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

Heffernan Insurance Brokers serves physician groups, clinics and hospitals and can arrange self-insured plans; HUB International focuses on individual practitioners and offers free tail coverage after two to five years.

Heffernan suits healthcare organizations that want malpractice folded into one program with workers' comp and cyber, or funded through a captive or self-insurance. HUB suits individual clinicians who want a choice of occurrence or claims-made forms and a free tail after two to five years. ^1,²

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

Organizations vs Individual Practitioners

Heffernan's healthcare team works with physician groups, clinics, hospitals, patient transport, laboratories, home care and senior living, including nonprofits. HUB's list reads like a roster of individual licenses: physicians, PAs, NPs, nurses, CRNAs, physical therapists, personal trainers, optometrists and dentists. Choose Heffernan if you run a facility or group that could self-insure part of the risk; choose HUB if you're a clinician buying your own policy. ¹ ²

Funding Options vs Policy Form Choices

Heffernan's lever is how you fund the risk: fully insured, a captive, or partial or full self-insurance. HUB's lever is the policy form: occurrence, claims-made or convertible claims-made, with telemedicine liability for privacy breaches and technology errors. ¹ ²

Retirement Tail and Claim Defense

If you retire, become disabled or die after two to five years with the same carrier, HUB says your tail comes free, and it describes settlement-consent provisions so a claim isn't settled without your say. Heffernan's page covers neither, so ask before you assume them. ² ¹

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

Ask Heffernan which insurer backs a fully insured program and what size a captive or self-insured plan requires. ¹
Ask HUB which form you're quoted and whether that carrier's DDR tail applies to your tenure. ²
Ask both for limits and premium in writing; neither publishes them. ¹ ²

Heffernan Insurance Brokers vs HUB International Medical Malpractice Compared

Heffernan Insurance Brokers vs HUB International: Medical Malpractice Insurance: documented features by provider

Criteria	Heffernan Healthcare Insurance — Medical Malpractice	HUB International Medical Malpractice Insurance Brokerage
Who It’s For	Heffernan says its health care risk-management team serves physician groups, clinics, hospitals, patient transport companies, and laboratories, plus specialty practices in allied health, home care, and senior living. ¹Company-reported. Healthcare Insurance page as read on 2026-09-23; not exclusively medical-malpractice-specific, but names the buyer types the practice serves.	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.
Coverage Features	Heffernan says it packages medical malpractice with other healthcare coverages such as workers' compensation, professional liability, and cyber liability for a single client program. ¹Company-reported. Healthcare Insurance page as read on 2026-09-23; the page does not describe medical-malpractice insuring agreements, claims-made versus occurrence form, or limits separately from the bundled list.	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	Heffernan lists Medical Malpractice (Med Mal) as one of its named healthcare service specialties, placing coverage with carriers for health care clients rather than underwriting it. ¹Company-reported. Healthcare Insurance page as read on 2026-09-23; no dedicated medical-malpractice sub-page was found beyond this healthcare practice page.	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	Beyond fully insured placements, Heffernan offers healthcare clients captive, partially self-insured, or fully self-insured plan structures, and says it has experience serving nonprofit health care organizations. ¹Company-reported. Healthcare Insurance page as read on 2026-09-23; described for the healthcare practice generally, not exclusively for medical malpractice.	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.