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

Both are brokers. Heffernan Insurance Brokers' small-business division serves sole proprietors through fast-growing companies; HUB International names accounting, law, medical, real estate and engineering firms and describes its policies without an online quote flow.

HUB International documents claims-made structure, prior-acts coverage and tail options for the E&O it places, while Heffernan's small-business page describes only the general purpose of the coverage. ^3,¹

What Are the Key Differences Between Heffernan Insurance Brokers and HUB International 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. ³Company-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. ¹

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

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. ² ³ 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. ¹

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. ³ Heffernan's reviewed page does not describe a claims-reporting process for this line. ¹

What Should You Confirm in Heffernan Insurance Brokers and HUB International 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. ¹
Ask HUB and Heffernan which insurer would actually underwrite your policy, since neither page names one. ² ³ ¹
Confirm whether HUB's per-claim and aggregate limit structure, or a different structure, applies to your quote. ³
Ask Heffernan what its claims-reporting process looks like for this line. ¹

Heffernan Insurance Brokers vs HUB International Professional Liability (E&O) Compared

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
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. ¹Company-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. ^2,³Company-reported. Combined professional-liability and E&O industry lists; not a published underwriting appetite by state.
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. ¹Company-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. ^2,³Company-reported. Product-page call to action and customization description as read 2026-09-23.
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. ¹Company-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. ²Company-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. ³Company-reported. E&O product-page structure description; specific limits and retroactive dates are set on the quote and declarations.
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. ¹Company-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. ^2,³Company-reported. Professional liability and E&O product pages as read 2026-09-23; neither names an issuing insurer.