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

Need a certificate fast? Harper, a broker, says it issues one the same day when a contract requires E&O. HUB International also brokers E&O, names accounting, law, medical and engineering firms as typical buyers, and describes its policies without an online quote flow.

HUB International describes prior-acts coverage, per-claim and aggregate limits, and tail coverage for the E&O it places, while Harper's professional-liability pages describe pricing drivers, services performed, revenue and contract size, without a comparable structure section. ^5,¹

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

Policy Structure Detail

HUB describes specific structural features for the E&O policies it places:

Harper's pages instead describe pricing drivers, services performed, revenue and contract size, without a comparable section on retroactive dates, per-claim versus aggregate limits or tail coverage. ¹

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. ⁵Company-reported. E&O product-page structure description; specific limits and retroactive dates are set on the quote and declarations.

When comparing Harper and HUB International, use the published detail to screen for fit, then compare the quoted form, exclusions, and limits before buying.

Reviewing the Policy Before Purchase

Harper says it reads a policy's exclusions line by line before a client buys, because two E&O policies with the same limit can respond very differently to the same claim. ¹ ⁵

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

HUB describes prior-acts and tail coverage as options; ask whether either is already included or priced as an add-on for you. ⁵
Ask Harper to walk through its exclusions review with you before you bind, since it says two same-limit policies can respond differently to the same claim. ¹
Neither HUB's nor Harper's reviewed pages name an issuing insurer; ask both directly. ⁴ ¹
Neither company publishes E&O limits on the reviewed pages; request specific figures from both. ⁵ ¹

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

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

Criteria	Harper Professional Liability Insurance	HUB International Professional Liability (E&O) Insurance Brokerage
Who It’s For	Harper targets consultants, agencies, tech firms and licensed professionals whose work product is advice, design or a decision, since general liability doesn't cover a client claiming that work caused a financial loss. ¹Company-reported. Professional liability page introduction and FAQ distinguishing it from general liability.	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. ^4,⁵Company-reported. Combined professional-liability and E&O industry lists; not a published underwriting appetite by state.
How to Apply	You request a quote online or by phone; if a client contract requires E&O, Harper says it places coverage matching that requirement and issues the certificate the same day. ¹Company-reported. Professional liability page quote form and FAQ 'My client contract requires E&O. What now?'.	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. ^4,⁵Company-reported. Product-page call to action and customization description as read 2026-09-23.
Coverage Features	Harper describes coverage for errors and omissions in the work itself, negligence allegations about professional judgment, and legal defense costs, with limits it says are matched to the client contracts that require the policy. ^1,²Company-reported. Professional liability page's four coverage tiles; the E&O page adds that claims often surface a year or more after the work was delivered. The issued policy and its exclusions control actual scope.	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. ⁴Company-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. ⁵Company-reported. E&O product-page structure description; specific limits and retroactive dates are set on the quote and declarations.
Role in This Line	Harper places professional liability coverage as a broker, writing the policy around the applicant's actual services rather than underwriting it, and describes a specialist handling the placement. ¹Company-reported. Professional liability page introduction and 'Why Harper' section. Harper markets the identical policy under two catalogue entries, "Professional Liability" and "Errors and Omissions"; the E&O page states it is the same policy, just named what a given industry calls it. ^2,³Company-reported. Coverage directory listing plus the E&O page's own description; a naming convention Harper states about itself, not a distinction between two products.	HUB brokers professional liability, which it also calls errors and omissions (E&O) insurance, rather than underwriting the coverage itself. ^4,⁵Company-reported. Professional liability and E&O product pages as read 2026-09-23; neither names an issuing insurer.