Counterpart vs Hub International: General Liability Insurance

HUB International says how much GL coverage a business needs varies with its type and location, and places the policy with an insurer as a broker. Counterpart's GL is packaged with professional liability for law and miscellaneous professional firms.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-09-30

HUB describes common commercial GL scenarios and placement-specific limits; Counterpart offers companion coverage for specified professional firms.

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
    How can I get insurance through Counterpart?

    Counterpart Knowledge Center · Retained source: article describes wholesale-broker referral route; prior access 2026-09-28. · accessed 2026-09-28

  3. 03
    Counterpart | Agentic Insurance™

    Counterpart, Inc. · Retained provider source: footer states insurance products are offered by Counterpart Insurance Services, Inc., described as a licensed producer and surplus-lines broker; product/state availability varies, issuer not mapped by product/state. Prior access 2026-09-29. · accessed 2026-09-29

  4. 04
    Lawyers Professional Liability Insurance

    Counterpart, Inc. · Reopened 2026-09-30: page lines 4–8 names lawyer-focused product; lines 236–272 company-stated geographic reach, modular liability limit examples, professional services, technology/media extensions and GL alongside professional cover. Product terms remain policy-specific. · accessed 2026-09-30

  5. 05
    Professional & General Liability

    Counterpart, Inc. · Reopened 2026-09-30: page lines 4–8 says MPL may be purchased alone or packaged with GL; lines 208–245 describe industries and coverage examples; lines 251–283 describe risk assessment, quoting channels and underwriter access. Marketing page, not binding terms. · accessed 2026-09-30

  6. 06
    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

  7. 07
    Commercial general liability insurance

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

  8. 08
    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

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

What the Published Scope Emphasizes

HUB brokers GL around commercial operations such as visitor injuries, employee-caused property damage and advertising injury, with insurers varying by placement. Counterpart describes a narrower professional-class arrangement: GL can accompany its miscellaneous professional or lawyers coverage and has separate limits. A broad commercial buyer can ask HUB about site-specific exposures; professional firms should check Counterpart’s eligible classes and coordination with E&O. [5] [6]

Placement, Limits, and Service Details

HUB says coverage amounts depend on the business and location and directs buyers to a broker, while Counterpart says brokers can quote different limits and retentions. Neither summary sets an individual schedule. Ask HUB for the carrier, per-occurrence and aggregate limits, and deductible; request Counterpart’s paired declarations. Confirm defense treatment and certificate wording against your contracts before comparing premium. [5] [6]

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

  • Which HUB insurer, limits and retention fit your locations and work? [6]
  • Does Counterpart’s companion program accept your class with independent GL limits? [5]

Provider coverage details

Counterpart

  • role: Counterpart describes its insurance as distributed by a producer and surplus-lines broker through wholesale brokers. This is the program channel, not evidence Counterpart itself bears insured liability.company-reportedSource ↗Source ↗
  • coverage: Counterpart says Miscellaneous Professional Liability can be bought alone or packaged with General Liability; its lawyers product also describes GL alongside professional coverage. The official descriptions scope GL to these professional-liability product contexts and do not establish broad standalone commercial general liability for all businesses.company-reportedSource ↗Source ↗
  • eligibility: The cited pages describe separate GL companion arrangements for miscellaneous professional firms and law firms. The class scope on these product pages does not establish availability to other businesses or in every state.company-reportedSource ↗Source ↗
  • limits: Counterpart’s MPL page says its coverage types have separate limits and allows brokers to quote multiple limit and retention options. This page statement applies to the marketed MPL/GL structure; confirm the declarations and any shared aggregates in the issued policy.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 ↗

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

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