Heffernan Insurance Brokers vs 
HUB International Professional Liability (E&O) Insurance
HUB publishes claims-made structure, prior-acts and tail terms for E&O; Heffernan's page describes only the coverage's general purpose.
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. 1,2,3
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. 5,6,7
What Is Professional Errors and Omissions (E&O) Insurance?
Professional errors and omissions (E&O) insurance, also called professional liability insurance, addresses claims that professional services or advice caused a client financial loss. What's covered depends on the services actually scheduled in the policy, not the product label alone. 10,11,12,13
Key Differences in Professional Liability (E&O) Insurance
How Much Policy Structure Is Documented
HUB describes its placements as typically claims-made with per-claim and aggregate limits, structurable with prior-acts coverage back to a retroactive date, and available with tail coverage for an extended reporting period:
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. 9Company-reported. E&O product-page structure description; specific limits and retroactive dates are set on the quote and declarations.
Heffernan's reviewed page, by contrast, describes only the coverage's general purpose, protecting against claims for problems with a product or service that cause a client financial loss, without naming a policy form or structural terms. 4
Which Businesses Each Names
HUB lists accounting, law, medical, financial-advisory, real estate, architecture and engineering, consulting, contracting and technology among the businesses it places E&O for. 8 9 Heffernan names a different, broader small-business list, including construction, food, health care, hospitality, nonprofits, real estate, technology, transportation, and vintners and growers, and says it will custom-design a package for industries not listed. 4
Reporting a Claim
HUB's E&O page tells policyholders to notify their broker and carrier as soon as possible after an incident and submit a narrative of the events leading up to the claim. 9 Heffernan's reviewed page does not describe a claims-reporting process for this line. 4
What to Confirm in Professional Liability (E&O) Insurance Quotes
- Ask Heffernan whether the policy it places is claims-made or occurrence, and what retroactive date and tail options apply. 4
- Ask HUB and Heffernan which insurer would actually underwrite your policy, since neither page names one. 8 9 4
- Confirm whether HUB's per-claim and aggregate limit structure, or a different structure, applies to your quote. 9
- Ask Heffernan what its claims-reporting process looks like for this line. 4
Offering Details
Heffernan Insurance Brokers vs HUB International Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Heffernan Professional Errors and Omissions Brokerage | HUB International Professional Liability (E&O) Insurance Brokerage |
|---|---|---|
| Role in This Line | Heffernan lists errors and omissions among the coverages its small-business division places for clients, shopping the line with insurers rather than underwriting it. 4Company-reported. Small Business Insurance page as read on 2026-09-23; no dedicated professional-E&O product page was found. | HUB brokers professional liability, which it also calls errors and omissions (E&O) insurance, rather than underwriting the coverage itself. 8,9Company-reported. Professional liability and E&O product pages as read 2026-09-23; neither names an issuing insurer. |
| Issuing Insurer | Not described in the reviewed sources. | Neither the professional liability nor the E&O product page names an issuing insurer; HUB places this coverage with insurers that vary by client and placement. 8,9Not found in reviewed sources. Checked both pages on 2026-09-23; no carrier is disclosed on either. |
| Who It’s For | Heffernan's small-business division says it serves sole proprietors through fast-growing companies across industries including construction, food, health care, hospitality, nonprofits, real estate, technology, transportation, and vintners and growers, and will custom-design a package for industries not listed. 4Company-reported. Small Business Insurance page as read on 2026-09-23; not exclusively E&O-specific, but describes the buyer base for the page listing this coverage. | 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. 8,9Company-reported. Combined professional-liability and E&O industry lists; not a published underwriting appetite by state. |
| Coverage Features | Heffernan describes errors and omissions coverage as protecting against claims for problems with a company's product or service that result in a financial loss to a client. 4Company-reported. Small Business Insurance page as read on 2026-09-23; the page does not list specific exclusions, claims-made versus occurrence form, or endorsements. | 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. 8Company-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. 9Company-reported. E&O product-page structure description; specific limits and retroactive dates are set on the quote and declarations. |
| Limits and Retentions | The reviewed page does not publish limits, retentions, or premium ranges for errors and omissions coverage. 4Not publicly disclosed. Small Business Insurance page as read on 2026-09-23. | Not described in the reviewed sources. |
| How to Apply | Heffernan directs small-business buyers to contact the firm's small-business division to request a quote and says it will research and build a custom package for industries not already listed. 4Company-reported. Small Business Insurance page as read on 2026-09-23. | 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. 8,9Company-reported. Product-page call to action and customization description as read 2026-09-23. |
| Claims Support | Not described in the reviewed sources. | HUB's E&O page tells policyholders to notify their broker and carrier as soon as possible after an incident and submit documentation including a narrative of the events leading up to the claim. 9Company-reported. E&O product-page claims-notification guidance; a general process description, not an outcome measurement. |
Full Comparison
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Sources
Heffernan Insurance Brokers
- Our Story. Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
- Technology Company Insurance. 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.
- Heffernan Business Insurance Brokerage. 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.
- Small Business Insurance. Heffernan Insurance Brokers; The types of coverage we can provide include... Errors and omissions protects against claims for problems with your product or service that result in a financial loss; industries served list; Specialty Programs; contact for custom-designed packages. Accessed 2026-09-23.
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. 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.
- Professional Liability Insurance Brokers. HUB International; What is professional liability?; Who Needs Professional Liability Insurance Coverage?; How Can You Limit Your Exposure to Professional Liability?; exclusions; Connect With a Broker. Accessed 2026-09-23.
- Errors and Omissions (E&O) Insurance Coverage. HUB International; Industries served list including accounting, architecture, creative, dental, engineering, financial, medical, media and technology; prior-acts coverage; claims-made structure with per-claim and aggregate limits and tail coverage; claims-notification steps. Accessed 2026-09-23.
Professional Liability (E&O) Insurance Guide
- FAQ: Professional liability insurance. Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
- Professional liability insurance. Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Professional Liability – US Direct Errors and Omissions Insurance. Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.
