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

HUB describes claims-made structure with tail and prior-acts coverage; Corgi's Miscellaneous E&O page describes neither structure nor a claims process.

What Is Corgi Insurance?

Corgi Insurance sells commercial coverage to technology startups through stage-based packages (pre-seed and seed, Series A, and growth stage) that combine general liability, directors and officers, technology E&O, cyber, and related lines, alongside a growing small-business product line for other industries. Coverage may be issued by Corgi’s own risk retention group, an affiliated admitted carrier, or a partner insurer, so the issuing entity and available protections depend on the specific product and state. ^1,^2,^3,^4,⁵

Read the Corgi 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. ^7,^8,⁹

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. ^12,^13,^14,¹⁵

Read the full coverage guide

Key Differences in Professional Liability (E&O) Insurance

Published Policy Structure Versus a Bare Product Listing

HUB describes the policy structure it typically arranges for this line: claims-made with per-claim and aggregate limits, a retroactive date for prior-acts coverage, and optional tail coverage for an extended reporting period. ¹¹ Corgi's Miscellaneous E&O listing describes none of that structure; the card names the product and a turnaround window without describing claims-made terms, retroactive dates or tail options. ⁶

What Happens After a Claim

HUB 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:

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. ¹¹Company-reported. E&O product-page claims-notification guidance; a general process description, not an outcome measurement.

Corgi's reviewed pages don't describe a claims-reporting process for Miscellaneous E&O at all. ⁶

Who Each Company Is Set Up to Serve

HUB names accounting, law, medical, financial-advisory, real estate, architecture and engineering, consulting, contracting and technology businesses as typical buyers for this line. ¹⁰ Corgi instead sells one Miscellaneous E&O product for service-based businesses generally, kept separate from its own named Tech E&O, Real Estate E&O and Lawyer E&O products rather than aimed at specific named industries. ⁶

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

Ask HUB for the specific per-claim and aggregate limits and retroactive date on your quote, since the page describes the structure generally without figures. ¹¹
Ask Corgi for a written claims-notification process, since its reviewed pages don't describe one for Miscellaneous E&O. ⁶
Get the issuing carrier from both; HUB says it varies by client and placement, and Corgi's disclosures name multiple possible carriers without identifying one. ¹⁰ ¹
Ask HUB whether tail coverage is included or priced separately if you later stop the policy. ¹¹

Offering Details

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

Criteria	Corgi Miscellaneous E&O	HUB International Professional Liability (E&O) Insurance Brokerage
Role in This Line	Corgi lists Miscellaneous E&O as a specialty coverage quoted with a 1-14 day turnaround, separate from its instant-quote Tech & AI Liability product and from its Real Estate E&O and Lawyer E&O products, which target specific professions. ^2,⁶Company-reported. Homepage and startup-insurance page policy-card labeling as of 2026-09-23. No dedicated product page was found; direct URL guesses (/miscellaneous-errors-and-omissions, /misc-eo) returned 404s.	HUB brokers professional liability, which it also calls errors and omissions (E&O) insurance, rather than underwriting the coverage itself. ^10,¹¹Company-reported. Professional liability and E&O product pages as read 2026-09-23; neither names an issuing insurer.
Issuing Insurer	No page names the carrier that issues Miscellaneous E&O coverage. Corgi's general disclosures say coverage may be underwritten by affiliated carriers, including Technology Risk Retention Group, or by third-party partner carriers depending on product, jurisdiction, and risk profile, without identifying which applies to this line. ¹Not publicly disclosed. Disclaimers page general underwriting disclosure, checked for a line-specific statement and finding none as of 2026-09-23.	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. ^10,¹¹Not found in reviewed sources. Checked both pages on 2026-09-23; no carrier is disclosed on either.
Who It’s For	Corgi targets Miscellaneous E&O at service-based businesses generally, positioned as a catch-all for professional-liability exposure not covered by its technology-, real-estate-, or legal-specific E&O products. ^2,⁶Company-reported. Catalog description; no industry, size, or state restrictions are published for this line.	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. ^10,¹¹Company-reported. Combined professional-liability and E&O industry lists; not a published underwriting appetite by state.
Coverage Features	Corgi describes Miscellaneous E&O as broad professional liability coverage for service-based businesses facing claims of negligence, errors, or failure to perform professional services, distinct from its named Tech E&O, Real Estate E&O, and Lawyer E&O products. ^2,⁶Company-reported. One-sentence catalog description; no policy form, insuring agreement, exclusion, or claims-made/occurrence trigger is published for this line.	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. ¹⁰Company-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. ¹¹Company-reported. E&O product-page structure description; specific limits and retroactive dates are set on the quote and declarations.
Limits and Retentions	No limit, retention, or illustrative policy structure is published for Miscellaneous E&O, unlike Corgi's Tech E&O and Umbrella pages, which show example limits. ^2,⁶Not publicly disclosed. Reviewed pages as of 2026-09-23; limits would appear on an actual quote.	Not described in the reviewed sources.
Risk Services	The reviewed pages do not describe risk-management or claims-handling services specific to Miscellaneous E&O policyholders. ^2,⁶Not found in reviewed sources. Homepage and startup-insurance page as read on 2026-09-23; general claims-handling disclosures on the disclaimers page are not specific to this line.	Not described in the reviewed sources.
How to Apply	Miscellaneous E&O sits outside Corgi's instant-quote flow; the site groups it with policies quoted in 1-14 days rather than through the self-serve online application used for its core coverages. ^2,⁶Company-reported. Homepage and startup-insurance page policy-card labeling.	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. ^10,¹¹Company-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. ¹¹Company-reported. E&O product-page claims-notification guidance; a general process description, not an outcome measurement.

Full Comparison

More Corgi vs HUB International Comparisons

Other Professional Liability (E&O) Insurance Comparisons

Sources

Corgi

Disclaimers & Licensing. Corgi Insurance; Carrier Financial Strength; How Insurance Is Provided Through Corgi; Specialty Insurance Carrier and Underwriting Disclosures. Accessed 2026-09-23.
Corgi Insurance: Startup Insurance, Quoted in Minutes. Corgi Insurance; Explore Our Main Policies list: "1-14 days turnaround Miscellaneous E&O" card, alongside Real Estate E&O and Lawyer E&O as separate professional-liability products. Accessed 2026-09-23.
Corgi Insurance Launches Admitted Insurance Carrier. PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
NAIC Listing of Companies. National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
Insurance Topics: Risk Retention Groups. National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15.
Startup Insurance | Corgi Insurance. Corgi Insurance; Specialized Coverages section: "1-14 days turnaround Miscellaneous E&O — Broad professional liability coverage for service-based businesses facing claims of negligence, errors, or failure to perform professional services.". 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.