Embroker vs HUB International Management Liability Insurance

Embroker designed EMIS as its own bundled management liability product, sold either as a bundle or as individual coverages, and distributes it directly to founders and finance leaders as well as through its broker network via Embroker Access. ⁴Company-reported. August 2026 launch announcement; company description of the product structure.

HUB brokers management liability coverage through its ProEx Professional & Executive Risk practice, packaging lines such as D&O, employment practices liability and fiduciary liability under an Executive Liability umbrella rather than underwriting any of them itself. ⁸Company-reported. ProEx page coverage list, read 2026-09-23; the page does not name an issuing insurer for any listed line.

Embroker names Everspan Indemnity Insurance Company (AM Best: A- Excellent) as the underwriter of EMIS, backed by what Embroker describes as a coalition of A-rated reinsurers it does not name. ⁴Company-reported. Launch announcement's 'About Embroker' section; this is a company statement, not an independently verified filing or program agreement.

HUB says ProEx places more than $2 billion in premium, which it says improves carrier negotiations, but does not name the insurers that issue management liability policies through the practice. ⁸Company-reported. ProEx page market-leverage statement; the carrier for a specific placement depends on the quote.

Embroker says EMIS is open to a broader set of private companies than its two prior management liability products, extending beyond technology into professional services, manufacturing, construction and wholesale trade, and covering companies from pre-revenue startups to established businesses. ⁴Company-reported. Launch announcement 'What's changing' section; the Tech E&O/Cyber component of the bundle is limited to eligible technology companies.

Not described in the reviewed sources.

Embroker bundles four coverages into one EMIS application: directors and officers liability, employment practices liability, fiduciary liability, and technology errors and omissions/cyber liability for eligible technology companies, and lets buyers select individual coverages or the full bundle. ⁴Company-reported. Launch announcement coverage list; the issued policy and declarations control, and this is the bundle structure, not standalone-line policy wording.

Embroker says EMIS replaces its two previous management liability products for new business; existing policyholders on the legacy products are not required to switch and can keep renewing them, but the legacy products are no longer sold to new customers. ⁴Company-reported. Launch announcement transition rules as of the announcement date; not a renewal guarantee for any individual policyholder.

HUB's ProEx Executive Liability coverages include directors and officers liability (D&O), side-A-only excess D&O, employment practices liability, fiduciary liability, employed lawyers errors and omissions, crime and fidelity coverage, kidnap, ransom and extortion insurance, and workplace violence coverage. ⁸Company-reported. ProEx page coverage list; the page describes the practice's catalogue, not the insuring agreements or exclusions of any one issued policy.

HUB's technology-industry page separately groups crime, D&O, employment practices liability, fiduciary liability and transactional or warranty insurance under "Management Liability" as coverages it arranges for technology clients, largely overlapping with the ProEx Executive Liability list. ⁷Company-reported. Technology-industry page People Protection and Management Liability lists; a marketing grouping, not a single bundled policy.

Not described in the reviewed sources.

Published management liability policy limits or retentions were not found on the reviewed pages. ^8,7Not publicly disclosed. Checked the ProEx page and technology-industry page on 2026-09-23; limits are set on the quote and declarations.

Not described in the reviewed sources.

HUB says ProEx provides an inclusive service model with analytics, litigation support and risk management across client sizes, a "boundaryless" account team of local, national and international specialists, and D&O modeling that incorporates ESG risk analysis alongside white papers, webinars and events on emerging exposures. ⁸Company-reported. ProEx page service-model and analytics sections.

Embroker says EMIS uses a single digital application and underwriting flow covering all four bundled coverages, replacing a multi-application process it says previously took days or weeks, and that applicants may get an underwriting response in the same session. ⁴Company-reported. Launch announcement description of the application flow; no application was submitted during this research, and actual turnaround depends on the specific submission.

Not described in the reviewed sources.

Not described in the reviewed sources.

HUB describes a Claims & Legal Risks Group of attorneys who specialize in ProEx coverages, handling policy-wording review and claim recovery for management liability claims. ⁸Company-reported. ProEx page claims and legal support section.