---
title: "Beazley vs HUB International: D&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/beazley-vs-hub-international/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "beazley-vs-hub-international"
provider-a: "beazley"
provider-b: "hub-international"
coverage-line: "directors-officers"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/beazley-vs-hub-international/directors-officers)

## Agent Guide

**What this page is:** Focused comparison of Beazley and HUB International for D&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 D&O Insurance questions about Beazley 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:**
- Beazley vs HUB International for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, Beazley or HUB International?
- What does Beazley or HUB International publish about D&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: D&O Insurance. Providers: Beazley 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 2026-09-29.

**Related pages:**
- [Beazley vs HUB International](https://spot.insure/compare/beazley-vs-hub-international) — all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works
- [Beazley profile](https://spot.insure/insurance-providers/beazley) — provider profile
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile

# 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 sells its own private-company D&O form with up to $20 million of capacity, while HUB shops D&O for private, public and nonprofit boards and backs claims with its own attorneys.

## Beazley vs HUB International D&O Insurance Summary

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](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") [2](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [3](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## 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](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") [3](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") HUB covers public companies with shareholders and nonprofits with advisory boards; Beazley's product covers only privately held companies. [3](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [1](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") 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](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") [3](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker")

### 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](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [1](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") 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](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker")
- Ask Beazley for the quoted limit, whether Excess Side A is included and which defense option applies. [1](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies")
- Ask HUB whether its placed policy gives you a duty-to-defend or pay-on-behalf choice like Beazley's. [1](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") [3](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker")
- Ask how HUB's attorneys would work with the insurer's claims team after a claim. [3](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker")

## Beazley vs HUB International D&O Insurance Compared

| 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](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") [2](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: 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. [3](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: 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. [1](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") (Evidence: Company-reported; scope: 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. [3](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: 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. [1](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") (Evidence: Company-reported; scope: D&O - Private Companies product page; actual defense obligations and cost-sharing are set by the issued policy..)<br><br>Beazley offers a dedicated additional Excess Side A limit for individual directors and officers, plus an optional employed-lawyers errors-and-omissions extension. [1](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") (Evidence: Company-reported; scope: 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. [3](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: Product-page marketing description; the issued policy's insuring agreements, conditions and exclusions control an actual claim..)<br><br>HUB says D&O claims it sees can come from regulators, donors, clients or customers, suppliers, competitors, employees, shareholders and creditors. [3](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: 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](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") [2](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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. [1](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/ "D&O - Private Companies") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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. [2](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page claims and legal support section..) |

## About Beazley and HUB International and D&O Insurance

- [Beazley company profile](https://spot.insure/insurance-providers/beazley) · [Beazley customer reviews](https://spot.insure/insurance-providers/beazley/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 Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers)

## Related Pages for Beazley vs HUB International D&O Insurance

- [Beazley vs HUB International](https://spot.insure/compare/beazley-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [Beazley D&O Insurance](https://spot.insure/insurance-providers/beazley/directors-officers)
- [HUB International D&O Insurance](https://spot.insure/insurance-providers/hub-international/directors-officers)

## Sources for Beazley vs HUB International D&O Insurance

### Sources About Beazley

1. [D&O - Private Companies](https://www.beazley.com/en-US/products/executive-risk-usa/do-private-companies/). Beazley; What we offer; How can we help: duty to defend/pay on behalf, 100% defense for covered loss, Excess Side A limit, private placement coverage, Practice Protect for lawyers; Up to US $20,000,000; Tools & Resources: EPL_RenewalApp. Accessed 2026-09-23.
2. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; What we offer: separate or shared limits among EPL, D&O and fiduciary; Limits up to US $20,000,000, both admitted and non-admitted available; Examples or Scenarios: California securities class action/derivative action. Accessed 2026-09-23.

### Sources About HUB International

3. [Directors and Officers (D&O) Liability Insurance Broker](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/). HUB International; Target segments: private companies, nonprofit organizations, public companies; Personal Asset Protection, Claims Protection, Workplace & Employment Protection; list of potential claimants; 2016 private-company D&O claim statistic; Connect With a Broker call to action. Accessed 2026-09-23.
4. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; ProEx Coverages list including Directors & Officers Liability (D&O) and Side-A Only Excess D&O under Executive Liability; Claims & Legal Support section; ProEx premium volume statement. Accessed 2026-09-23.

Updated 2026-09-29. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/beazley-vs-hub-international/directors-officers.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)