It's amazing!
Hub's own blog describes the worst practice they employ.
https://www.hubinternational.com/blog/2016/10/dont-be-such-a-critic-negative-online-reviews/
Perhaps, my story will be a cautionary one to anyone thinking of dealing with Hub.
I reached out in December of 2019 to local Hub broker, Karen Moore-Mello (Acton, MA office, 978-795-3349, Karen.Moore-Mello@HubInternational.com) to get a quote on auto and renter's insurance.
My current insurance was set to renew on January 11th, and I stressed that I needed the proof of insurance by then.
After several emails, narrowing down various details (collision, amounts, etc.) we settled on policy that would include collision on one of the cars, the BMW, and 100/300 limits.
She sent me the application with a note "please check", and I faxed it back, signed.
January 10th comes, and with no word from Karen or the new carrier, Quincy Mutual, I renew my old policy with Travelers.
Still, no word from Hub.
On January 23rd, I'm involved in a crash. I call Travelers, who then process the claim, as expected.
Out of sheer curiosity, I email to Hub, and ask whatever happened to my application. In an email (clearly, my money do not warrant a phone call), Karen informs me that the policy documents were returned because they were mailed to my residential address, not my mailing one.
Sadly, the "broker" didn't bother to verify.
In the meantime, I speak several times with Travelers, latest being on 30th, as they update me on the claim.
On January 31st, as I'm buying a new car, Travelers automated recording tells me that I'm no longer their customer.
Several furious calls later it turns out that Karen, without even bothering to notify me, has switched the carriers on me, and did it mid-claim.
Now, Travelers are no longer involved in covering the claim.
MOREOVER, the new policy with Quincy Mutual does not have collision coverage on it, so I'm out thousands of dollars.
I call left and right, and Karen's supervisor, Patricia Angell (978-263-0458, patricia.angell@hubinternational.com), tells me outright that since many different options were discussed between me and Karen, I'm stuck with what I signed (never mind that "errors and omissions" clause protects the insured against any and all screw-ups made by the insurance agent).
It takes me multiple phone calls to Hub headquarters to even reach Timm Marini, the president of Hub International New England (his cell is 413-233-2103, timothy.marini@hubinternational.com).
Timm listens, responds apologetically, and asks for a few days to straighten everything out.
AND, disappears for two weeks.
Not even a phone call from him, but I do get an email saying that he's traveling.
Nope, my money isn't good enough to warrant a call back.
Not important enough, I guess.
I call Hub International Headquarters (Chicago, 312-596-7522, Ashley is the receptionist) to pass a message along to Sean McCullough on Friday, February 21st
On Monday, the 24th, I get a response from John Zawilinski, the COO of Hub International New England (cell 617-312-1799, john.zawilinski@hubinternational.com).
As Timm Marini, he's apologetic, and friendly, and tells me that he's gonna find a solution quickly.
I've already spoken to an attorney, but, I'm willing to give Hub another chance.
John gets back to me later that day, and the following day I get a phone call from Hub International claims adjuster, who within couple of days short-changes me on the value of my car, just to get rid of me.
As to be expected.
So, there you have it.
(No, John never called back. Even after I left a voice mail asking for a call back.
Karen never apologized for stiffing me on the policy (don't they make higher commission if they sell higher premiums?)
Patti (Karen's supervisor) made it look like it was my own damn fault.
Timm, the Hub president for New England, couldn't be rid of me quickly enough.
And John, the COO for New England operations, got the wheels in motion, saving himself and the company tens of thousands in litigation, only to short-change me on the value of the car.
And, no, he couldn't be bothered to call me back.
So if you DO decide to do business with Hub, remember.
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