What Are the Key Differences Between biBerk and HUB International General Liability Insurance?
On-premises injury: HUB’s claimant list and biBerk’s customer example
HUB says policies it arranges typically respond to bodily injury to customers, employees, vendors, or visitors on the client’s premises. biBerk names a customer injured on business premises. For an office or storefront, both sources identify the customer-on-site scenario, while HUB additionally names other claimant groups. That difference in listed examples does not show that biBerk excludes those people; compare the proposed forms for the same claimant and facts. [3] [1]
Evidence hold: employee-caused property damage has no matching detail
HUB also describes property damage caused by employees. biBerk’s claim says third-party property-damage claims generally but does not name employee causation or its treatment. The records therefore do not establish a second substantive, like-for-like term; broader claimant examples and an unspecified property category cannot fill that gap. This pair remains held pending affirmative biBerk wording for a matched property scenario. [3] [1]