---
title: "Embroker vs HUB International: Management Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/embroker-vs-hub-international/management-liability"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "embroker-vs-hub-international"
provider-a: "embroker"
provider-b: "hub-international"
coverage-line: "management-liability"
---

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[Human-readable page](https://spot.insure/compare/embroker-vs-hub-international/management-liability)

## Agent Guide

**What this page is:** Focused comparison of Embroker and HUB International for Management Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Management Liability Insurance questions about Embroker versus HUB International. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Embroker vs HUB International for Management Liability Insurance: how do they differ?
- Which is better for Management Liability Insurance, Embroker or HUB International?
- What does Embroker or HUB International publish about Management Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Management Liability Insurance. Providers: Embroker and HUB International.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Embroker vs HUB International](https://spot.insure/compare/embroker-vs-hub-international) — all coverage lines for this pair
- [Management Liability Insurance guide](https://spot.insure/coverage/management-liability) — how this coverage works
- [Embroker profile](https://spot.insure/insurance-providers/embroker) — provider profile
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile

# 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 tech companies buy D&O, EPL, fiduciary and tech E&O/cyber through one online application; HUB is a broker that places Side A excess D&O, K&R and workplace-violence cover with attorney claims support.

## Embroker vs HUB International Management Liability Insurance Summary

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](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS: Streamlined Coverage") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## 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](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS: Streamlined Coverage") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

### 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](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS: Streamlined Coverage") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## What Should You Confirm in Embroker and HUB International Management Liability Insurance Quotes?

- Ask HUB to name the proposed insurer and send the policy form. [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [1](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS: Streamlined Coverage")
- If you hold an older Embroker policy, ask whether it stays in force or moves to EMIS at renewal. [1](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS: Streamlined Coverage")
- Ask both for limits and retentions, and whether EMIS's four coverages share one limit. [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [1](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS: Streamlined Coverage")

## Embroker vs HUB International Management Liability Insurance Compared

| 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. [1](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS: Streamlined Coverage") (Evidence: Company-reported; scope: Launch announcement coverage list; the issued policy and declarations control, and this is the bundle structure, not standalone-line policy wording..)<br><br>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. [1](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS: Streamlined Coverage") (Evidence: Company-reported; scope: 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. [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page coverage list; the page describes the practice's catalogue, not the insuring agreements or exclusions of any one issued policy..)<br><br>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. [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: 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. [1](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS: Streamlined Coverage") (Evidence: Company-reported; scope: 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. [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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. [1](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS: Streamlined Coverage") (Evidence: Company-reported; scope: 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. [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page market-leverage statement; the carrier for a specific placement depends on the quote..) |

## About Embroker and HUB International and Management Liability

- [Embroker company profile](https://spot.insure/insurance-providers/embroker) · [Embroker customer reviews](https://spot.insure/insurance-providers/embroker/reviews)
- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [What Is Management Liability Insurance?](https://spot.insure/coverage/management-liability)

## Related Pages for Embroker vs HUB International Management Liability

- [Embroker vs HUB International](https://spot.insure/compare/embroker-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Management Liability Insurance?](https://spot.insure/coverage/management-liability): Management liability packages can combine D&O, employment-practices and fiduciary coverage, but each part can insure different people, claims and limits.
- [Embroker Management Liability Insurance](https://spot.insure/insurance-providers/embroker/management-liability)
- [HUB International Management Liability Insurance](https://spot.insure/insurance-providers/hub-international/management-liability)

## Sources for Embroker vs HUB International

### Sources About Embroker

1. [Embroker Launches EMIS: Streamlined Coverage](https://www.embroker.com/blog/embroker-launches-emis/). Embroker; Announcement dated 08/19/2026; What's changing; quotes from Andy Lea, Chief Insurance Officer; Availability; About Embroker insurer disclosure. Accessed 2026-09-23.

### Sources About HUB International

2. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; Executive Liability coverage list: D&O, Side-A Only Excess D&O, Employment Practices Liability, Fiduciary Liability, Employed Lawyers E&O, Crime/Fidelity, Kidnap Ransom and Extortion, Workplace Violence; Inclusive Service Model, Boundaryless Account Team, Market Leverage and Claims & Legal Support sections; analytics and thought-leadership description. Accessed 2026-09-23.
3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Management Liability list: crime, directors & officers liability, employment practices liability, fiduciary liability, transactional/warranty insurance. Accessed 2026-09-23.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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