Embroker vs 
HUB International: How Do They Compare for Management Liability Insurance?
Embroker built EMIS as its own product, sold directly through one digital application; HUB International is a broker that places management liability through ProEx without underwriting it.
Embroker's EMIS lets eligible tech companies buy D&O, employment practices, fiduciary and tech E&O/cyber through one online application; HUB is a broker for companies that need Side A excess D&O, employed-lawyer cover, K&R or workplace violence. HUB adds in-house attorneys at claim time. 1,2
What Are the Key Differences Between Embroker and HUB International Management Liability Insurance?
One Online Bundle for Tech Companies vs a Broker's Specialty Menu
Embroker designed EMIS to combine D&O, employment practices, fiduciary and technology E&O/cyber for eligible tech companies, through a single digital application sold to founders directly and through brokers. HUB's ProEx practice brokers executive liability, including Side A-only excess D&O, employed-lawyers E&O, crime, kidnap/ransom/extortion and workplace violence, but doesn't list tech E&O/cyber there. Choose Embroker if you're a tech startup that wants management and tech E&O/cyber cover in one online purchase; choose HUB if you need Side A, K&R or workplace-violence cover placed by a specialist team. 1 2
Named Insurer vs Broker Attorneys
Embroker names Everspan Indemnity Insurance Company as EMIS's insurer and says EMIS replaces two earlier products for new business. HUB names no insurer but gives you a Claims & Legal Risks Group of attorneys and cites more than $2 billion in placed premium as negotiating leverage. With Embroker you know the claims payer before you buy; with HUB you get lawyers on your side after a claim. 1 2
What Should You Confirm in Embroker and HUB International Management Liability Insurance Quotes?
Embroker vs HUB International Management Liability Insurance Compared
Embroker vs HUB International: Management Liability Insurance: documented features by provider
| Criteria | Embroker Management Insurance Suite (EMIS) | HUB ProEx Management Liability Insurance Brokerage |
|---|---|---|
| Coverage Features | 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. 1Company-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. 1Company-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. 2Company-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. 3Company-reported. Technology-industry page People Protection and Management Liability lists; a marketing grouping, not a single bundled policy. |
| Role in This Line | 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. 1Company-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. 2Company-reported. ProEx page coverage list, read 2026-09-23; the page does not name an issuing insurer for any listed line. |
| Issuing Insurer | 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. 1Company-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. 2Company-reported. ProEx page market-leverage statement; the carrier for a specific placement depends on the quote. |
