Hub International vs Techinsurance: Business Owner’s Policy

HUB International is a broker with an advisor tailoring the BOP and no online quote described; TechInsurance reports a median cost of $83 a month and takes a single online application.

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

TechInsurance is the quicker, more transparent route for small, low-risk businesses: one online application, a same-day certificate and a reported median of $83 a month. HUB works only through a broker and publishes neither eligibility screens nor prices.

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

Whether You Fit TechInsurance’s Screens

TechInsurance says businesses usually qualify with fewer than 100 employees, a low-risk industry, under $1 million in yearly revenue and a small commercial space. Fit those and you can apply online, have agents add endorsements and usually get a certificate the day you buy. HUB publishes no screens; you contact a broker, who fine-tunes the package for your line of business. Choose TechInsurance if you meet its screens and want coverage today; choose HUB if you are larger, higher-risk or want an advisor to build the package. [4] [1]

What Is Spelled Out

TechInsurance covers property, third-party accidents, copyright and defamation claims, theft, vandalism and product liability, and excludes employee injuries, cyberattacks, vehicles and, without an endorsement, natural-disaster damage. HUB describes buildings, equipment, stock, furniture and fixtures plus liability for injuries or damage you cause, and doesn’t list exclusions. With HUB you learn the gaps from the quote, not beforehand. [4] [1]

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

  • Treat TechInsurance’s $83 median as its customers’ figure, not your rate. [4]
  • Ask both which insurer issues the policy. [4] [1]
  • Ask HUB for the exclusion list and any product-liability limits. [1]
  • Ask TechInsurance whether you need the natural-disaster endorsement. [4]

Provider coverage details

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 ↗

TechInsurance

  • role: TechInsurance arranges a business owner's policy (BOP) as a bundle of general liability and commercial property insurance sold at a discount versus buying the two policies separately, according to the company. Business owner's policy product page.company-reportedSource ↗
  • insurer: The reviewed page does not name the issuing insurer for a BOP. Business owner's policy product page as read on 2026-09-23.not-disclosedSource ↗
  • coverage: TechInsurance says a BOP covers property damage and business personal property, common third-party accidents (general liability), copyright infringement and defamation claims, theft and vandalism, and product liability claims, but excludes employee injuries, cyberattacks, business vehicles and (without an endorsement) natural-disaster property damage. Business owner's policy product page; general policy description, not a specific policy form.company-reportedSource ↗
  • eligibility: TechInsurance says small businesses typically qualify for BOP savings if they have fewer than 100 employees, operate in a low-risk industry, earn less than $1 million in yearly revenue, and use a small commercial space. Business owner's policy product page, Eligibility requirements for a BOP section.company-reportedSource ↗
  • limits: TechInsurance says its BOP policyholders pay a median of $83 per month, or about $990 a year, with the exact cost depending on business property value, profession risk, policy limits and deductible, location, employee count and claims history. Business owner's policy product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.company-reportedSource ↗
  • application: You request BOP quotes online through a single application; TechInsurance says licensed agents can help tailor the policy with endorsements, and a certificate of insurance is typically available the same day you buy coverage. Business owner's policy product page.company-reportedSource ↗

Sources and records

  1. 01
    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

  2. 02
    Business Interruption and Business Owner Policy

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

  3. 03
    Small Business

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

  4. 04
    Business Owner's Policy (BOP) Insurance – Compare Quotes

    TechInsurance · Why do you need a business owner's policy?; Eligibility requirements for a BOP; What is covered under a business owner's policy?; How much does a business owner's policy cost?; What is the difference between general liability insurance and a BOP? · accessed 2026-09-23

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

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