Gallagher vs HUB International D&O Insurance

Gallagher's Executive and Financial Risk practice places D&O liability insurance and advises on program design; it does not underwrite the policy, which is issued by a carrier selected during placement. ³Company-reported. Group-level executive-and-financial-risk practice page.

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. ^9,10Company-reported. D&O product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer.

The executive-and-financial-risk page does not name the insurer that would issue a given client's D&O policy; it says Gallagher weighs carrier qualifications and performance data alongside a client's own insurer history and preferences when deciding which carriers to approach. ³Company-reported. Group-level executive-and-financial-risk practice page.

The D&O product page and the ProEx coverage list do not name an issuing insurer for D&O policies; HUB says ProEx places over $2 billion in premium with insurers it calls top-rated carriers, without naming them. ^9,10Not found in reviewed sources. Checked both pages on 2026-09-23; the carrier for a specific D&O placement depends on the quote.

Gallagher specifically markets D&O placement and advisory support to special-purpose acquisition companies (SPACs) around their IPO and de-SPAC process, and to companies going public through an IPO or direct listing. ³Company-reported. Group-level executive-and-financial-risk practice page, SPAC and IPO subsections.

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. ⁹Company-reported. D&O product page target-market description; not an underwriting appetite statement.

Gallagher says its D&O team constructs policies addressing lawsuits from shareholders, employees, competitors, suppliers and government bodies, and can evaluate an existing D&O program against the market. ³Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement.

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. ⁹Company-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. ⁹Company-reported. Product-page list of potential claim sources; not a guarantee of coverage for any specific claimant.

The executive-and-financial-risk page does not publish D&O limits, retentions or premium ranges. ³Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page.

Published D&O policy limits or retentions were not found on the reviewed pages. ^9,10Not publicly disclosed. Checked the D&O product page and ProEx page on 2026-09-23; limits are set on the quote and declarations.

For SPACs and IPOs, Gallagher describes bundling D&O coverage before and after the IPO with related lines such as representations and warranties, E&O, cyber, tax and contingent liability coverage, plus risk-management and claims support at each stage. ³Company-reported. Group-level executive-and-financial-risk practice page, SPAC subsection.

HUB says its ProEx practice, which lists D&O among its Executive Liability coverages, provides analytics, litigation support and risk-management services to clients of all sizes, led by a named ProEx practice leader. ¹⁰Company-reported. ProEx page team and services description; not specific to a single D&O engagement.

Not described in the reviewed sources.

HUB directs D&O prospects to "Connect With a Broker" rather than an online quote or bind flow. ⁹Company-reported. D&O product page call to action.

Gallagher says its Executive and Financial Risk practice has a dedicated claims-advocacy team with in-house attorneys specializing in these lines, and that it uses quantitative benchmarking, including measuring the judicious use of Side-A-only D&O coverage, to guide more precise coverage structures. ³Company-reported. Group-level executive-and-financial-risk practice summary; describes a support service, not a guarantee of claim payment.

HUB describes a Claims & Legal Risks Group, staffed by attorneys who specialize in ProEx coverages including D&O, that provides management-liability claims support from pre-claim policy-wording review through claim recovery. ¹⁰Company-reported. ProEx page claims and legal support section.