---
title: "The Baldwin Group vs HUB International: Professional Liability (E&O) Insurance"
description: "HUB International lists professional liability for service firms and its comparison explains how the quoted terms differ."
canonical: "https://spot.insure/compare/baldwin-vs-hub-international/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "baldwin-vs-hub-international"
provider-a: "baldwin"
provider-b: "hub-international"
coverage-line: "professional-errors-omissions"
---

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

## Agent Guide

**What this page is:** Focused comparison of The Baldwin Group 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 The Baldwin Group versus HUB International. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- The Baldwin Group vs HUB International for Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, The Baldwin Group or HUB International?
- What does The Baldwin Group or HUB International publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Professional Liability (E&O) Insurance from The Baldwin Group or HUB International?

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: The Baldwin Group and HUB International.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [The Baldwin Group vs HUB International](https://spot.insure/compare/baldwin-vs-hub-international) — parent: all coverage lines for this pair
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — coverage explainer for this line
- [The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin) — provider profile (evidence)
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile (evidence)
- [The Baldwin Group vs HUB International Builders Risk Insurance](https://spot.insure/compare/baldwin-vs-hub-international/builders-risk) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/baldwin-vs-hub-international/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs HUB International Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-hub-international/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs HUB International Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-hub-international/commercial-property) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs HUB International Crime Insurance](https://spot.insure/compare/baldwin-vs-hub-international/crime) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs HUB International Cyber Insurance](https://spot.insure/compare/baldwin-vs-hub-international/cyber) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs HUB International D&O Insurance](https://spot.insure/compare/baldwin-vs-hub-international/directors-officers) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs HUB International Employee Health Benefits](https://spot.insure/compare/baldwin-vs-hub-international/employee-health-benefits) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-hub-international/employment-practices) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs HUB International Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-hub-international/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs HUB International Fidelity Bonds](https://spot.insure/compare/baldwin-vs-hub-international/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-hub-international/fiduciary) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs HUB International General Liability Insurance](https://spot.insure/compare/baldwin-vs-hub-international/general-liability) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs HUB International Inland Marine Insurance](https://spot.insure/compare/baldwin-vs-hub-international/inland-marine) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs HUB International Key Person Insurance](https://spot.insure/compare/baldwin-vs-hub-international/key-person) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs HUB International Kidnap and Ransom Insurance](https://spot.insure/compare/baldwin-vs-hub-international/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs HUB International Management Liability Insurance](https://spot.insure/compare/baldwin-vs-hub-international/management-liability) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/baldwin-vs-hub-international/representations-warranties) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs HUB International Surety Bonds](https://spot.insure/compare/baldwin-vs-hub-international/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/baldwin-vs-hub-international/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-hub-international/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Baldwin Group Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-baldwin/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-hub-international/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs The Baldwin Group Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs The Baldwin Group Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-baldwin/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-hub-international/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)

# The Baldwin Group vs HUB International: How Do They Compare for Professional Liability (E&O) Insurance?

HUB International lists professional liability for service firms and its comparison explains how the quoted terms differ.

## How to Use the The Baldwin Group vs HUB International Professional Liability (E&O) Insurance Comparison

Use this comparison to evaluate The Baldwin Group and HUB International for Professional Liability (E&O) Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## The Baldwin Group vs HUB International Professional Liability (E&O) Insurance Summary

HUB says its E&O policies can include prior-acts coverage and extended reporting, and may cover temporary staff and independent contractors. HUB asks policyholders to notify both broker and carrier promptly after an incident [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [8](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage")

## What Is the Baldwin Group?

Baldwin’s Insurance Advisory Solutions group describes commercial-risk and employee-benefit services for businesses and private-risk management for high-net-worth individuals and families; its business-insurance page outlines a five-step RiskMap process. [1](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm "The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025") [2](https://baldwin.com/business-insurance/ "Business Insurance")

[The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin)

## What Is HUB International?

HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. [4](https://www.hubinternational.com/about-us/ "About Us") [5](https://www.hubinternational.com/contact-us/ "Contact Us") [6](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## What Is Professional Errors and Omissions (E&O) Insurance?

Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [9](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [10](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [11](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [12](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance")

## What Are the Key Differences Between The Baldwin Group and HUB International Professional Liability (E&O) Insurance?

### HUB International: Coverage Structure

HUB says its E&O policies can include prior-acts coverage and extended reporting, and may cover temporary staff and independent contractors. The Baldwin Group lists E&O but does not state those terms. A firm changing providers should compare retroactive dates and tail options. [8](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services")

### HUB International: Buyer Scope

HUB asks policyholders to notify both broker and carrier promptly after an incident. The Baldwin Group describes claims advocacy for professional firms but no specific notice steps. Ask who receives notice and what documents are needed under each proposed policy. [8](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services")

## What Should You Confirm in The Baldwin Group and HUB International Professional Liability (E&O) Insurance Quotes?

- Ask HUB International to confirm your profession, services, and any applicable form exclusions or limits.
- Ask The Baldwin Group which carrier and policy form it proposes and request the applicable trigger, limits, and exclusions.

## The Baldwin Group vs HUB International Professional Liability (E&O) Compared

| Criteria | Baldwin Professional Liability and E&O Brokerage Advisory | HUB International Professional Liability (E&O) Insurance Brokerage |
| --- | --- | --- |
| Role in This Line | The source describes The Baldwin Group’s brokerage or advisory role for Professional Liability and E&O. It does not identify Baldwin as the risk-bearing insurer for a particular placement. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") (Evidence: Company-reported; scope: The cited company page describes its brokerage/advisory role and does not name the issuer for a buyer-specific placement..) | HUB brokers professional liability, which it also calls errors and omissions (E&O) insurance, rather than underwriting the coverage itself. [7](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [8](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..) |
| Issuing Insurer | Confirm in your quote. | Neither the professional liability nor the E&O product page names an issuing insurer; HUB places this coverage with insurers that vary by client and placement. [7](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [8](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Not found in reviewed sources; scope: Checked both pages on 2026-09-23; no carrier is disclosed on either..) |
| Who It’s For | Baldwin names accountants, architects, engineers, financial advisers, lawyers, management consultants and surveyors as professional-services clients. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") (Evidence: Company-reported; scope: This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability..) | 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. [7](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [8](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..) |
| Coverage Features | Baldwin lists professional liability/E&O coverage for its professional-services practice. The page does not define the professional services insured, covered errors, claims-made conditions, limits or exclusions. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") (Evidence: Company-reported; scope: The statement reports Baldwin’s marketed coverage or advisory description only. No individual quote, binder, policy form, schedule or endorsement was reviewed; policy entitlement and terms remain unknown..) | 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. [7](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. [8](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..) |
| Limits and Retentions | The reviewed source does not state a buyer-specific limit, retention, deductible or coverage schedule. Confirm the quote and issued policy or bond. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") (Evidence: Not publicly disclosed; scope: No buyer quote, binder, policy or bond form was available in the reviewed public sources..) | Confirm in your quote. |
| Risk Services | Baldwin describes tailored insurance and risk-mitigation solutions for professional firms and guidance on market shifts and business exposures. [3](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") (Evidence: Company-reported; scope: These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established..) | Confirm in your quote. |
| How to Apply | Confirm in your quote. | 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. [7](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [8](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..) |
| Claims Support | Confirm in your quote. | HUB's E&O page tells policyholders to notify their broker and carrier as soon as possible after an incident and submit documentation including a narrative of the events leading up to the claim. [8](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 claims-notification guidance; a general process description, not an outcome measurement..) |

## Related Pages for The Baldwin Group vs HUB International

- [The Baldwin Group vs HUB International](https://spot.insure/compare/baldwin-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.
- [The Baldwin Group vs HUB International Builders Risk Insurance](https://spot.insure/compare/baldwin-vs-hub-international/builders-risk)
- [The Baldwin Group vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/baldwin-vs-hub-international/cargo-transit)
- [The Baldwin Group vs HUB International Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-hub-international/commercial-auto)
- [The Baldwin Group vs HUB International Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-hub-international/commercial-property)
- [The Baldwin Group vs HUB International Crime Insurance](https://spot.insure/compare/baldwin-vs-hub-international/crime)
- [The Baldwin Group vs HUB International Cyber Insurance](https://spot.insure/compare/baldwin-vs-hub-international/cyber)
- [The Baldwin Group vs HUB International D&O Insurance](https://spot.insure/compare/baldwin-vs-hub-international/directors-officers)
- [The Baldwin Group vs HUB International Employee Health Benefits](https://spot.insure/compare/baldwin-vs-hub-international/employee-health-benefits)
- [The Baldwin Group vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-hub-international/employment-practices)
- [The Baldwin Group vs HUB International Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-hub-international/equipment-breakdown)
- [The Baldwin Group vs HUB International Fidelity Bonds](https://spot.insure/compare/baldwin-vs-hub-international/fidelity-bonds)
- [The Baldwin Group vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-hub-international/fiduciary)
- [The Baldwin Group vs HUB International General Liability Insurance](https://spot.insure/compare/baldwin-vs-hub-international/general-liability)
- [The Baldwin Group vs HUB International Inland Marine Insurance](https://spot.insure/compare/baldwin-vs-hub-international/inland-marine)
- [The Baldwin Group vs HUB International Key Person Insurance](https://spot.insure/compare/baldwin-vs-hub-international/key-person)
- [The Baldwin Group vs HUB International Kidnap and Ransom Insurance](https://spot.insure/compare/baldwin-vs-hub-international/kidnap-ransom)
- [The Baldwin Group vs HUB International Management Liability Insurance](https://spot.insure/compare/baldwin-vs-hub-international/management-liability)
- [The Baldwin Group vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/baldwin-vs-hub-international/representations-warranties)
- [The Baldwin Group vs HUB International Surety Bonds](https://spot.insure/compare/baldwin-vs-hub-international/surety-bonds)
- [The Baldwin Group vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/baldwin-vs-hub-international/umbrella-excess)
- [The Baldwin Group vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-hub-international/workers-compensation)
- [AIG vs The Baldwin Group Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-baldwin/professional-errors-omissions)
- [AIG vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-hub-international/professional-errors-omissions)
- [Alliance Risk vs The Baldwin Group Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/professional-errors-omissions)
- [Alliance Risk vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/professional-errors-omissions)
- [Aon vs The Baldwin Group Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-baldwin/professional-errors-omissions)
- [Aon vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-hub-international/professional-errors-omissions)

## Sources for The Baldwin Group vs HUB International

### Sources About The Baldwin Group

1. [The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm). U.S. Securities and Exchange Commission; filed by The Baldwin Insurance Group, Inc.; Part I, Item 1, “The Company,” lines 194–196; “Operating Groups,” lines 260–263; “Clients and Insurers,” lines 286–288; pp. 6–10; opened 2026-09-28.. Accessed 2026-09-28.
2. [Business Insurance](https://baldwin.com/business-insurance/). The Baldwin Group; RiskMap process, lines 40–68; Connect With Us consultation invitation, lines 182–187; accessed 2026-09-28.. Accessed 2026-09-28.
3. [Professional Liability Insurance & Services](https://baldwin.com/business-insurance/industries/professional-services/). The Baldwin Group; Professional-services customer population lines 35–64; coverage snapshot lines 68–84 lists property, general/professional liability, cyber, workers’ compensation, D&O, fiduciary, crime/fidelity bond, EPL, and IP liability; Employee benefits lines 93–95; accessed 2026-09-29.. Accessed 2026-09-30.

### Sources About HUB International

4. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
5. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
6. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
7. [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.
8. [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.

### Sources for the Professional Liability (E&O) Insurance Guide

9. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
10. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
11. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
12. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.

Updated 2026-09-30. 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.

## The Baldwin Group Review Scores for 2026

Review Score: not enough ratings.

The reviewed public sources do not establish a representative customer rating for The Baldwin Group’s commercial advisory business. BBB pages show different legal entities: an A+ regional insurance-agency grade with zero listed reviews and complaints for The Baldwin Group Mid-Atlantic, LLC, and an A- grade plus six complaints in three years for The Baldwin Group Personal Insurance, LLC. A 2026 personal-lines complaint describes delayed refund handling. A separate National General auto review mentions a Baldwin referral but concerns insurer policy administration. None of these observations supports a group-wide or commercial rating.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/baldwin/reviews).

## HUB International Review Scores for 2026

Review Score: 5.6 / 10 from 2 rated sources, equally weighted.

Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.

- BBB: BBB business grade A- (BBB letter grade). BBB profile for HUB International, Chicago headquarters and its corporate-owned locations (United States). HUB is a global broker; BBB coverage is US/Canada and split by office profile. Period: current page, accessed 2026-09-29; 3 complaints closed in last 3 years. Checked 2026-09-29. [HUB International | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202)
- BBB customer reviews: BBB customer reviews 1 (out of 5); 7 reviews. Customer reviews left on the same BBB headquarters profile (HQ and corporate-owned US locations). Small sample. Checked 2026-09-29. [HUB International | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202/customer-reviews)
- BBB Canada West: BBB business grade A- (BBB letter grade). BBB profile for HUB International Canada West ULC, Burnaby BC. Covers one Canadian regional entity only, not the whole group. Period: current page; 13 complaints closed in last 3 years; 3 customer reviews. Checked 2026-09-29. [HUB International Canada West ULC | BBB Reviews](https://www.bbb.org/ca/bc/burnaby/profile/insurance-services-office/hub-international-insurance-brokers-hub-coastal-0037-120326/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/hub-international/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/baldwin-vs-hub-international/professional-errors-omissions.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)