---
title: "Heffernan Insurance Brokers vs HUB International Medical Malpractice Insurance"
description: "Heffernan packages Med Mal into healthcare programs that can use captives; HUB brokers occurrence and claims-made forms, telemedicine wording and a DDR tail benefit."
canonical: "https://spot.insure/compare/heffernan-vs-hub-international/medical-malpractice"
page-type: "line-comparison"
updated-at: "2026-09-23"
---
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# Heffernan Insurance Brokers vs HUB International Medical Malpractice Insurance
Heffernan packages Med Mal into healthcare programs that can use captives; HUB brokers occurrence and claims-made forms, telemedicine wording and a DDR tail benefit.
## Research Scope and Use
Use this comparison to evaluate Heffernan Insurance Brokers 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
Heffernan brokers Medical Malpractice as a healthcare specialty and can package it with other lines or use captive and self-insured structures. HUB arranges occurrence, claims-made and convertible claims-made policies, telemedicine liability, and complimentary DDR tail after two to five years with the same carrier. [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") [8](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")
## What Is Heffernan Insurance Brokers?
Heffernan Insurance Brokers is an independent, Walnut Creek–headquartered retail brokerage that arranges business insurance, employee benefits, and related services. Its technology practice markets to mid- and late-stage companies, including venture-funded and pre-IPO firms. [1](https://www.heffins.com/about-us/our-story/ "Our Story") [2](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")
[Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan)
## 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. [5](https://www.hubinternational.com/about-us/ "About Us") [6](https://www.hubinternational.com/contact-us/ "Contact Us") [7](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. [9](https://content.naic.org/insurance-topics/medical-malpractice-insurance "Medical Malpractice Insurance") [10](https://www.tdi.texas.gov/commercial/pcmedmal.html "Medical Liability Insurance shopping guide")
## Key Differences in Medical Malpractice Insurance
### Program Structures Versus Named Policy Types
Heffernan packages medical malpractice with workers’ compensation, professional liability and cyber for a single client program, and it offers captive, partially self-insured or fully self-insured healthcare structures. HUB’s page instead names occurrence, claims-made and convertible claims-made policy types and telemedicine liability. [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") [8](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")
### Tail and Claims Defense HUB Lists
HUB says complimentary tail can apply under a death, disability and retirement benefit after two to five years of continuous coverage with the same carrier, and it describes claims defense with settlement-consent provisions. Heffernan’s healthcare page does not describe DDR tail or settlement-consent wording. [8](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services")
### Who Each Practice Names
Heffernan names physician groups, clinics, hospitals, patient transport, laboratories, allied health, home care and senior living, plus nonprofit healthcare experience. HUB lists individual practitioners such as physicians, PAs, NPs, nurses, CRNAs, therapists, personal trainers, optometrists and dentists, and sends them to a broker conversation rather than an online bind. [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") [8](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")
## What to Confirm in Medical Malpractice Insurance Quotes
- Ask Heffernan whether Med Mal is fully insured or in a captive/self-insured structure, and which carrier is used if fully insured. [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services")
- Ask HUB which form type is quoted and whether the DDR benefit applies on that carrier’s paper. [8](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")
- Confirm telemedicine and settlement-consent terms on HUB’s quote, which Heffernan’s page does not itemize. [8](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services")
- Compare whether you need a bundled healthcare program (Heffernan) or a practitioner-focused placement (HUB). [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") [8](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")
## Offering Details
| Criteria | Heffernan Healthcare Insurance — Medical Malpractice | HUB International Medical Malpractice Insurance Brokerage |
| --- | --- | --- |
| 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. [4](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. [8](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 | Heffernan says it has relationships with 'the nation's top insurance carriers' for a fully insured healthcare plan, but the reviewed page does not name a specific medical-malpractice insurer. [4](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") (Evidence: Not publicly disclosed; scope: Healthcare Insurance page as read on 2026-09-23..) | 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. [8](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 | 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. [4](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. [8](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. [4](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. [8](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..)
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. [8](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 | Not described in the reviewed sources. | Published medical malpractice policy limits, retentions or pricing were not found on the reviewed page. [8](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 | 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. [4](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. [8](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 | Not described in the reviewed sources. | HUB directs practitioners to a broker to discuss medical malpractice coverage rather than a self-service online quote. [8](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
- [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 help pay defense costs and covered damages from claims about a health care professional's medical services.
- [Heffernan Insurance Brokers vs HUB International Builders Risk Insurance](https://spot.insure/compare/heffernan-vs-hub-international/builders-risk)
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- [Heffernan Insurance Brokers vs HUB International Crime Insurance](https://spot.insure/compare/heffernan-vs-hub-international/crime)
- [Heffernan Insurance Brokers vs HUB International Cyber Insurance](https://spot.insure/compare/heffernan-vs-hub-international/cyber)
- [Heffernan Insurance Brokers vs HUB International Employee Health Benefits](https://spot.insure/compare/heffernan-vs-hub-international/employee-health-benefits)
- [Heffernan Insurance Brokers vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/heffernan-vs-hub-international/employment-practices)
- [Heffernan Insurance Brokers vs HUB International Fidelity Bonds](https://spot.insure/compare/heffernan-vs-hub-international/fidelity-bonds)
- [Heffernan Insurance Brokers vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/heffernan-vs-hub-international/fiduciary)
- [Heffernan Insurance Brokers vs HUB International General Liability Insurance](https://spot.insure/compare/heffernan-vs-hub-international/general-liability)
- [Heffernan Insurance Brokers vs HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/heffernan-vs-hub-international/hired-non-owned-auto)
- [Heffernan Insurance Brokers vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-hub-international/professional-errors-omissions)
- [Heffernan Insurance Brokers vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/heffernan-vs-hub-international/representations-warranties)
- [Heffernan Insurance Brokers vs HUB International Surety Bonds](https://spot.insure/compare/heffernan-vs-hub-international/surety-bonds)
- [Heffernan Insurance Brokers vs HUB International Trucking Insurance](https://spot.insure/compare/heffernan-vs-hub-international/trucking)
- [Heffernan Insurance Brokers vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/heffernan-vs-hub-international/workers-compensation)
- [Beazley vs Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-heffernan/medical-malpractice)
- [Beazley vs HUB International Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-hub-international/medical-malpractice)
- [Corgi vs Heffernan Insurance Brokers Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-heffernan/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 HUB International Medical Malpractice Insurance](https://spot.insure/compare/harper-vs-hub-international/medical-malpractice)
## Sources
### Heffernan Insurance Brokers
1. [Our Story](https://www.heffins.com/about-us/our-story/). Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
2. [Technology Company Insurance](https://www.heffins.com/business-insurance/technology/). Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why Heffernan broker history; Joseph Talmadge practice leader; FAQ. Accessed 2026-09-16.
3. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). Heffernan Insurance Brokers; Forward-Thinking Business Insurance: basic coverages (general liability, commercial property and auto, workers’ compensation); corporate and executive protection (EPL, D&O, fiduciary responsibility, cyber, kidnap and ransom); alternative risk capabilities; claims, loss control and risk-management services; industry practice links including Technology and Claims Advocacy. Accessed 2026-09-16.
4. [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.
### HUB International
5. [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.
6. [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.
7. [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.
8. [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
9. [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.
10. [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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