--- title: "Embroker vs HUB International Professional Liability (E&O) Insurance" description: "Embroker sells professional liability, also called errors and omissions insurance, as a standalone product for professional-services. HUB brokers professional liability, which it also calls errors and omissions (E&O) insurance, rather than underwriting." canonical: "https://spot.insure/compare/embroker-vs-hub-international/professional-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/embroker-vs-hub-international/professional-errors-omissions) # Embroker vs HUB International Professional Liability (E&O) Insurance Embroker sells professional liability, also called errors and omissions insurance, as a standalone product for professional-services. HUB brokers professional liability, which it also calls errors and omissions (E&O) insurance, rather than underwriting. ## Research Scope and Use Use this comparison to evaluate Embroker and HUB International for Professional Liability (E&O) Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Embroker sells professional liability, also called errors and omissions insurance, as a standalone product for professional-services businesses, separate from its lawyers professional liability program and its. HUB brokers professional liability, which it also calls errors and omissions (E&O) insurance, rather than underwriting the coverage itself. [4](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") [8](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [9](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") ## What Is Embroker? Embroker is a business insurance broker and online platform serving startups, technology companies and professional-services firms, with proprietary programs and broker-assisted placements. [1](https://www.embroker.com/ "Embroker") [2](https://www.embroker.com/terms/ "Terms And Conditions") [3](https://access.embroker.com/ "Embroker Access") [Embroker profile](https://spot.insure/insurance-providers/embroker) ## What Is HUB International? HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [5](https://www.hubinternational.com/about-us/ "About Us") [6](https://www.hubinternational.com/contact-us/ "Contact Us") [7](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [HUB International profile](https://spot.insure/insurance-providers/hub-international) ## What Is Professional Errors and Omissions (E&O) Insurance? Professional errors and omissions (E&O) insurance, also called professional liability insurance, addresses claims that professional services or advice caused a client financial loss. What's covered depends on the services actually scheduled in the policy, not the product label alone. [10](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [11](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [12](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [13](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance") ## Key Differences in Professional Liability (E&O) Insurance ### Who Places or Issues the Policy For this pair, Embroker sells professional liability, also called errors and omissions insurance, as a standalone product for professional-services businesses, separate from its lawyers professional liability program and its bundled technology E&O/cyber product. [4](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") HUB brokers professional liability, which it also calls errors and omissions (E&O) insurance, rather than underwriting the coverage itself. HUB says professional liability/E&O policies it arranges can cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful business practices, misleading advice and conflict of interest, plus libel, slander or lost-profit claims; intentional acts and employment claims are typically excluded. [8](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page coverage description; the issued policy and its exclusions control an actual claim..) ### What the Policy Is Said to Cover Embroker lists coverage for claims of errors, omissions or negligence, failing to meet expected standards or deadlines, false or misleading statements, breach of contractual obligations, and attorney fees from covered claims. [4](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") HUB says professional liability/E&O policies it arranges can cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful business practices, misleading advice and conflict of interest, plus libel, slander or lost-profit claims. [8](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") ### Buying Path Embroker offers an online quote for professional liability through its digital platform, describing underwriting factors including business size, industry risk, location and claims history. [4](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") HUB directs prospects to connect with a broker; the pages describe professional liability/E&O policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. [8](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") ## What to Confirm in Professional Liability (E&O) Insurance Quotes - Ask Embroker which insurer would issue this professional errors omissions quote if the record does not name one. [4](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") - Ask HUB which insurer would issue its professional errors omissions quote. [8](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") - Compare Embroker and HUB limits, deductibles and any bundle with other lines before you bind. [4](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") [8](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") ## Offering Details | Criteria | Embroker Professional Liability Insurance | HUB International Professional Liability (E&O) Insurance Brokerage | | --- | --- | --- | | Role in This Line | Embroker sells professional liability, also called errors and omissions insurance, as a standalone product for professional-services businesses, separate from its lawyers professional liability program and its bundled technology E&O/cyber product. [4](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") (Evidence: Company-reported; scope: Product-page description; not a statement about the issuing insurer..) | HUB brokers professional liability, which it also calls errors and omissions (E&O) insurance, rather than underwriting the coverage itself. [8](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [9](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: Professional liability and E&O product pages as read 2026-09-23; neither names an issuing insurer..) | | Issuing Insurer | Not described in the reviewed sources. | Neither the professional liability nor the E&O product page names an issuing insurer; HUB places this coverage with insurers that vary by client and placement. [8](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [9](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Not found in reviewed sources; scope: Checked both pages on 2026-09-23; no carrier is disclosed on either..) | | Who It’s For | Embroker markets the policy to anyone who provides professional advice or services for a fee, listing accountants, bookkeepers, consultants, real estate agents, home inspectors, and IT and healthcare professionals as example buyers, while noting lawyers and doctors typically use specialized malpractice coverage instead. [4](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") (Evidence: Company-reported; scope: Product-page eligibility and industry-example sections; not a guarantee of coverage for a particular business..) | HUB names accounting, law, medical, financial-advisory, real estate, architecture and engineering, consulting, and contracting businesses as typical E&O buyers, and separately lists technology among nine industries its E&O practice serves. [8](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [9](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: Combined professional-liability and E&O industry lists; not a published underwriting appetite by state..) | | Coverage Features | Embroker lists coverage for claims of errors, omissions or negligence, failing to meet expected standards or deadlines, false or misleading statements, breach of contractual obligations, and attorney fees from covered claims. [4](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") (Evidence: Company-reported; scope: Product-page What's covered section; the issued policy and declarations control..)

Embroker says the policy does not cover personal injury or property damage (handled by general liability), cyberattacks and data breaches (some tech E&O policies offer limited cyber coverage, but full protection needs a separate cyber policy), employee injuries, or employee discrimination claims (handled by EPLI). [4](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") (Evidence: Company-reported; scope: Product-page What's not included and 'Do I need Professional Liability insurance if I already have General Liability coverage?' sections..) | HUB says professional liability/E&O policies it arranges can cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful business practices, misleading advice and conflict of interest, plus libel, slander or lost-profit claims; intentional acts and employment claims are typically excluded. [8](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page coverage description; the issued policy and its exclusions control an actual claim..)

HUB says E&O policies are typically claims-made with per-claim and aggregate limits, can be structured with prior-acts coverage back to a retroactive date, and can offer tail coverage for an extended reporting period; coverage can extend to independent contractors and temporary staff performing work for the business. [9](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: E&O product-page structure description; specific limits and retroactive dates are set on the quote and declarations..) | | Limits and Retentions | Embroker says the policy carries a deductible, that a higher deductible generally lowers the premium, and that buyers can choose an aggregate (once-annually capped) deductible or a first-dollar-defense option that applies the deductible only to damages, not legal costs. [4](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") (Evidence: Company-reported; scope: Product-page 'Does it have a deductible?' section; specific dollar limits and deductible amounts are not published and depend on underwriting..) | Not described in the reviewed sources. | | How to Apply | Embroker offers an online quote for professional liability through its digital platform, describing underwriting factors including business size, industry risk, location and claims history. [4](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") (Evidence: Company-reported; scope: Product-page 'Quick quotes' feature and cost-factor list; no quote was requested during this research..) | HUB directs prospects to connect with a broker; the pages describe professional liability/E&O policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. [8](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [9](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: Product-page call to action and customization description as read 2026-09-23..) | | Claims Support | Not described in the reviewed sources. | HUB's E&O page tells policyholders to notify their broker and carrier as soon as possible after an incident and submit documentation including a narrative of the events leading up to the claim. [9](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: E&O product-page claims-notification guidance; a general process description, not an outcome measurement..) | ## Full Comparison - [Embroker vs HUB International](https://spot.insure/compare/embroker-vs-hub-international): all coverage lines, business roles, service and claims. - [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional E&O insurance addresses claims that a mistake in your advice or services caused a client financial loss. - [Embroker vs HUB International Business Owner’s Policy](https://spot.insure/compare/embroker-vs-hub-international/business-owners-policy) - [Embroker vs HUB International Commercial Auto Insurance](https://spot.insure/compare/embroker-vs-hub-international/commercial-auto) - [Embroker vs HUB International Commercial Property Insurance](https://spot.insure/compare/embroker-vs-hub-international/commercial-property) - [Embroker vs HUB International Crime Insurance](https://spot.insure/compare/embroker-vs-hub-international/crime) - [Embroker vs HUB International Cyber Insurance](https://spot.insure/compare/embroker-vs-hub-international/cyber) - [Embroker vs HUB International D&O Insurance](https://spot.insure/compare/embroker-vs-hub-international/directors-officers) - [Embroker vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/embroker-vs-hub-international/employment-practices) - [Embroker vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/embroker-vs-hub-international/fiduciary) - [Embroker vs HUB International General Liability Insurance](https://spot.insure/compare/embroker-vs-hub-international/general-liability) - [Embroker vs HUB International Key Person Insurance](https://spot.insure/compare/embroker-vs-hub-international/key-person) - [Embroker vs HUB International Management Liability Insurance](https://spot.insure/compare/embroker-vs-hub-international/management-liability) - [Embroker vs HUB International Product Liability Insurance](https://spot.insure/compare/embroker-vs-hub-international/product-liability) - [Embroker vs HUB International Surety Bonds](https://spot.insure/compare/embroker-vs-hub-international/surety-bonds) - [Embroker vs HUB International Tech E&O Insurance](https://spot.insure/compare/embroker-vs-hub-international/technology-errors-omissions) - [Embroker vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/embroker-vs-hub-international/workers-compensation) - [Alliance Risk vs Embroker Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/professional-errors-omissions) - [Alliance Risk vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/professional-errors-omissions) - [At-Bay vs Embroker Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-embroker/professional-errors-omissions) - [At-Bay vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-hub-international/professional-errors-omissions) - [Beazley vs Embroker Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-embroker/professional-errors-omissions) - [Beazley vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-hub-international/professional-errors-omissions) ## Sources ### Embroker 1. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15. 2. [Terms And Conditions](https://www.embroker.com/terms/). Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15. 3. [Embroker Access](https://access.embroker.com/). Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15. 4. [Professional Liability Insurance Coverage & Quotes](https://www.embroker.com/coverage/professional-liability-insurance/). Embroker; Why it's essential; Who needs this coverage; What is Professional Liability insurance?; What's covered; What's not included; Do I need Professional Liability insurance if I already have General Liability coverage?; Does it have a deductible?. Accessed 2026-09-23. ### HUB International 5. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16. 6. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16. 7. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16. 8. [Professional Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/). HUB International; What is professional liability?; Who Needs Professional Liability Insurance Coverage?; How Can You Limit Your Exposure to Professional Liability?; exclusions; Connect With a Broker. Accessed 2026-09-23. 9. [Errors and Omissions (E&O) Insurance Coverage](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/). HUB International; Industries served list including accounting, architecture, creative, dental, engineering, financial, medical, media and technology; prior-acts coverage; claims-made structure with per-claim and aggregate limits and tail coverage; claims-notification steps. Accessed 2026-09-23. ### Professional Liability (E&O) Insurance Guide 10. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16. 11. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16. 12. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16. 13. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16. Updated 2026-09-23. 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/embroker-vs-hub-international/professional-errors-omissions.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)