---
title: "At-Bay vs HUB International: Professional Liability (E&O) Insurance"
description: "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."
canonical: "https://spot.insure/compare/at-bay-vs-hub-international/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "at-bay-vs-hub-international"
provider-a: "at-bay"
provider-b: "hub-international"
coverage-line: "professional-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/at-bay-vs-hub-international/professional-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of At-Bay and HUB International for Professional Liability (E&O) Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Professional Liability (E&O) Insurance questions about At-Bay versus HUB International. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- At-Bay vs HUB International for Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, At-Bay or HUB International?
- What does At-Bay or HUB International publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: At-Bay and HUB International.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [At-Bay vs HUB International](https://spot.insure/compare/at-bay-vs-hub-international) — all coverage lines for this pair
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — how this coverage works
- [At-Bay profile](https://spot.insure/insurance-providers/at-bay) — provider profile
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile

# 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.

Businesses with past work or a need to extend the reporting period can assess HUB’s prior-acts and tail options; At-Bay publishes specific defense and settlement provisions.

## At-Bay vs HUB International Professional Liability (E&O) Insurance Summary

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](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [1](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite")

## 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](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [1](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite")

### 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](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [2](https://www.at-bay.com/licenses/ "Licenses")

### 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](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [1](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite")

## 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](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage")
- Ask At-Bay for the insurer and actual limit, including applicable state restrictions. [1](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite")
- Get the incident-reporting process and carrier claims contact from both. [6](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [1](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite")

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

| 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. [1](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [6](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: 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](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [4](https://www.at-bay.com/brokers/platform/ "Broker Platform") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [6](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: 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. [1](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Company-reported; scope: 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. [5](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page coverage description; the issued policy and its exclusions control an actual claim..)<br><br>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. [6](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: 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](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [2](https://www.at-bay.com/licenses/ "Licenses") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [6](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: Professional liability and E&O product pages as read 2026-09-23; neither names an issuing insurer..) |

## About At-Bay and HUB International and Professional Liability (E&O)

- [At-Bay company profile](https://spot.insure/insurance-providers/at-bay) · [At-Bay customer reviews](https://spot.insure/insurance-providers/at-bay/reviews)
- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions)

## Related Pages for At-Bay vs HUB International

- [At-Bay vs HUB International](https://spot.insure/compare/at-bay-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms.
- [At-Bay Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/at-bay/professional-errors-omissions)
- [HUB International Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/hub-international/professional-errors-omissions)

## Sources for At-Bay vs HUB International

### Sources About At-Bay

1. [MPL Insurance: Coverage Highlights & Appetite](https://www.at-bay.com/insurance/mpl/). At-Bay; MPL Coverage Highlights list; MPL Appetite paragraph; Send us your submissions; "material on this page is intended for use solely by properly licensed insurance professionals". Accessed 2026-09-23.
2. [Licenses](https://www.at-bay.com/licenses/). At-Bay; Producer introduction; agency and surplus-lines footer naming At-Bay Insurance Services LLC. Accessed 2026-09-16.
3. [At-Bay Doubles Miscellaneous Professional Liability Appetite](https://www.at-bay.com/press_releases/at-bay-doubles-mpl/). At-Bay; September 28, 2023 release: final paragraph before Media Contacts. Accessed 2026-09-16.
4. [Broker Platform](https://www.at-bay.com/brokers/platform/). At-Bay; How it works: Create a quote, Customize your quote, Bind your policy, Manage renewals; FAQs. Accessed 2026-09-16.

### Sources About HUB International

5. [Professional Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/). HUB International; What is professional liability?; Who Needs Professional Liability Insurance Coverage?; How Can You Limit Your Exposure to Professional Liability?; exclusions; Connect With a Broker. Accessed 2026-09-23.
6. [Errors and Omissions (E&O) Insurance Coverage](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/). HUB International; Industries served list including accounting, architecture, creative, dental, engineering, financial, medical, media and technology; prior-acts coverage; claims-made structure with per-claim and aggregate limits and tail coverage; claims-notification steps. Accessed 2026-09-23.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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