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

Chubb underwrites a bundled E&O, media and cyber policy for non-licensed firms; HUB brokers standalone E&O across a wider set of industries.

What Is Chubb?

Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. ^1,^2,³

Read the Chubb profile

What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. ^5,^6,⁷

Read the HUB International profile

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

Professional errors and omissions (E&O) insurance, also called professional liability insurance, addresses claims that professional services or advice caused a client financial loss. What's covered depends on the services actually scheduled in the policy, not the product label alone. ^10,^11,^12,¹³

Read the full coverage guide

Key Differences in 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. ³ ⁸

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. ³ ⁹

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. ³ ⁹

What to Confirm in Professional Liability (E&O) Insurance Quotes

Ask HUB which carrier it's placing your policy with, since neither reviewed page names one. ⁸
Ask Chubb for the Pro ERM liability limit and retention beyond its stated 100% worldwide defense-cost coverage. ³
Confirm HUB's per-claim and aggregate limit options and retroactive date terms for your specific placement. ⁹
Ask whether your business fits Chubb's non-licensed professional-services eligibility or would need a different product for a licensed profession. ³

Offering Details

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
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. ³Company-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. ^8,⁹Company-reported. Professional liability and E&O product pages as read 2026-09-23; neither names an issuing insurer.
Issuing Insurer	Not described in the reviewed sources.	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. ^8,⁹Not found in reviewed sources. Checked both pages on 2026-09-23; no carrier is disclosed on either.
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. ³Company-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. ^8,⁹Company-reported. Combined professional-liability and E&O industry lists; not a published underwriting appetite by state.
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. ³Company-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. ⁸Company-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. ⁹Company-reported. E&O product-page structure description; specific limits and retroactive dates are set on the quote and declarations.
Limits and Retentions	Chubb says Pro ERM includes coverage for 100% of defense costs for covered claims worldwide, but the reviewed page does not publish a separate liability limit or retention. ³Company-reported. Pro ERM Product Features list.	Not described in the reviewed sources.
Risk Services	Chubb says Pro ERM policyholders get access to legal counsel with extensive professional-liability experience, in addition to the general cyber-incident-response services shared with Cyber ERM. ³Company-reported. Pro ERM Product Features list.	Not described in the reviewed sources.
How to Apply	Agents and brokers can quote Pro ERM through Chubb's Cyber Central or Marketplace quoting platforms. ³Company-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. ^8,⁹Company-reported. Product-page call to action and customization description as read 2026-09-23.
Claims Support	Not described in the reviewed sources.	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. ⁹Company-reported. E&O product-page claims-notification guidance; a general process description, not an outcome measurement.

Full Comparison

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Sources

Chubb

Insurance For Technology Companies. Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
Terms Of Use. Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
Cyber Insurance Coverage & Products. Chubb; Professional Enterprise Risk Management section: target clients and product features beyond Cyber ERM. Accessed 2026-09-23.
Insurance for Software Product & System Developers. Chubb; Financial-lines coverage solutions list for software and systems developers. Accessed 2026-09-23.

HUB International

About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
Insurance for Technology Companies. 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.
Professional Liability Insurance Brokers. 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.
Errors and Omissions (E&O) Insurance Coverage. 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.

Professional Liability (E&O) Insurance Guide

FAQ: Professional liability insurance. 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.
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.
Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
Professional Liability – US Direct Errors and Omissions Insurance. 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.