SECURITIES AND EXCHANGE COMMISSION
                              Washington, DC 20549


                                    FORM 8-K


                             CURRENT REPORT PURSUANT
                          TO SECTION 13 OR 15(D) OF THE
                         SECURITIES EXCHANGE ACT OF 1934


        Date of report (Date of earliest event reported): April 28, 2004


                            HUB INTERNATIONAL LIMITED
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             (Exact Name of Registrant as Specified in Its Charter)


                                     ONTARIO
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                 (State or Other Jurisdiction of Incorporation)


             1-31310                                     36-4412416
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     (Commission File Number)               (I.R.S. Employer Identification No.)


                  55 EAST JACKSON BOULEVARD, CHICAGO, IL 60604
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               (Address of Principal Executive Offices) (Zip Code)

                                 (877) 402-6601
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              (Registrant's Telephone Number, Including Area Code)


                                       n/a
          -------------------------------------------------------------
          (Former Name or Former Address, if Changed Since Last Report)







Item 12.  Results of Operations and Financial Condition

         On April 28, 2004, Hub International Limited issued a press release
announcing its financial results for the first quarter 2004. A copy of the press
release is attached to this Report as Exhibit 99.1 and is incorporated herein by
reference.

         The foregoing information, including the information contained in the
press release, is being furnished pursuant to this Item 12 and shall not be
deemed to be "filed" for the purposes of Section 18 of the Securities Exchange
Act of 1934, as amended, or otherwise subject to the liabilities of that Section
or Sections 11 and 12(a)(2) of the Securities Act of 1933, as amended.












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                                   SIGNATURES

         Pursuant to the requirements of the Securities Exchange Act of 1934,
the Registrant has duly caused this Report to be signed on its behalf by the
undersigned hereunto duly authorized.




                                    HUB INTERNATIONAL LIMITED
                                           (Registrant)


Date: April 28, 2004                By:  /s/ W. Kirk James
                                         ---------------------------------------
                                  Name:   W. Kirk James
                                 Title:  Vice President, Secretary
                                         and Chief Corporate Development Officer










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                                  Exhibit Index


Exhibit No.                       Description

99.1                              Press release dated April 28, 2004