---
title: "Harper vs HUB International Medical Malpractice Insurance"
description: "Harper places mostly claims-made clinician policies with same-day certificates; HUB arranges occurrence, claims-made and convertible forms plus a DDR tail benefit."
canonical: "https://spot.insure/compare/harper-vs-hub-international/medical-malpractice"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Harper vs HUB International Medical Malpractice Insurance

Harper places mostly claims-made clinician policies with same-day certificates; HUB arranges occurrence, claims-made and convertible forms plus a DDR tail benefit.

## Research Scope and Use

Use this comparison to evaluate Harper and HUB International for Medical Malpractice 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

Harper says most malpractice policies it places are claims-made, with license-board defense, entity coverage and same-day quotes. HUB brokers occurrence, claims-made and convertible claims-made structures and describes complimentary DDR tail after two to five years of continuous coverage with the same carrier. [3](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") [7](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")

## What Is Harper Insurance?

Harper is a commercial insurance brokerage for businesses with complex risks. Its specialists use AI tools to gather information, seek quotes from insurers and help customers manage coverage. [1](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") [2](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves")

[Harper profile](https://spot.insure/insurance-providers/harper)

## 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. [4](https://www.hubinternational.com/about-us/ "About Us") [5](https://www.hubinternational.com/contact-us/ "Contact Us") [6](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## What Is Medical Malpractice Insurance?

Medical malpractice insurance is professional liability coverage for claims arising from a health care professional’s medical services. [8](https://content.naic.org/insurance-topics/medical-malpractice-insurance "Medical Malpractice Insurance") [9](https://www.tdi.texas.gov/commercial/pcmedmal.html "Medical Liability Insurance shopping guide")

## Key Differences in Medical Malpractice Insurance

### Which Policy Triggers Each Broker Describes

Harper says most of the medical malpractice policies it places are claims-made, which makes retroactive date and tail important at a job or carrier change, and it also places entity coverage. HUB says it arranges occurrence, claims-made and convertible claims-made structures, plus telemedicine liability for privacy breaches and technology errors. [3](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") [7](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")

### Tail: Harper’s Job-Change Focus Versus HUB’s DDR Benefit

Harper names tail coverage as a concern when a clinician leaves a practice or switches carriers. HUB describes complimentary tail under a death, disability and retirement benefit after two to five years of continuous coverage with the same carrier. Those are different tail stories: one about switching jobs, the other about a carrier loyalty benefit. [3](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") [7](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")

### How You Reach a Broker

Harper uses an online quote form and says a specialist walks through occurrence-versus-claims-made and tail before you commit, and that certificates can go out the same day. HUB directs practitioners to discuss coverage with a broker rather than a self-service quote, and it describes claims defense with settlement-consent provisions. [3](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") [7](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")

## What to Confirm in Medical Malpractice Insurance Quotes

- Ask HUB whether the quote is occurrence, claims-made or convertible, and whether DDR tail applies on that carrier. [7](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")
- Ask Harper whether the form is claims-made, what the retroactive date is, and whether entity coverage is included. [3](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance")
- Confirm license-board defense on Harper’s placement and settlement-consent wording on HUB’s. [3](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") [7](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")
- Compare certificate timing and whether telemedicine wording is on either quote. [3](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") [7](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")

## Offering Details

| Criteria | Harper Medical Malpractice Insurance | HUB International Medical Malpractice Insurance Brokerage |
| --- | --- | --- |
| 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. [3](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. [7](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..) |
| Issuing Insurer | Not described in the reviewed sources. | HUB says it provides access to financially stable, "A"-rated insurance carriers for medical malpractice coverage, but does not name the specific insurer that would issue a given client's policy. [7](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") (Evidence: Company-reported; scope: Medical malpractice product page carrier-access statement; the page describes market access, not a named carrier..) |
| 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. [3](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. [7](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..) |
| 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. [3](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. [3](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. [7](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. [7](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..) |
| Limits and Retentions | The reviewed medical malpractice page does not publish limit or retention amounts; it says cost and, implicitly, available terms depend on specialty, volume and claims history. [3](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") (Evidence: Not publicly disclosed; scope: Medical malpractice product page as read on 2026-09-23..) | Published medical malpractice policy limits, retentions or pricing were not found on the reviewed page. [7](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") (Evidence: Not publicly disclosed; scope: Checked the medical malpractice product page on 2026-09-23; limits are set on the quote and declarations..) |
| 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. [3](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. [7](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..) |
| 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. [3](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. [7](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..) |

## Full Comparison

- [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 help pay defense costs and covered damages from claims about a health care professional's medical services.
- [Harper vs HUB International Builders Risk Insurance](https://spot.insure/compare/harper-vs-hub-international/builders-risk)
- [Harper vs HUB International Commercial Auto Insurance](https://spot.insure/compare/harper-vs-hub-international/commercial-auto)
- [Harper vs HUB International Commercial Property Insurance](https://spot.insure/compare/harper-vs-hub-international/commercial-property)
- [Harper vs HUB International Cyber Insurance](https://spot.insure/compare/harper-vs-hub-international/cyber)
- [Harper vs HUB International General Liability Insurance](https://spot.insure/compare/harper-vs-hub-international/general-liability)
- [Harper vs HUB International Inland Marine Insurance](https://spot.insure/compare/harper-vs-hub-international/inland-marine)
- [Harper vs HUB International Product Liability Insurance](https://spot.insure/compare/harper-vs-hub-international/product-liability)
- [Harper vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/harper-vs-hub-international/professional-errors-omissions)
- [Harper vs HUB International Surety Bonds](https://spot.insure/compare/harper-vs-hub-international/surety-bonds)
- [Harper vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/harper-vs-hub-international/umbrella-excess)
- [Harper vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/harper-vs-hub-international/workers-compensation)
- [Beazley vs Harper Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-harper/medical-malpractice)
- [Beazley vs HUB International Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-hub-international/medical-malpractice)
- [Corgi vs Harper Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-harper/medical-malpractice)
- [Corgi vs HUB International Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-hub-international/medical-malpractice)
- [Harper vs Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/compare/harper-vs-heffernan/medical-malpractice)
- [Harper vs Mylo Medical Malpractice Insurance](https://spot.insure/compare/harper-vs-mylo/medical-malpractice)

## Sources

### Harper

1. [Text Messaging Terms and Conditions](https://www.harperinsure.com/sms-terms). Harper Global Enterprises Inc.; Effective August 24, 2026; sections 1–3 (entity, consent and service messages), 5 (message costs), 9 (delivery) and 11 (coverage confirmation). Accessed 2026-09-15.
2. [We're Announcing $47M to Build the Insurance Company Every Business Deserves](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement). Harper / Dakotah Rice; February 26, 2026 article: brokerage identity; AI-assisted submissions and follow-ups; 24–48-hour coverage statement; more than 165 underwriters; plans for additional direct appointments. Accessed 2026-09-15.
3. [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.

### HUB International

4. [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.
5. [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.
6. [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.
7. [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.

### Medical Malpractice Insurance Guide

8. [Medical Malpractice Insurance](https://content.naic.org/insurance-topics/medical-malpractice-insurance). National Association of Insurance Commissioners; Background: Issue; Overview; two basic types. Accessed 2026-09-16.
9. [Medical Liability Insurance shopping guide](https://www.tdi.texas.gov/commercial/pcmedmal.html). Texas Department of Insurance; What is medical liability insurance?; Claims-made versus occurrence; changing carriers; renewal tips. 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.

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