CNA vs Hub International: General Liability Insurance

HUB International brokers general liability and says how much coverage a business needs varies with its type and location. CNA describes GL for smaller, mid-sized and large firms with industry-specific underwriting and claims professionals.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-10-01

Provider coverage details

CNA

  • coverage: CNA Commercial General Liability addresses amounts a business may owe third parties for covered bodily injury or property damage. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • eligibility: CNA identifies GL solutions for smaller companies, mid-sized firms and large firms. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • services: CNA describes industry-specific underwriting/risk-control support and claims professionals for the GL line. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗

HUB International

  • role: HUB brokers commercial general liability coverage rather than underwriting it itself, placing the policy with an insurer on the client's behalf. General liability product page as read on 2026-09-23; the page does not name an issuing insurer.company-reportedSource ↗
  • coverage: HUB says general liability policies it arranges typically respond to bodily injury to customers, employees, vendors or visitors on the client's premises, personal injury from an employee's negligence or actions, property damage caused by employees, and advertising injury such as slander or false advertising claims. Product-page description of typical coverage scenarios; the issued policy and its exclusions control what a specific claim triggers.company-reportedSource ↗
  • application: HUB says the amount of general liability coverage a business needs depends on factors such as the type of business and its location, and directs prospects to contact a HUB broker to get started. Product-page copy; no online quote or bind flow is described.company-reportedSource ↗
  • insurer: The general liability product page does not name an issuing insurer; HUB places general liability business with insurers that vary by client and placement. Checked the general liability product page on 2026-09-23; no carrier is disclosed there.not-foundSource ↗
  • limits: Published per-occurrence or aggregate limits, deductibles or retentions for HUB-placed general liability policies were not found on the product page. Checked the general liability product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page.not-disclosedSource ↗
  • services: The general liability product page does not describe line-specific risk-control or safety services; it only lists related products such as business interruption, D&O, EPL and workers' compensation insurance. Checked the general liability product page on 2026-09-23.not-foundSource ↗

What Are the Key Differences Between CNA and HUB International General Liability Insurance?

Eligibility and Buying Route

HUB brokers GL with an insurer and describes bodily injury, personal injury, employee-caused property damage and advertising injury scenarios. CNA describes GL for multiple company sizes with industry-specific underwriting and claims professionals. [3] [2] The distinction is broker placement against CNA’s insurer-side resources. [2]

Limits and Business Exposures

HUB says coverage amounts depend on business type and location and directs prospects to a broker. CNA’s summary states no standard GL limit but describes size-based solutions. [3] [2] Buyers should compare the actual limit, not infer it from the carrier or broker description. [2]

What Should You Confirm in CNA and HUB International General Liability Insurance Quotes?

  • Ask HUB which insurer and limit it recommends for your operations and locations. [3]

  • Ask CNA for its offered limits and segment fit. [2]

  • Ask HUB which carrier and limits it would recommend for each business location. [3]

HUB brokers GL with an insurer and describes bodily injury, personal injury, employee-caused property damage and advertising injury scenarios. CNA describes GL for multiple company sizes with industry-specific underwriting and claims professionals. The distinction is broker placement against CNA’s insurer-side resources.

Sources and records

  1. 01
    Commercial Insurance Guide

    California Department of Insurance · Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? · accessed 2026-09-16

  2. 02
    Commercial General Liability Insurance | CNA Insurance

    CNA · Commercial General Liability; customer sizes, coverage, teams · accessed 2026-09-28

  3. 03
    General Liability Insurance Brokers

    HUB International · What's typically covered: bodily injuries, personal injuries, property damage, advertising injury; coverage-amount factors; related coverage links; Contact a HUB broker call to action · accessed 2026-09-23

  4. 04
    Commercial general liability insurance

    Insurance Information Institute · Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance · accessed 2026-09-16

  5. 05
    Commercial General Liability Coverage Form

    ISO; specimen hosted by Hiscox · I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12 · 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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