Alliance Risk vs 
HUB International: How Do They Compare for D&O Insurance?
HUB International brokers D&O and offers attorney-staffed claims support; Alliance Risk publishes sample limit and premium ranges and offers a no-charge review of an existing program.
Alliance Risk offers a no-charge policy review with illustrative limits and premium bands; HUB serves private, nonprofit and public companies with attorney-staffed claims support. 1,3,4
What Are the Key Differences Between Alliance Risk and HUB International D&O Insurance?
Management-Liability Marketing Versus ProEx Segments
Alliance Risk and HUB both broker D&O rather than underwrite it. Alliance Risk markets the risk to management-liability specialists. HUB markets D&O through its ProEx practice to private companies, nonprofits and public companies. 1 3 4
HUB says ProEx places over $2 billion in premium with insurers it calls top-rated carriers, without naming them. Alliance Risk’s reviewed D&O materials also do not name an issuer. 4 1
Published Bands Versus Unpublished Limits
Alliance Risk publishes illustrative Side A limits and premium bands and warns that bundled D&O/EPLI/fiduciary packages often share a single aggregate. HUB’s reviewed D&O and ProEx materials do not publish limits or retentions. 1 2 3 4
HUB describes D&O it arranges as covering personal-asset protection, defense in several types of proceedings, and workplace and employment protection. Alliance Risk lists exclusions it sees, including fraud, criminal acts and often prior acts, and says employment-practices claims typically need separate EPLI. 3 1
Free Review Versus Connect With a Broker and Attorney Claims Staff
Alliance Risk offers a no-charge review of an existing D&O policy and typically delivers proposals within a few business days. HUB directs D&O prospects to connect with a broker rather than an online quote or bind flow. 1 3
HUB describes a Claims & Legal Risks Group, staffed by attorneys who specialize in ProEx coverages including D&O, from pre-claim wording review through recovery. Alliance Risk’s reviewed D&O materials do not describe a claims-advocacy process. 4 1
What Should You Confirm in Alliance Risk and HUB International D&O Insurance Quotes?
- Ask HUB which ProEx carrier would issue the policy and what Side A/B/C limits would apply, since the public pages do not publish them. 3 4
- Ask Alliance Risk whether D&O shares a limit with EPLI or fiduciary and which specialist carrier it would market to. 2 1
- Ask HUB how the Claims & Legal Risks Group would be involved before a claim is noticed. 4
- Confirm whether employment-related suits sit in D&O or need separate EPLI on each quote. 3 1
Alliance Risk vs HUB International D&O Insurance Compared
Alliance Risk vs HUB International: D&O Insurance: documented features by provider
| Criteria | Alliance Risk Directors & Officers (D&O) Insurance | HUB International Directors and Officers Insurance Brokerage |
|---|---|---|
| Who It’s For | Alliance Risk says D&O is relevant to venture-backed and public companies, high-risk industries such as fintech, healthcare, real estate and financial services, companies going through M&A, IPO or leadership changes, nonprofits, and small private companies without outside investors. 1Company-reported. D&O product page; eligibility for a particular company depends on underwriting. Alliance Risk says a company should turn on D&O coverage at its first priced funding round, because institutional investment brings personal exposure for directors and officers from day one. 2Company-reported. Management liability page's program-staging guidance, describing D&O specifically among the three bundled lines. | HUB markets D&O brokerage to three segments: private companies with customer and supplier relationships, nonprofits with advisory boards or committees, and public companies with shareholders. 3Company-reported. D&O product page target-market description; not an underwriting appetite statement. |
| How to Apply | For a D&O quote, Alliance Risk asks for company revenue, industry and stage, board composition, investor structure, current D&O coverage and carrier, five-year claims history and upcoming events such as M&A or an IPO, and says it typically delivers proposals within a few business days. 1Company-reported. D&O product page, What We Need for Your Quote section; timing is a company estimate, not a guarantee. | HUB directs D&O prospects to "Connect With a Broker" rather than an online quote or bind flow. 3Company-reported. D&O product page call to action. |
| Coverage Features | Alliance Risk describes D&O policies it places as having three parts: Side A for individual directors and officers when the company cannot indemnify them, Side B reimbursing the company for indemnification costs, and Side C covering the company directly for certain liabilities. 1Company-reported. D&O product page; actual policy structure and whether sides are combined or separately limited depend on the carrier and the policy as issued. Alliance Risk lists standard D&O exclusions it sees, including fraud and intentional misconduct, criminal acts, bodily injury and property damage, and often prior acts before the policy started; it says employment practices and ERISA benefit-plan claims are typically excluded and need separate EPLI or fiduciary liability coverage. 1Company-reported. D&O product page; exclusion wording varies by carrier and the policy as issued. | HUB describes D&O coverage it arranges as addressing three areas: personal asset protection for monetary judgments and settlements from an alleged breach of duty, loyalty or care; defense in civil, criminal, judicial, administrative, regulatory or arbitration proceedings; and workplace and employment protection for breach-of-fiduciary-duty and employment-related suits. 3Company-reported. Product-page marketing description; the issued policy's insuring agreements, conditions and exclusions control an actual claim. HUB says D&O claims it sees can come from regulators, donors, clients or customers, suppliers, competitors, employees, shareholders and creditors. 3Company-reported. Product-page list of potential claim sources; not a guarantee of coverage for any specific claimant. |
| Role in This Line | Alliance Risk places D&O insurance as a broker: it reviews a company's existing D&O program and markets the risk to carriers that specialize in management liability. 1Company-reported. D&O product page; Alliance Risk does not underwrite the policy itself. | HUB brokers D&O liability coverage for private, nonprofit and public-company clients as part of its ProEx Professional & Executive Risk practice, rather than underwriting the policy itself. 3,4Company-reported. D&O product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer. |
| Risk Services | Alliance Risk offers a no-charge review of an existing D&O policy, identifying gaps in the Side A/B/C structure and missing endorsements and comparing the program to market options. 1Company-reported. D&O product page, Get Your D&O Risk Review section. | HUB says its ProEx practice, which lists D&O among its Executive Liability coverages, provides analytics, litigation support and risk-management services to clients of all sizes, led by a named ProEx practice leader. 4Company-reported. ProEx page team and services description; not specific to a single D&O engagement. |
