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

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

## Agent Guide

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

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

# 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 builds malpractice into programs for clinics, hospitals and senior-living groups; HUB brokers individual practitioner policies with a free tail after two to five years.

## Heffernan Insurance Brokers vs HUB International Medical Malpractice Insurance Summary

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](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") [2](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")

## 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](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") [2](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")

### 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](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") [2](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")

### 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](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") [1](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services")

## 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](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services")
- Ask HUB which form you're quoted and whether that carrier's DDR tail applies to your tenure. [2](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")
- Ask both for limits and premium in writing; neither publishes them. [1](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") [2](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")

## Heffernan Insurance Brokers vs HUB International Medical Malpractice Compared

| 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. [1](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") (Evidence: Company-reported; scope: 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. [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..) |
| 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. [1](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") (Evidence: Company-reported; scope: 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. [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 | 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. [1](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") (Evidence: Company-reported; scope: 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. [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 | 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. [1](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") (Evidence: Company-reported; scope: 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. [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 Heffernan Insurance Brokers and HUB International

- [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/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 Heffernan Insurance Brokers vs HUB International

- [Heffernan Insurance Brokers vs HUB International](https://spot.insure/compare/heffernan-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.
- [Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/insurance-providers/heffernan/medical-malpractice)
- [HUB International Medical Malpractice Insurance](https://spot.insure/insurance-providers/hub-international/medical-malpractice)

## Sources for Heffernan Insurance Brokers vs HUB International

### Sources About Heffernan Insurance Brokers

1. [Healthcare Insurance for Health Care Services](https://www.heffins.com/business-insurance/health-care/). Heffernan Insurance Brokers; Healthcare Services: Allied Health & Specialty Centers, Home Care Agencies, Medical Malpractice (Med Mal), Senior Living Communities; from physician groups, clinics, and hospitals to patient transport companies and laboratories; if you'd like a fully insured plan, we have relationships with the nation's top insurance carriers; explore captive, partially-self-insured or fully-self-insured plans; dovetail all the coverages you need — from workers' compensation to professional liability, cyber liability and more. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/heffernan-vs-hub-international/medical-malpractice.md)
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