---
title: "Harper vs HUB International: Medical Malpractice Insurance"
description: "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."
canonical: "https://spot.insure/compare/harper-vs-hub-international/medical-malpractice"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "harper-vs-hub-international"
provider-a: "harper"
provider-b: "hub-international"
coverage-line: "medical-malpractice"
---

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[Human-readable page](https://spot.insure/compare/harper-vs-hub-international/medical-malpractice)

## Agent Guide

**What this page is:** Focused comparison of Harper and HUB International for Medical Malpractice 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 Medical Malpractice Insurance questions about Harper 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:**
- Harper vs HUB International for Medical Malpractice Insurance: how do they differ?
- Which is better for Medical Malpractice Insurance, Harper or HUB International?
- What does Harper or HUB International publish about Medical Malpractice Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Medical Malpractice Insurance. Providers: Harper 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:**
- [Harper vs HUB International](https://spot.insure/compare/harper-vs-hub-international) — all coverage lines for this pair
- [Medical Malpractice Insurance guide](https://spot.insure/coverage/medical-malpractice) — how this coverage works
- [Harper profile](https://spot.insure/insurance-providers/harper) — provider profile
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile

# 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.

Harper quotes clinician malpractice online with same-day certificates and licensing-board defense; HUB works through a broker and offers occurrence, convertible and telemedicine options plus a free retirement tail.

## Harper vs HUB International Medical Malpractice Insurance Summary

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](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") [2](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")

## 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](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") [2](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")

### 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](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") [2](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")

### 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](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") [2](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")

## 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](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")
- Ask Harper for your retroactive date and the tail price before switching carriers. [1](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance")
- Get limits and premiums in writing from both; neither publishes them. [1](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") [2](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")

## Harper vs HUB International Medical Malpractice Insurance Compared

| 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. [1](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") (Evidence: Company-reported; scope: 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. [1](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") (Evidence: Company-reported; scope: 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. [1](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: Product-page coverage summary; the issued policy and its exclusions control the actual terms..)<br><br>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. [1](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") (Evidence: Company-reported; scope: Medical malpractice product page policy-type and telemedicine sections; a specific client's policy form and trigger are set at binding..)<br><br>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. [2](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") (Evidence: Company-reported; scope: 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. [1](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") (Evidence: Company-reported; scope: 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. [1](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") (Evidence: Company-reported; scope: Medical malpractice product page claims-defense description..) |

## About Harper and HUB International and Medical Malpractice Insurance

- [Harper company profile](https://spot.insure/insurance-providers/harper) · [Harper customer reviews](https://spot.insure/insurance-providers/harper/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 Medical Malpractice Insurance?](https://spot.insure/coverage/medical-malpractice)

## Related Pages for Harper vs HUB International Medical Malpractice

- [Harper vs HUB International](https://spot.insure/compare/harper-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Medical Malpractice Insurance?](https://spot.insure/coverage/medical-malpractice): Medical malpractice insurance can pay defense costs and covered damages from claims about patient care; match the policy to clinicians, procedures and claims-made timing.
- [Harper Medical Malpractice Insurance](https://spot.insure/insurance-providers/harper/medical-malpractice)
- [HUB International Medical Malpractice Insurance](https://spot.insure/insurance-providers/hub-international/medical-malpractice)

## Sources for Harper vs HUB International Medical Malpractice Insurance

### Sources About Harper

1. [Medical Malpractice Insurance](https://www.harperinsure.com/coverages/medical-malpractice). Harper; Product hero; Know your coverage: What is Medical Malpractice insurance?; Professional liability for care, License defense, Tail and prior acts, Entity coverage; Why Harper; FAQ: Occurrence or claims-made?, Does it cover board complaints?, What does it cost?. Accessed 2026-09-23.

### Sources About HUB International

2. [Medical Malpractice Insurance Brokers](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/). HUB International; Definition as a form of errors and omissions coverage; who needs coverage list; carrier access and pricing; policy types (occurrence, claims-made, convertible claims-made); telemedicine liability; claims defense and settlement-consent provisions; death, disability and retirement tail-coverage benefit; broker-connection call to action. 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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