At-Bay vs HUB International: How Do They Compare for Professional Liability (E&O) Insurance?

HUB International has you connect with a broker and has no online quote flow, while At-Bay supplies its own MPL, up to $5 million, to licensed insurance professionals who submit business.

HUB describes prior-acts coverage, optional tail and incident-reporting steps; At-Bay publishes a duty to defend and an 80/20 hammer clause in its MPL. ^6,¹

What Are the Key Differences Between At-Bay and HUB International Professional Liability (E&O) Insurance?

Protecting Past Work and Reporting Later

HUB says its E&O policies are typically claims-made, with prior-acts coverage tied to a retroactive date and optional tail coverage after the policy ends. At-Bay lists a duty-to-defend contract, automatic subsidiary coverage and an 80/20 hammer clause instead. If you are changing carriers, compare the retroactive date and cost of extended reporting against At-Bay’s quoted terms. ⁶ ¹

Who Arranges the Policy

HUB brokers E&O tailored to business size, industry, location and requested limits. At-Bay routes MPL through its producer and licensed insurance professionals. The broker route affects who gathers and submits your information; ask which insurer will issue the final policy. ⁵ ²

What to Do After an Incident

HUB tells policyholders to notify their broker and carrier and provide an incident narrative. At-Bay’s MPL page focuses on product features and does not describe a comparable reporting procedure. Ask At-Bay for the claims contact and notice deadline before you buy. ⁶ ¹

What Should You Confirm in At-Bay and HUB International Professional Liability (E&O) Insurance Quotes?

Ask HUB for the retroactive date, prior-acts coverage and tail-coverage price. ⁶
Ask At-Bay for the insurer and actual limit, including applicable state restrictions. ¹
Get the incident-reporting process and carrier claims contact from both. ⁶ ¹

At-Bay vs HUB International Professional Liability (E&O) Compared

At-Bay vs HUB International: Professional Liability (E&O) Insurance: documented features by provider

Criteria	At-Bay Miscellaneous Professional Liability (MPL) Insurance	HUB International Professional Liability (E&O) Insurance Brokerage
Who It’s For	At-Bay says it provides primary MPL for businesses of all revenue sizes with limits up to $5 million, subject to state restrictions and eligibility requirements detailed in a separate MPL appetite guide. ¹Company-reported. Current MPL appetite paragraph; the linked appetite guide's specific eligibility requirements were not independently opened for this record.	HUB names accounting, law, medical, financial-advisory, real estate, architecture and engineering, consulting, and contracting businesses as typical E&O buyers, and separately lists technology among nine industries its E&O practice serves. ^5,⁶Company-reported. Combined professional-liability and E&O industry lists; not a published underwriting appetite by state.
How to Apply	At-Bay directs MPL submissions to underwriting by email or through automatic quotes on its Broker Platform, which At-Bay describes as a workflow of creating a quote, customizing limits and retentions, and binding the policy. ^1,⁴Company-reported. Current submission instructions and the general broker-platform workflow description; MPL-specific automation details were not separately confirmed.	HUB directs prospects to connect with a broker; the pages describe professional liability/E&O policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. ^5,⁶Company-reported. Product-page call to action and customization description as read 2026-09-23.
Coverage Features	At-Bay lists MPL coverage highlights including automatic coverage for acquired subsidiaries, claims-made-and-reported coverage, coverage for independent contractors, disciplinary-proceedings defense, a duty-to-defend contract, personal-injury coverage (including emotional distress), punitive damages where insurable, a professional-services definition written for each insured, and an 80/20 hammer clause. ¹Company-reported. Product-page coverage-highlights list; an 80/20 hammer clause is a settlement provision where the insurer pays 80% and the insured pays 20% of costs after the insured declines a recommended settlement. The issued policy and declarations control actual wording, limits and exclusions.	HUB says professional liability/E&O policies it arranges can cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful business practices, misleading advice and conflict of interest, plus libel, slander or lost-profit claims; intentional acts and employment claims are typically excluded. ⁵Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim. HUB says E&O policies are typically claims-made with per-claim and aggregate limits, can be structured with prior-acts coverage back to a retroactive date, and can offer tail coverage for an extended reporting period; coverage can extend to independent contractors and temporary staff performing work for the business. ⁶Company-reported. E&O product-page structure description; specific limits and retroactive dates are set on the quote and declarations.
Role in This Line	At-Bay markets MPL as one of its own named insurance products, sold through its disclosed producer, At-Bay Insurance Services LLC, with the product page directed at "properly licensed insurance professionals" submitting business rather than at direct retail buyers. ^1,²Company-reported. Current MPL product page and license disclosures; this describes the distribution channel, not who bears the underwriting risk.	HUB brokers professional liability, which it also calls errors and omissions (E&O) insurance, rather than underwriting the coverage itself. ^5,⁶Company-reported. Professional liability and E&O product pages as read 2026-09-23; neither names an issuing insurer.