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): July 29, 2004 HUB INTERNATIONAL LIMITED ------------------------------------------------------ (Exact Name of Registrant as Specified in Its Charter) ONTARIO ---------------------------------------------- (State or Other Jurisdiction of Incorporation) 1-31310 36-4412416 - -------------------------------------------------------------------------------- (Commission File Number) (I.R.S. Employer Identification No.) 55 EAST JACKSON BOULEVARD, CHICAGO, IL 60604 - -------------------------------------------------------------------------------- (Address of Principal Executive Offices) (Zip Code) (877) 402-6601 ---------------------------------------------------- (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 July 29, 2004, Hub International Limited issued a press release announcing its financial results for the second 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. 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: July 29, 2004 By: /s/ W. Kirk James -------------------------------- Name: W. Kirk James Title: Vice President, Secretary and Chief Corporate Development Officer Exhibit Index Exhibit No. Description 99.1 Press release dated July 29, 2004.