Embroker vs HUB International: How Do They Compare for D&O Insurance?

Embroker sells standalone D&O policies online, while HUB International brokers coverage for private, public, and nonprofit organizations and offers a specialist claims support group.

Embroker quotes D&O online and publishes what it covers, what it excludes and sample startup limits by funding stage. HUB's ProEx practice brokers D&O for private, nonprofit and public companies, with attorneys who help from reviewing policy wording to recovering on a claim. ^1,^2,³

What Are the Key Differences Between Embroker and HUB International D&O Insurance?

Quote Online vs Talk to a Broker

Embroker sells D&O to companies with a board, venture-backed startups and nonprofits through its digital platform. ¹ HUB has no online quote: you use "Connect With a Broker," and its ProEx practice places your policy with insurers and adds analytics and litigation support. ² ³ Choose Embroker if you're a venture-backed startup that wants to compare terms and price online; choose HUB if you're a public company or want a broker's attorneys involved before and after a claim. ¹ ³

Published Coverage Terms vs Who Can Sue You

Embroker lists what's covered (misuse of funds, misrepresenting assets, breach of fiduciary duty, workplace-law violations, poor corporate governance) and what isn't (suits between insureds, criminal or fraudulent acts, matters you already knew about, and antitrust). Its startup package also shows D&O/EPLI/fiduciary limits and retentions by funding stage. ¹ HUB publishes no limits. It lists who might sue your leaders (regulators, donors, clients, suppliers, competitors, employees, shareholders and creditors) and covers personal assets, defense in civil, criminal, regulatory and arbitration proceedings, and employment claims. ²

What Should You Confirm in Embroker and HUB International D&O Insurance Quotes?

Ask HUB which insurer would issue your policy; ProEx doesn't name its insurers. ³
Ask Embroker whether D&O shares one limit with EPLI and fiduciary in the startup package. ¹
Ask how HUB's claims attorneys would handle a notice compared with Embroker's claims process. ³ ¹
Read Embroker's exclusions on the sample policy before you bind. ¹

Embroker vs HUB International D&O Insurance Compared

Embroker vs HUB International: D&O Insurance: documented features by provider

Criteria	Embroker Directors and Officers Insurance	HUB International Directors and Officers Insurance Brokerage
Who It’s For	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. ¹Company-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. ²Company-reported. D&O product page target-market description; not an underwriting appetite statement.
How to Apply	Embroker offers an online quote for D&O coverage through its digital platform, describing underwriting factors including revenue, industry risk and claims history. ¹Company-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. ²Company-reported. D&O product page call to action.
Coverage Features	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. ¹Company-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. ¹Company-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. ¹Company-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. ²Company-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. ²Company-reported. Product-page list of potential claim sources; not a guarantee of coverage for any specific claimant.
Role in This Line	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. ¹Company-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. ^2,³Company-reported. D&O product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer.