Harper vs HUB International: How Do They Compare for Medical Malpractice Insurance?

Both are brokers: Harper offers an online quote form and same-day certificates, while HUB International routes you to a broker and adds free tail after two to five years with one carrier.

Both brokers place malpractice rather than insure it, but Harper lets you start online and says it can issue quotes and certificates the same day. HUB is broker-led and spells out more policy forms, including occurrence, convertible claims-made and telemedicine liability. ^1,²

What Are the Key Differences Between Harper and HUB International Medical Malpractice Insurance?

Speed to Coverage Versus Range of Forms

Harper starts with an online quote form, has a specialist explain occurrence versus claims-made before you commit, and says it can turn around quotes and certificates the same day. HUB sends you to a broker conversation and lists occurrence, claims-made and convertible claims-made structures, plus telemedicine liability for privacy breaches and technology errors. Choose Harper if you need proof of coverage quickly for privileges or a new job; choose HUB if you see patients virtually or want the option to convert a claims-made policy later. ¹ ²

How Each Handles Tail Coverage

Harper says most policies it places are claims-made, so it focuses on your retroactive date and buying a tail when you change jobs, retire or switch carriers. HUB describes a free tail under a death, disability and retirement benefit once you've stayed with the same carrier for two to five years. If you expect to move soon, Harper's guidance is the relevant one; if you're settling in until retirement, HUB's benefit matters more. ¹ ²

Defense Features

Harper says the coverage it places defends licensing-board complaints as well as lawsuits and can cover the practice entity, not just individual clinicians. HUB highlights claims defense with settlement-consent provisions, meaning you have a say before a claim is settled. ¹ ²

What Should You Confirm in Harper and HUB International Medical Malpractice Insurance Quotes?

Ask HUB which carrier would issue the policy and whether its DDR tail applies there. ²
Ask Harper for your retroactive date and the tail price before switching carriers. ¹
Get limits and premiums in writing from both; neither publishes them. ¹ ²

Harper vs HUB International Medical Malpractice Insurance Compared

Harper vs HUB International: Medical Malpractice Insurance: documented features by provider

Criteria	Harper Medical Malpractice Insurance	HUB International Medical Malpractice Insurance Brokerage
Who It’s For	Harper markets this line to clinicians and care businesses that need malpractice coverage for licensure or facility privileges, and it names tail coverage as a particular concern when a clinician leaves a practice or switches carriers. ¹Company-reported. Product-page marketing copy; not an eligibility guarantee for a particular applicant or specialty.	HUB lists physicians, physician assistants, nurse practitioners, registered nurses, licensed practical nurses, nurse anesthetists (CRNAs), physical therapists, personal trainers, optometrists and dentists among the practitioners it says should consider medical malpractice coverage. ²Company-reported. Medical malpractice product page practitioner list; not an underwriting appetite statement.
How to Apply	You apply for Harper medical malpractice coverage through an online quote form, and Harper says a specialist walks applicants through the occurrence-versus-claims-made and tail-coverage tradeoffs before they commit. ¹Company-reported. Quote form and FAQ observed on the product page.	HUB directs practitioners to a broker to discuss medical malpractice coverage rather than a self-service online quote. ²Company-reported. Medical malpractice product page broker-connection call to action.
Coverage Features	Harper describes the medical malpractice coverage it places as responding to allegations about diagnosis, treatment, medication or supervision decisions, and as including defense of licensing-board complaints in addition to lawsuits. ¹Company-reported. Product-page coverage summary; the issued policy and its exclusions control the actual terms. Harper says most of the medical malpractice policies it places are claims-made, which makes the retroactive date and tail (extended reporting) coverage important when a clinician changes jobs, retires or switches carriers, and it also places entity coverage for the practice or facility itself, not only individual clinicians. ¹Company-reported. FAQ and coverage-features text on the product page; actual trigger and tail terms depend on the specific policy.	HUB says it arranges occurrence, claims-made and convertible claims-made medical malpractice policy structures, and includes telemedicine liability coverage addressing privacy breaches and technology errors. ²Company-reported. Medical malpractice product page policy-type and telemedicine sections; a specific client's policy form and trigger are set at binding. HUB says its medical malpractice offering includes complimentary tail coverage under a death, disability and retirement (DDR) benefit after two to five years of continuous coverage with the same carrier. ²Company-reported. Medical malpractice product page DDR-benefit description; exact eligibility periods and terms are set by the issuing carrier's policy.
Role in This Line	Harper places medical malpractice coverage with carriers it describes as familiar with the clinician's or care business's specialty, rather than underwriting the policy itself. ¹Company-reported. Product-page description of Harper's placement role for this line.	HUB brokers medical malpractice insurance, which it describes as a form of errors and omissions coverage for healthcare practitioners, rather than underwriting the policy itself. ²Company-reported. Medical malpractice product page, read 2026-09-23; the page does not name an issuing insurer.
Risk Services	Harper says it can issue certificates and quotes the same day for this line, and describes reaching both large carriers and specialty markets that write malpractice for a given specialty. ¹Company-reported. Product-page service claims; not independently timed or confirmed for a particular request.	HUB describes claims defense with settlement-consent provisions and says its team provides experienced claims management and communication for medical malpractice clients. ²Company-reported. Medical malpractice product page claims-defense description.