online quote or self-serve bind described; Embroker gives an online quote and spells out exclusions such as cyberattacks and professional liability.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-09-25

Embroker fits a business with fewer than 100 employees and under $10 million in revenue that wants a BOP quote online, even from a home office. HUB fits a business that wants a broker to shape the package around its buildings, stock and trade.

What Are the Key Differences Between Embroker and HUB International Business Owner’s Policy?

Self-Serve Quote Versus a Broker Conversation

A five-person software firm run from a home office can get an Embroker BOP quote online without talking to anyone. HUB has no online quote on its BOP page; you contact a HUB broker, who adjusts the options to your line of business. That takes longer but suits a business with a building, inventory or fixtures to insure. Choose Embroker if you fit its size limits and want speed; choose HUB if you own property or have outgrown those limits. [1] [2]

What Is Left Out

Embroker is plain about its gaps: its BOP excludes cyberattacks, professional liability, employment claims and criminal acts, with optional professional liability, employment practices and property endorsements. HUB describes cover for buildings, equipment, stock, furniture and fixtures plus liability, and says it closes gaps between separate property and liability policies, but doesn't list exclusions. You know Embroker's gaps upfront; with HUB you have to ask. [1] [2]

What Should You Confirm in Embroker and HUB International Business Owner’s Policy Quotes?

  • Ask both which insurer issues the policy. [1] [2]
  • Ask HUB how its quote handles cyber, employment practices and professional liability. [2]
  • If you work from home, confirm Embroker's quote covers your home-office equipment. [1]
  • Ask both for business interruption terms, limits and deductibles; neither publishes them. [2] [1]

Provider coverage details

Embroker

  • role: Embroker packages its Business Owners Policy as a bundled product combining commercial property, general liability and business interruption coverage, sold through its own quote platform. Product-page description of the bundle; not a statement about the issuing insurer.company-reportedSource ↗
  • eligibility: Embroker targets its BOP at small businesses with fewer than 100 employees, less than $10 million in annual revenue and a physical location, including a home office. Product-page eligibility criteria; larger or higher-risk businesses may not qualify for a BOP at all.company-reportedSource ↗
  • coverage: The BOP covers commercial property damage or theft, third-party bodily injury and property damage claims, and business interruption loss of income. Product-page coverage summary; the issued policy and declarations control.company-reportedSource ↗
  • coverage: Embroker says the BOP does not cover cyberattacks and breaches, professional liabilities such as errors and omissions, employment-related claims, or criminal activity, and that workers' compensation and commercial auto usually must be bought separately. Product-page What's not included and FAQ sections.company-reportedSource ↗
  • coverage: Embroker says the BOP can take endorsements for professional liability, employment practices liability and commercial property add-ons such as spoiled merchandise or mechanical breakdown coverage, and can be packaged with separate cyber or workers' compensation policies. FAQ section; specific endorsement availability depends on underwriting.company-reportedSource ↗
  • application: Embroker offers an online quote for BOP coverage through its digital platform rather than a purely manual application. Product-page 'Quick quotes' feature description; no quote was requested during this research.company-reportedSource ↗
  • services: The reviewed BOP page does not describe line-specific risk-control or loss-prevention services beyond general references to the Embroker Resource Hub and chat support. Product page as read on 2026-09-23; broader broker-wide services may exist elsewhere.not-foundSource ↗

HUB International

  • role: HUB brokers business owners policies rather than underwriting them, placing a combined property-and-liability package with an insurer on the client's behalf. BOP product page as read 2026-09-23; the page does not name an issuing insurer.company-reportedSource ↗
  • coverage: 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. Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim.company-reportedSource ↗
  • 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. Product-page marketing copy; no specific risk-control service beyond broker consultation is described.company-reportedSource ↗
  • insurer: The BOP product page does not name an issuing insurer; HUB places BOP business with insurers that vary by client and placement. Checked the BOP product page on 2026-09-23; no carrier is disclosed there.not-foundSource ↗
  • limits: Published coverage limits, deductibles or premium ranges for HUB-placed BOPs were not found on the product page. Checked the BOP product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page.not-disclosedSource ↗
  • application: 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. Product-page call to action as read 2026-09-23.company-reportedSource ↗

Sources and records

  1. 01
    Business Owners Policy

    Embroker · Why it's essential; Who needs this coverage; What is a Business Owners Policy?; What's covered; What's not included; FAQ: Are there additional coverages available with BOP insurance?; Who benefits most from BOP insurance? · accessed 2026-09-23

  2. 02
    Business Owners Policy (BOP) Company Coverage

    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

  3. 03
    Business Interruption and Business Owner Policy

    National Association of Insurance Commissioners · Background; General liability, Commercial property and Business interruption bullets · accessed 2026-09-16

  4. 04
    Small Business

    National Association of Insurance Commissioners · FAQ: What’s a business owners policy?; What’s general liability insurance · accessed 2026-09-16

Use this comparison as a starting point for a discussion about your business and its insurance needs.

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