Kornerstone
HUB International is a privately held insurance brokerage founded in 1888, delivering business insurance, employee benefits, retirement services, personal insurance, private client coverage, and risk management across U.S. and Canadian clients via a proprietary RMIS platform.
- Company typePrivate
- Founded1888
- HeadquartersChico, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Kornerstone does
HUB International Limited is a privately held insurance brokerage firm incorporated under Illinois law and headquartered at 150 N Riverside Plaza, Chicago, with roots tracing to an 1888-founded Sacramento office. The firm operates a full-service brokerage across U.S. states and Canadian provinces, delivering Business Insurance, Employee Benefits, Retirement Services, Personal Insurance, Private Client Insurance, and Risk Management Services to enterprise, mid-market, and SMB clients across verticals including Healthcare, Construction, Manufacturing, Hospitality, Professional Services, Food and Beverage, Education, and Personal Lines.
The firm's risk-management technology platform is the proprietary Risk Management Information System (RMIS), which aggregates high claims volume data from multiple carriers and third-party administrators and offers configurable analytics, benchmarking, automated workflow (including OSHA log production and certificate-of-insurance generation), fleet management, real estate and construction risk modules, and industry-specific reporting dashboards. Distribution runs through three primary motions: a U.S./Canadian direct field-sales office network, an inside-sales operation for personal insurance (with dedicated phone support hours), and a wholesale brokerage channel (HUB Wholesale) that serves other brokers and agents with specialized underwriting capacity.
Revenue is generated primarily through insurance brokerage commissions on placed business, supplemented by consulting and advisory fees (risk management, people and technology consulting, actuarial services, strategic benefits planning) and wholesale brokerage economics. Pricing is quote-based and tailored to client-specific risk profiles rather than publicly tiered, and the firm pairs policy placement with an in-house Claims Team, workplace safety programs, property risk management, and crisis resource centers to deepen client retention across the policy lifecycle.
Kornerstone firmographics
Firmographics- Name
- Kornerstone
- Legal name
- HUB International Limited
- Website
- https://kornerstoneinc.com
- Company type
- Private
- Founded year
- 1888
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- HUB International is a privately held insurance brokerage founded in 1888, delivering business insurance, employee benefits, retirement services, personal insurance, private client coverage, and risk management across U.S. and Canadian clients via a proprietary RMIS platform.
- Ownership category
- akta.pro rank
Kornerstone industry classification
Industry- Product category
- Insurance Brokerage
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Risk Management Consulting (Enterprise & Operational Risk) (FSAEADAG)
- akta.pro secondary industries
- Retail (Personal Lines) Insurance Brokerage (FSAEADAA), Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD)
Keywords
Where Kornerstone is headquartered
LocationHeadquarters
- HQ city
- Chico
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Kornerstone business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Brokerage Commissions: HUB International operates as an insurance broker/agency earning commissions from insurance carriers for placing business. Their website Terms and Conditions state 'HUB may share commissions or referral fees with business partners, subject to all applicable regulations and laws.'
- Consulting and Advisory Fees: Revenue generated from consulting services including Risk Management, People & Technology Consulting, Strategic Benefits Planning, Actuarial & Financial Consulting, and other advisory services.
- Wholesale Brokerage: HUB Wholesale division serves other insurance brokers and agents, providing access to specialized insurance products and underwriting capacity.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Quote-based pricing tailored to individual client risk profiles |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
Kornerstone product offering
Product offeringCore offering
Kornerstone (operating as HUB International) is a full-service insurance brokerage placing business and personal insurance with carriers, earning commissions. The firm offers six core product lines: Business Insurance, Employee Benefits, Retirement Services, People & Technology Consulting, Personal Insurance, and Private Client Insurance, supported by a proprietary Risk Management Information System (RMIS) technology platform for claims administration, analytics, and compliance.
Product overview
HUB International offers a comprehensive insurance brokerage and risk management platform consisting of six core product lines: Business Insurance (commercial property, casualty, professional liability, workers' compensation, and specialty coverages), Employee Benefits (health, wellness, absence management, and pharmacy benefits), Retirement Services (retirement plans, executive benefits, and wealth management), People & Technology Consulting (HR and organizational consulting), Personal Insurance (auto, home, and specialty coverage), and Private Client Insurance (high net worth solutions). The Risk Management Services division includes specialized technology-enabled modules such as the Risk Management Information System (RMIS) for claims administration and analytics, Workplace Safety Management programs, Property Risk Management services, Crisis Resource Centers, and industry-specific RMIS features for Construction, Real Estate, and Fleet Management. The RMIS platform aggregates risk data from multiple carriers and third-party administrators, automates OSHA log production and certificate tracking, and provides reporting dashboards with benchmarking capabilities. These modules work together to deliver end-to-end risk management from insurance placement through claims advocacy and workplace safety.
Differentiator
Problem solved
Functional benefit
Brands
- HUB Risk Management Information System (RMIS): Advanced risk management technology platform providing claims administration, audit, safety and compliance tools.
- HUB Crisis Resources
- HUB HSA Investment Account
Quantifiable outcome
- 81% reduction in Workers' Compensation costs
- +2 more outcomes
Companies that use Kornerstone
Customer profileNamed customers3 records
Segments9 records
Ideal customer profiles6 records
Kornerstone technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature6 records
Kornerstone partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Disaster Recovery ServicessupportingHUB partners with Disaster Recovery Services division to help organizations successfully navigate physical and financial recovery from natural disasters and catastrophic events through their Crisis Resource Centers.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Kornerstone competitors and assessment
Company assessmentDirect peers
- Arthur J. Gallagher & Co. Publicly traded multi-line insurance brokerage with comparable commercial and personal lines focus, similar scale, and direct head-to-head competition for middle-market and enterprise accounts across the U.S. and Canada.
- Alliant Insurance Services: Privately held U.S. insurance brokerage with similar specialty and middle-market focus and private ownership; directly comparable to HUB in product breadth, vertical specialization, and growth orientation.
- USI Insurance Services: Privately held insurance brokerage with similar commercial and personal lines focus and approximately comparable scale; direct private-peer competitor for middle-market and select enterprise accounts in the U.S.
- Acrisure: Rapidly growing insurance brokerage built through aggressive M&A with similar product breadth across commercial, personal, and benefits lines; closely comparable in scale, growth trajectory, and acquisition-driven strategy to HUB.
- Truist Insurance Holdings: Insurance brokerage subsidiary of Truist Financial Corporation with a comparable U.S. footprint and multi-line commercial brokerage capabilities; competes with HUB for middle-market and select enterprise clients, especially in banking-aligned relationships.
- Brown & Brown, Inc. Multi-line U.S. insurance brokerage with comparable product breadth and similar revenue scale; competes head-to-head for middle-market commercial accounts and shares private/public ownership dynamics with HUB.
- Lockton Companies: Largest privately held insurance broker globally with comparable multi-line commercial focus and similar private ownership profile; a direct private-peer rival across commercial brokerage and specialty practices.
Emerging players
- Risk Strategies Company: Smaller but rapidly growing U.S. insurance brokerage with a similar multi-line approach and specializations in professional and private client services; a comparable business model at smaller scale, increasingly overlapping HUB's mid-market footprint.
Broad incumbents
- Marsh McLennan: Global risk, insurance brokerage, and consulting conglomerate operating Marsh, Guy Carpenter, Mercer, and Oliver Wyman; substantially larger than HUB and broader in scope, with overlapping brokerage capabilities in commercial lines and risk advisory.
- Aon plc: Major global insurance broker and risk consultancy with similar product breadth and large enterprise client base; larger scale than HUB and a direct competitor for multinational accounts and complex risk placements.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Kornerstone social profiles
Digital presenceKornerstone financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kornerstone leadership team
Management profileNumber of profiles
Kornerstone subsidiaries and ownership
Company hierarchySubsidiaries1 record
Kornerstone funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kornerstone M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Kornerstone
What does Kornerstone do?
Kornerstone (operating as HUB International) is a full-service insurance brokerage placing business and personal insurance with carriers, earning commissions. The firm offers six core product lines: Business Insurance, Employee Benefits, Retirement Services, People & Technology Consulting, Personal Insurance, and Private Client Insurance, supported by a proprietary Risk Management Information System (RMIS) technology platform for claims administration, analytics, and compliance.
Is Kornerstone a public or private company?
Kornerstone is a private company. It is classified as unknown and is currently operating.
When was Kornerstone founded?
Kornerstone was founded in 1888. It employs 1 to 10 people.
Where is Kornerstone based?
Kornerstone is headquartered in Chico, United States, in the North America region.
How does Kornerstone make money?
Three revenue lines are on record. Insurance Brokerage Commissions are the primary driver. The others are consulting and Advisory Fees and wholesale Brokerage.
Who are Kornerstone's main competitors?
Direct peers on record are Arthur J. Gallagher & Co., Alliant Insurance Services, USI Insurance Services, Acrisure, Truist Insurance Holdings, Brown & Brown, Inc. and Lockton Companies. Risk Strategies Company is listed as an emerging player. Broad incumbents are Marsh McLennan and Aon plc.
Does Kornerstone have an API?
No public API is recorded for Kornerstone.
What industry is Kornerstone in?
Kornerstone's product category is Insurance Brokerage. Its primary akta.pro industry code is FSAEADAG, Risk Management Consulting (Enterprise & Operational Risk), with a secondary code of FSAEADAA, Retail (Personal Lines) Insurance Brokerage. Its NAICS code is 5242 and its SIC code is 6411.