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

HUB International brokers E&O, customizing it to business size, industry, location and desired limits through a broker conversation. Chubb is the underwriter, with Pro ERM packaging professional, media and cyber cover.

Chubb underwrites Pro ERM as a bundled policy for non-licensed professional-services firms, listing specific product features like professional disciplinary proceedings coverage. HUB brokers standalone professional liability/E&O for industries including accounting, architecture, engineering and healthcare. ^1,^3,⁴

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

Underwriter Versus Broker

Chubb underwrites Pro ERM directly, bundling professional liability with media and cyber cover for non-licensed professional-services firms. HUB places professional liability, which it also calls errors and omissions insurance, with outside carriers rather than underwriting it, and neither of its two reviewed product pages names an issuing insurer. ¹ ³

When comparing Chubb and HUB International, decide whether you want direct access to an insurer or a broker who can help structure and shop the placement.

Coverage Structure

Chubb lists specific Pro ERM add-ons over a base E&O form: personal-injury claims from professional services, coverage for independent contractors, automatic additional-insured status for clients, and coverage for professional disciplinary proceedings. HUB describes its E&O placements as typically claims-made with per-claim and aggregate limits, available with prior-acts coverage back to a retroactive date and tail coverage for an extended reporting period, and says intentional acts and employment claims are typically excluded. ¹ ⁴

Who Each One Targets

Chubb names a defined set of non-licensed professional-services buyers for Pro ERM, including consultants, event planners, design firms, marketing and PR firms, staffing firms, travel agents and trustees. HUB names a broader mix of licensed and unlicensed fields it serves, including accounting, architecture, creative, dental, engineering, financial, medical, media and technology businesses. ¹ ⁴

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

Ask HUB which carrier it's placing your policy with, since neither reviewed page names one. ³
Ask Chubb for the Pro ERM liability limit and retention beyond its stated 100% worldwide defense-cost coverage. ¹
Confirm HUB's per-claim and aggregate limit options and retroactive date terms for your specific placement. ⁴
Ask whether your business fits Chubb's non-licensed professional-services eligibility or would need a different product for a licensed profession. ¹

Chubb vs HUB International Professional Liability (E&O) Compared

Chubb vs HUB International: Professional Liability (E&O) Insurance: documented features by provider

Criteria	Chubb Pro ERM (Professional Enterprise Risk Management)	HUB International Professional Liability (E&O) Insurance Brokerage
Who It’s For	Chubb says Pro ERM is available to non-licensed professional-services firms of all sizes, naming examples including associations, consultants, business process administrators, event planners, interior and graphic design firms, marketing and PR firms, printers, staffing firms, travel agents and trustees. ¹Company-reported. Pro ERM Target Clients list.	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. ^3,⁴Company-reported. Combined professional-liability and E&O industry lists; not a published underwriting appetite by state.
How to Apply	Agents and brokers can quote Pro ERM through Chubb's Cyber Central or Marketplace quoting platforms. ¹Company-reported. Cyber Insurance Coverage & Products page quoting section.	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. ^3,⁴Company-reported. Product-page call to action and customization description as read 2026-09-23.
Coverage Features	Beyond the Cyber ERM base, Chubb says Pro ERM adds E&O coverage including personal injury from professional services, a broadened definition of professional services that expressly includes professional technology services, coverage for independent contractors performing duties on the insured's behalf, automatic additional-insured status for clients when required by contract, and coverage for professional disciplinary proceedings. ¹Company-reported. Pro ERM Product Features list; subject to the policy as issued.	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. ³Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim. 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. ⁴Company-reported. E&O product-page structure description; specific limits and retroactive dates are set on the quote and declarations.
Role in This Line	Chubb underwrites professional errors and omissions coverage through Pro ERM, a single policy combining professional liability, media and cyber exposures for non-licensed professional-services firms. ¹Company-reported. Cyber Insurance Coverage & Products page, Professional Enterprise Risk Management section.	HUB brokers professional liability, which it also calls errors and omissions (E&O) insurance, rather than underwriting the coverage itself. ^3,⁴Company-reported. Professional liability and E&O product pages as read 2026-09-23; neither names an issuing insurer.