Embroker vs HUB International D&O Insurance

Embroker sells D&O as a standalone policy and offers to package it with cyber and workers' compensation; it also says EPLI, D&O and related coverages are sometimes bundled into a management liability program. ⁴Company-reported. Product-page description; not a statement about the issuing insurer.

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. ^8,9Company-reported. D&O product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer.

Not described in the reviewed sources.

The D&O product page and the ProEx coverage list do not name an issuing insurer for D&O policies; HUB says ProEx places over $2 billion in premium with insurers it calls top-rated carriers, without naming them. ^8,9Not found in reviewed sources. Checked both pages on 2026-09-23; the carrier for a specific D&O placement depends on the quote.

Embroker markets D&O to any private or public company with a board of directors, startups that have received or are about to receive venture capital funding, and nonprofit corporations, saying VC and private equity investors commonly require it before funding. ⁴Company-reported. Product-page eligibility and 'Why Do Startups Need D&O Insurance?' sections; not a guarantee of coverage for a particular company.

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. ⁸Company-reported. D&O product page target-market description; not an underwriting appetite statement.

Embroker lists coverage for misuse of company funds, misrepresentation of company assets, breach of fiduciary duty, failure to comply with workplace laws and lack of corporate governance. ⁴Company-reported. Product-page What's covered section; the issued policy and declarations control.

Embroker says the policy excludes lawsuits between members of the same company, criminal or deliberately fraudulent activity, prior-knowledge claims, and claims against directors actively engaged in antitrust violations. ⁴Company-reported. Product-page What's not included section.

Embroker structures its D&O policy with three insuring agreements: Side A covers individual directors and officers when the company cannot indemnify them, Side B reimburses the company for indemnifying its leaders, and Side C covers the company itself when it is sued for financial mismanagement. ⁴Company-reported. Product-page 'What are Side A, B, and C insuring agreements?' section; specific policy structure, not a claim about every insurer's D&O form.

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. ⁸Company-reported. Product-page marketing description; the issued policy's insuring agreements, conditions and exclusions control an actual claim.

HUB says D&O claims it sees can come from regulators, donors, clients or customers, suppliers, competitors, employees, shareholders and creditors. ⁸Company-reported. Product-page list of potential claim sources; not a guarantee of coverage for any specific claimant.

For its startup package, Embroker publishes illustrative D&O/EPLI/fiduciary limit and retention ranges by funding stage, from roughly $1-2 million in limits with a $10-25k retention for companies raising up to $10 million, up to $8-10 million in limits with a $25-75k retention for companies raising $100-250 million. ⁴Company-reported. Product-page cost table for the Embroker Startup Package; actual limits, retentions and premiums depend on underwriting.

Published D&O policy limits or retentions were not found on the reviewed pages. ^8,9Not publicly disclosed. Checked the D&O product page and ProEx page on 2026-09-23; limits are set on the quote and declarations.

Not described in the reviewed sources.

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. ⁹Company-reported. ProEx page team and services description; not specific to a single D&O engagement.

Embroker offers an online quote for D&O coverage through its digital platform, describing underwriting factors including revenue, industry risk and claims history. ⁴Company-reported. Product-page 'Quick quotes' feature and cost-factor list; no quote was requested during this research.

HUB directs D&O prospects to "Connect With a Broker" rather than an online quote or bind flow. ⁸Company-reported. D&O product page call to action.

Not described in the reviewed sources.

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. ⁹Company-reported. ProEx page claims and legal support section.