Hub International vs Markel: General Liability Insurance

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

Risk Scenarios and Technology Classes

HUB describes GL policies it arranges as responding to bodily injury to customers, employees, vendors or visitors on premises, property damage caused by employees, personal injury and advertising injury. Markel’s reviewed page focuses on IT and technology service firms, including software, hardware and consultants, and describes advertising and personal injury coverage for those classes. HUB’s scenario list speaks to premises and employee operations; Markel identifies a technology buyer segment and possible policy triggers. Match each quote to the same locations and operations. [2] [5]

Broker Role and Limit Selection

HUB says it brokers GL with an insurer and recommends that limits depend on factors such as business type and location, directing prospects to a broker. Markel’s claim does not publish limit factors or numeric limits and invites contact with its underwriting team or a broker. A buyer can ask HUB to explain its limit analysis and request Markel’s capacity and insurer identity; the reviewed public descriptions do not establish a matched price or limit. [2] [5]

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

Which premises, employee, visitor and advertising claims are covered, and what exclusions apply? [2] [5]
What limit does HUB recommend for the locations and activity, and what can Markel offer? [2] [5]
Which insurer and occurrence or claims-made trigger will appear on each policy? [2] [5]

HUB brokers GL for customer, employee, vendor and visitor injuries, property damage and advertising injury. Markel targets IT and technology services and describes occurrence or claims-made forms for those classes.

Sources and records

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
02
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
03
Commercial general liability insurance
Insurance Information Institute · Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance · accessed 2026-09-16
04
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
05
IT Professionals E&O Insurance
Markel · General liability section; occurrence or claims-made availability for advertising and personal injury; limited to IT-professional context. · accessed 2026-09-30

Provider coverage details

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 ↗

Markel Insurance

role: Markel describes offering general liability for the audience stated on the cited product page. general liability marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
eligibility: IT and technology service businesses, including software/SaaS, hardware businesses, and consultants listed by Markel. general liability marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
coverage: The cited product page describes general liability with advertising and personal injury coverage available on an occurrence or claims-made basis for the IT-professional classes on this page. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. general liability marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
application: The page invites prospective customers or brokers to contact Markel or the named underwriting team. The page does not establish a quote, bind, or coverage-effective timeline. general liability marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
limits: The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred.not-disclosedSource ↗