EXHIBIT 5.1


[TORYS LLP LOGO]                                Suite 3000
                                                79 Wellington St. W.
                                                Box 270, TD Centre
                                                Toronto, Ontario
                                                M5K 1N2  Canada

                                                TEL 416.865.0040
                                                FAX 416.865.7380

                                                www.torys.com







                                                May 29, 2002



Hub International Limited
55 East Jackson Boulevard
Chicago, Illinois 60604
U.S.A.

                       REGISTRATION STATEMENT ON FORM S-1


Ladies and Gentlemen:

     This opinion is furnished to Hub International Limited (the "Company") in
connection with the Registration Statement on Form S-1 filed by the Company with
the Securities and Exchange Commission on March 22, 2002 (as such has been and
may thereafter be amended or supplemented, the "Registration Statement") in
connection with the registration under the Securities Act of 1933, as amended,
of 5,750,000 of the Company's common shares (the " Common Shares"). The Common
Shares include 5,000,000 common shares to be issued and sold by the Company and
an over-allotment option granted by the Company to the Underwriters to purchase
750,000 additional common shares.

     We have made such investigations and examined originals or copies,
certified or otherwise identified to our satisfaction, of such certificates of
public officials and of such other certificates, documents and records as we
have considered necessary or relevant for the purposes of the opinions
hereinafter expressed, including:

     (a)  the articles and by-laws of the Company;

     (b)  resolutions of the directors of the Company authorizing the issue of
          the Common Shares;


     (c)  a certificate of status dated May 28, 2002 issued in respect of the
          Company pursuant to the Business Corporations Act (Ontario)
          (the "OBCA"); and


     (d)  a certificate of officers of the Company as to certain factual
          matters.

     For purposes of this opinion, we have assumed, with respect to all
documents examined by us, the genuineness of all signatures, the authenticity of
all documents submitted to us as originals and the conformity to authentic
original documents of all documents submitted to us as certified, conformed,
telecopied or photostatic copies. We have also assumed that the

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certificate of status referred to above continues to be accurate as at the date
hereof. We have relied upon the certificates referred to above with respect to
the accuracy of the factual matters contained therein and we have not performed
any independent check or verification of such factual matters.

     The opinions hereinafter expressed are limited to the laws of the Province
of Ontario and the federal laws of Canada applicable therein.

     Based upon and subject to the foregoing, we are of the opinion that the
Common Shares, when issued and sold in the manner referred to in the
Registration Statement and upon the Company receiving payment for the purchase
price, will be validly issued, fully paid and nonassessable.

     We consent to the use of this opinion as an exhibit to the Registration
Statement and further consent to the use of our name wherever appearing in the
Registration Statement, including the prospectus constituting a part thereof,
and any amendments thereto.

                                                Very truly yours,



                                                /s/ Torys LLP






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