Gallagher vs HUB International: How Do They Compare for Professional Liability (E&O) Insurance?

Both are brokers. Gallagher Small Business advises E&O for small firms offering a specific professional service and has an online quote form; HUB International names accounting, law, medical and real estate firms and describes its policies without an online quote flow.

Gallagher Small Business places E&O with partner carriers and lets a small-business buyer start online, by phone, or with a scheduled callback. HUB brokers professional liability, also called E&O, as a customized placement through a broker rather than a self-serve quote. ^1,^2,³

What Are the Key Differences Between Gallagher and HUB International Professional Liability (E&O) Insurance?

Two Brokerage Doors, Not Two Insurers

Neither Gallagher Small Business nor HUB underwrites this E&O line. Gallagher arranges coverage with partner carriers. ¹ HUB describes its own role instead:

HUB brokers professional liability, which it also calls errors and omissions (E&O) insurance, rather than underwriting the coverage itself. ^2,³Company-reported. Professional liability and E&O product pages as read 2026-09-23; neither names an issuing insurer.

When comparing Gallagher and HUB International, decide whether you want direct access to an insurer or a broker who can help structure and shop the placement.

What Each Page Says Coverage Responds To

Gallagher describes E&O as responding to client charges of negligence or injury tied to professional services, including attorney fees and court costs regardless of fault, and names copyright infringement and punitive damages among covered allegations. ¹ HUB instead lists defense costs, judgments, settlements and fines from allegations such as misrepresentation, breach of professional services, wrongful business practices, misleading advice and conflict of interest, and says intentional acts and employment claims are typically excluded. ²

Starting a Quote

Gallagher offers an online quote form, a small-business advisor phone line on weekdays, and a scheduled callback. HUB directs prospects to connect with a broker and describes policies as customized to size, industry, location, risk and desired limits, without an online quote flow. ¹ ²

What Should You Confirm in Gallagher and HUB International Professional Liability (E&O) Insurance Quotes?

Ask Gallagher which partner carrier would issue the policy. ¹
Ask HUB which carrier it would place your E&O with, and how business size, industry, location and risk affect the coverage it customizes. ²
Neither reviewed page publishes E&O limits or retentions; request specific figures from both Gallagher and HUB. ¹ ²

Gallagher vs HUB International Professional Liability (E&O) Compared

Gallagher vs HUB International: Professional Liability (E&O) Insurance: documented features by provider

Criteria	Gallagher Small Business Errors and Omissions Insurance	HUB International Professional Liability (E&O) Insurance Brokerage
Who It’s For	Gallagher recommends E&O for small businesses that provide a specific professional service, naming technology, insurance, accounting, tax, wealth management and legal services, and lists doctors, lawyers, accountants, nurses, caregivers, counselors, social workers and engineers as example professionals; it also notes that many client contracts require carrying E&O. ¹Company-reported. Product page eligibility and recommended-professions lists; actual acceptance depends on underwriting.	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. ^2,³Company-reported. Combined professional-liability and E&O industry lists; not a published underwriting appetite by state.
How to Apply	Gallagher offers an online quote form, a small business advisor phone line (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start an E&O quote. ¹Company-reported. Product page "Get Covered Now" section.	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. ^2,³Company-reported. Product-page call to action and customization description as read 2026-09-23.
Coverage Features	Gallagher describes E&O as protecting against client charges of negligence or injury tied to professional services, covering losses, attorney fees and court costs regardless of fault, and specifically responding to alleged or actual negligence, personal injury, copyright infringement, punitive damages, and claims against past work, temporary staff or independent contractors. ¹Company-reported. Product page coverage description; the issued policy and its exclusions control. Note this record excludes medical malpractice, which the page treats as a separate specialized coverage covered under its own line. Gallagher's small-business team says the E&O market has seen consistent rate increases that have started to moderate, driven by higher claim frequency, litigation costs and a more litigious environment, and that insurers are more selective and require more detailed underwriting information. ¹Company-reported. Product page market-commentary section; a general market view, not a quote for any specific business.	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. ²Company-reported. 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. ³Company-reported. E&O product-page structure description; specific limits and retroactive dates are set on the quote and declarations.
Role in This Line	Gallagher Small Business arranges errors and omissions (E&O) coverage with partner carriers rather than underwriting the policy itself. ¹Company-reported. Gallagher Small Business's direct-to-small-business E&O product page.	HUB brokers professional liability, which it also calls errors and omissions (E&O) insurance, rather than underwriting the coverage itself. ^2,³Company-reported. Professional liability and E&O product pages as read 2026-09-23; neither names an issuing insurer.