HUB International Limited Commercial Truck Insurance Review
Overview
HUB International Limited is one of the world’s largest insurance brokers, offering a broad range of commercial insurance solutions, including specialized programs for the transportation and trucking industry. With a global reach and deep industry expertise, HUB provides coverage for owner-operators, small to midsize fleets, and large carriers, aiming to deliver tailored risk management strategies and comprehensive protection.
Coverage Options
HUB’s commercial truck insurance offerings include:
Primary Auto Liability (meets FMCSA requirements)
Physical Damage
Motor Truck Cargo Insurance
General Liability
Excess/Umbrella Liability (including specialized excess programs)
Non-Trucking Liability
Workers’ Compensation
Cyber Liability and other business-specific coverages
HUB emphasizes customized solutions, risk management, and access to a broad market of insurance carriers, allowing clients to tailor policies to their unique operational needs.
Key Features and Benefits
Industry Expertise: HUB’s transportation division is staffed by specialists with deep knowledge of trucking risks, regulations, and claims trends. They offer proactive risk management advice, including strategies to mitigate the impact of "nuclear verdicts" and rising insurance costs.
Comprehensive Risk Solutions: In addition to standard coverages, HUB provides advanced services such as safety program consulting, driver retention strategies, and claims advocacy.
National and Global Reach: As a top-five global brokerage, HUB can serve trucking businesses with multi-state or international operations.
Digital Tools: HUB offers electronic quoting and client portals for policy management, though user experiences with these tools are mixed.
Franchise and Group Programs: HUB develops specialized insurance programs for franchisees and group clients, enhancing value for businesses with unique needs.
Customer Experience: Pros and Cons
| Pros | Cons |
|---|---|
| Wide range of trucking and business insurance solutions | Numerous complaints about poor communication and slow response |
| Deep industry expertise and risk management support | Reports of billing issues, policy confusion, and refund delays |
| National presence and access to multiple carriers | App and digital tools often described as unreliable |
| Ability to handle complex or large fleet needs | Service quality varies widely by office and region |
Customer Feedback
Customer reviews for HUB International are mixed to negative, especially on consumer platforms. Common complaints include poor communication, lack of responsiveness, difficulty reaching agents, and unresolved billing or policy issues. Some clients report feeling unsupported during audits or policy changes, and several cite problems with HUB’s digital tools and app functionality. However, some long-term business clients and employees praise the company’s industry knowledge, broad market access, and ability to handle complex insurance needs.
Summary Table: HUB International Limited
| Feature | Details |
|---|---|
| Industry Focus | Transportation, trucking, and general commercial insurance |
| Coverage Types | Liability, physical damage, cargo, umbrella, NTL, workers’ comp, cyber, more |
| Service Area | Nationwide and international |
| Risk Management | Advanced consulting and claims support |
| Digital Tools | Electronic quoting, client portals (mixed reviews) |
| Customer Reviews | Mixed to negative: communication and service issues noted |
| Strengths | Expertise, market access, tailored solutions |
| Weaknesses | Inconsistent service, digital tool problems, billing issues |
Conclusion
HUB International Limited offers a robust suite of commercial truck insurance products and risk management services, backed by global resources and transportation industry expertise. While their ability to customize coverage and provide advanced consulting is a strong asset for trucking businesses, persistent complaints about communication, customer service, and digital tool reliability are significant drawbacks. Prospective clients should carefully vet their local HUB office and clarify service expectations before committing to a policy. For complex or large-scale trucking operations seeking comprehensive solutions, HUB remains a major player, but service quality may vary considerably by region.