Beazley vs HUB International: How Do They Compare for D&O Insurance?

HUB International brokers D&O for private, public, and nonprofit organizations and has attorney-led claims support; Beazley insures private-company policies up to $20 million.

Beazley insures private companies directly, with up to $20 million of capacity and a choice over who controls your defense. HUB brokers D&O for private, public and nonprofit organizations and puts its own attorneys on your side from policy wording through claim recovery. ^1,^2,^3,⁴

What Are the Key Differences Between Beazley and HUB International D&O Insurance?

One Insurer's Form vs a Broker Who Shops Several

With Beazley you get Beazley's own private-company policy wording. With HUB's ProEx practice you get a broker who takes your risk to insurers it doesn't name, so the policy wording and insurer depend on what the market offers that year. ¹ ³ ⁴ HUB covers public companies with shareholders and nonprofits with advisory boards; Beazley's product covers only privately held companies. ³ ¹ Choose Beazley if you are a private company that wants a known form with up to $20 million and defense-control options; choose HUB if you are public, a nonprofit, or want a broker to compare several insurers. ¹ ³

Broker Attorneys vs Insurer Claims Team

HUB's Claims & Legal Risks Group is staffed by attorneys who review policy wording before a claim and advocate for you through recovery. Beazley's own claims team works with defense counsel, and its policy includes pre-approved choice of counsel. ³ ¹ At claim time, HUB's lawyers work for you against the insurer; Beazley's team works for Beazley. If HUB places a Beazley policy, you get both.

What Should You Confirm in Beazley and HUB International D&O Insurance Quotes?

Ask HUB which insurers it would approach for your company type. ³
Ask Beazley for the quoted limit, whether Excess Side A is included and which defense option applies. ¹
Ask HUB whether its placed policy gives you a duty-to-defend or pay-on-behalf choice like Beazley's. ¹ ³
Ask how HUB's attorneys would work with the insurer's claims team after a claim. ³

Beazley vs HUB International D&O Insurance Compared

Beazley vs HUB International: D&O Insurance: documented features by provider

Criteria	Beazley D&O – Private Companies	HUB International Directors and Officers Insurance Brokerage
Who It’s For	The D&O page targets privately held companies of all sizes facing litigation such as employment allegations, fraud and misrepresentation claims, without a stated employee-count or revenue threshold on that page. ^1,²Company-reported. Private-company D&O only; ExecuGuard buyers can additionally choose to share limits across D&O, EPL and fiduciary coverages.	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	Beazley lists a downloadable EPL renewal application as a tool on the D&O page and names regional Executive Risk underwriters and brokers as contacts, but the reviewed page does not describe a self-service online quoting flow for new D&O business. ¹Company-reported. D&O - Private Companies product page as read on 2026-09-23; buyers typically work through a broker or underwriter contact.	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	The D&O product lets the policyholder choose between a "duty to defend" or "pay on behalf" claim-handling structure, and Beazley says it pays 100% of defense costs for covered loss. ¹Company-reported. D&O - Private Companies product page; actual defense obligations and cost-sharing are set by the issued policy. Beazley offers a dedicated additional Excess Side A limit for individual directors and officers, plus an optional employed-lawyers errors-and-omissions extension. ¹Company-reported. D&O - Private Companies product page; availability and pricing of the extension depend on underwriting.	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	Beazley underwrites private-company directors and officers (D&O) liability itself, offered as a standalone product on its D&O - Private Companies page and bundled with employment practices and fiduciary liability coverage in its ExecuGuard package policy. ^1,²Company-reported. US private-company D&O as described on the two reviewed product pages; does not establish which entity issues a particular policy.	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	D&O policyholders get pre-approved choice-of-counsel flexibility, and law-firm insureds can access a bespoke executive-risk wording through Beazley's related Practice Protect product. ¹Company-reported. D&O - Private Companies product page; scope and terms of the Practice Protect wording were not independently reviewed.	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.
Claims Support	Beazley illustrates its D&O claims approach with a securities class-action and shareholder derivative-action scenario in which its claims team worked with the insured's defense counsel toward a dismissal, avoiding a settlement; this is a single company-reported example, not audited claims-outcome data. ²Company-reported. ExecuGuard page scenario section; outcome statistics are not independently verified.	HUB describes a Claims & Legal Risks Group, staffed by attorneys who specialize in ProEx coverages including D&O, that provides management-liability claims support from pre-claim policy-wording review through claim recovery. ⁴Company-reported. ProEx page claims and legal support section.