---
title: "CFC vs HUB International: Professional Liability (E&O) Insurance"
description: "HUB names law and financial-advisory firms among typical E&O buyers; CFC ordinarily declines both professions."
canonical: "https://spot.insure/compare/cfc-vs-hub-international/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "cfc-vs-hub-international"
provider-a: "cfc"
provider-b: "hub-international"
coverage-line: "professional-errors-omissions"
---

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

## Agent Guide

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

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: CFC 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:**
- [CFC vs HUB International](https://spot.insure/compare/cfc-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
- [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile

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

HUB International brokers E&O through a conversation with a broker, tailored to size, industry and desired limits, with no online quote flow described. CFC sells a package policy that can also be traded through its Connect platform, up to $10 million.

Law and financial-advisory firms are named HUB E&O buyers, while CFC ordinarily declines those professions.

## CFC vs HUB International Professional Liability (E&O) Insurance Summary

HUB names law and financial-advisory firms among typical E&O buyers; CFC ordinarily declines both professions. [4](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [5](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States")

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

### Covering Contractors and Temporary Staff

HUB says its E&O coverage can extend to independent contractors and temporary staff performing work for your business. [5](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") CFC describes coverage for the vicarious liability you bear for subcontractors under the policy’s insuring agreement. [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") Ask whether the wording covers your own liability for contractor work and the contractor’s liability.

### Reaching a Quote

HUB directs prospects to a broker for customized coverage; its page does not offer an online quote flow. [4](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") CFC can be quoted digitally through Connect or API partners, as well as through brokers. [1](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") Choose the channel that fits how you want to buy.

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

- If your business is a law firm or financial advisor, ask HUB whether its program covers your exact services; CFC lists both professions as ordinarily declined. [4](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States")
- Ask HUB for available limits and retention; its reviewed page does not publish figures. [4](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers")
- Ask CFC for its full limits table and confirm how contractor and subcontractor work is treated. [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States")
- Request the insurer and policy wording for each quote; the reviewed pages do not name the issuing insurer. [4](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [1](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability")

## CFC vs HUB International Professional Liability (E&O) Compared

| Criteria | CFC Professional Services | HUB International Professional Liability (E&O) Insurance Brokerage |
| --- | --- | --- |
| Who It’s For | CFC says it favors business, educational, environmental, food, HR, market-research, quality-assurance, security and traffic consultants, event organisers, freight brokers, loss adjusters, private investigators and trade associations, and ordinarily declines debt collectors, financial advisors, health and safety consultants, insurance agents, lawyers, mortgage brokers, pre-purchase home inspectors, stockbrokers, tour operators and valuers. [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Company-reported; scope: Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting..) | 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. [4](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [5](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 | CFC publishes a dedicated application form for this policy and also says its professional liability class can be traded directly through its Connect platform or through named API partners, in addition to the standard broker-submitted application. [1](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") (Evidence: Company-reported; scope: Professional liability product page's downloads and "Digitally traded" sections; not confirmed specifically for the professions/miscellaneous professional liability product versus the class as a whole..) | 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. [4](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [5](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 | CFC says the E&O cover includes breach of contract, bodily injury, property damage, vicarious liability of subcontractors, IP infringement, pollution liability, libel, slander, defamation, document loss and withheld fees, with worldwide legal cover. [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Company-reported; scope: Brochure's "Comprehensive errors & omissions cover" and "Comprehensive legal cover" sections; exact wording and exclusions are set by the policy as issued..)<br><br>Businesses can add a separate commercial general liability limit, property, and cyber and privacy liability to the E&O policy, plus optional umbrella liability that sits over the E&O and CGL layers. [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Company-reported; scope: Brochure's "Modular package policy" and "Umbrella liability" sections; availability depends on underwriting..) | 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. [4](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. [5](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 | CFC sells professional errors & omissions as a modular package policy it calls "Professional services" (branded on the brochure as "Miscellaneous professional liability"), which pairs E&O with optional general liability, property and cyber add-ons rather than selling E&O alone. [1](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") [2](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf "Miscellaneous professional liability | Product brochure | United States") (Evidence: Company-reported; scope: Professional liability product page's "Professional services" tile and the miscellaneous professional liability brochure..) | HUB brokers professional liability, which it also calls errors and omissions (E&O) insurance, rather than underwriting the coverage itself. [4](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [5](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..) |
| Claims Support | CFC lists a named Claims Manager for Professions on its claims team, indicating professional-liability claims are routed to a dedicated professions unit rather than a generalist adjuster. [3](https://www.cfc.com/en-us/claims/ "Claims") (Evidence: Company-reported; scope: CFC's claims page team listing; the page does not publish claim volumes or turnaround times specific to this product..) | 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. [5](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..) |

## About CFC and HUB International and Professional Liability (E&O)

- [CFC company profile](https://spot.insure/insurance-providers/cfc) · [CFC customer reviews](https://spot.insure/insurance-providers/cfc/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 CFC vs HUB International

- [CFC vs HUB International](https://spot.insure/compare/cfc-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.
- [CFC Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/cfc/professional-errors-omissions)
- [HUB International Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/hub-international/professional-errors-omissions)

## Sources for CFC vs HUB International

### Sources About CFC

1. [Professional liability](https://www.cfc.com/en-us/products/class/professional-liability/). CFC; Professional services tile description; Digitally traded Connect section; downloads (brochure, application form). Accessed 2026-09-23.
2. [Miscellaneous professional liability | Product brochure | United States](https://www.cfc.com/media/n0sbwydf/professions_product-brochure_us_0825.pdf). CFC; Comprehensive errors & omissions cover; Modular package policy; Umbrella liability; At a glance: What we love / What we ordinarily decline; Optional extras; Limits, deductibles, premiums, revenue threshold. Accessed 2026-09-23.
3. [Claims](https://www.cfc.com/en-us/claims/). CFC; Our claims team: Professions team, led by Laura Bennett, Claims Manager, Professions Claims & Kidnap, War & Piracy (KWP). Accessed 2026-09-23.

### Sources About HUB International

4. [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.
5. [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 2026-09-29. 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.

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