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

You can quote and buy Hiscox professional liability online if you are in one of 49 states or Washington, D.C. HUB International, a broker, has you connect with a broker and describes its policies without an online quote flow.

Hiscox lets eligible small businesses quote E&O online and describes claims-made terms; HUB brokers customized coverage with prior-acts, limits, tail options and contractor coverage. ^4,^3,⁶

What Are the Key Differences Between Hiscox and HUB International Professional Liability (E&O) Insurance?

Online Quote vs Broker-Designed Terms

Hiscox offers eligible buyers online quoting and purchase, with phone access to licensed advisers. ¹ HUB customizes E&O around company size, industry, location, risk and requested limits. ⁵

Choose Hiscox if you want a direct online quote and phone adviser; choose HUB if you need a broker to discuss prior acts, per-claim and aggregate limits, tail coverage or contractors. ¹ ⁶

Policy Form and Claims Support

Hiscox describes the policy as claims-made. ² HUB also describes claims-made policies but details prior-acts coverage, extended reporting and coverage for independent contractors or temporary staff. ⁶

What Should You Confirm in Hiscox and HUB International Professional Liability (E&O) Insurance Quotes?

Confirm Hiscox sells the policy in your state. ¹
Ask HUB which carrier it would place and whether tail coverage is included or extra. ⁵ ⁶
Confirm whether HUB's policy covers contractors and temporary staff. ⁶

Hiscox vs HUB International Professional Liability (E&O) Compared

Hiscox vs HUB International: Professional Liability (E&O) Insurance: documented features by provider

Criteria	Hiscox Professional Liability Insurance	HUB International Professional Liability (E&O) Insurance Brokerage
Who It’s For	Hiscox says professional liability is licensed for sale in 49 states and Washington, D.C., excluding Alaska, and that if it does not sell the product online in a buyer's state, a specialist broker may be able to help instead. ^1,⁴Company-reported. Company-stated jurisdiction for the online small-business catalogue; the appetite guide's technology classes (IT consultants, software development) illustrate typical buyers but do not guarantee acceptance for any one applicant.	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. ^5,⁶Company-reported. Combined professional-liability and E&O industry lists; not a published underwriting appetite by state.
How to Apply	Hiscox says eligible buyers can quote and buy professional liability online, with licensed advisors available by phone during posted hours for questions during the process. ¹Company-reported. Company-described online application; eligibility and binding conditions require confirmation on the actual application.	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. ^5,⁶Company-reported. Product-page call to action and customization description as read 2026-09-23.
Coverage Features	Hiscox describes professional liability as a claims-made policy, meaning a claim is covered only if it is made (and typically reported) while the policy is active, rather than an occurrence policy covering incidents regardless of when the claim surfaces. ²Company-reported. Product FAQ description; exact triggers, retroactive dates, exclusions and wording are set by the issued policy.	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. ⁵Company-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. ⁶Company-reported. E&O product-page structure description; specific limits and retroactive dates are set on the quote and declarations.
Role in This Line	Hiscox Inc., a licensed insurance intermediary, sells professional liability (errors and omissions) coverage directly online to small businesses as part of its Hiscox NOW admitted small-business catalogue. ^3,¹Company-reported. Company-stated online small-business channel.	HUB brokers professional liability, which it also calls errors and omissions (E&O) insurance, rather than underwriting the coverage itself. ^5,⁶Company-reported. Professional liability and E&O product pages as read 2026-09-23; neither names an issuing insurer.
Claims Support	A professional-liability FAQ tells current customers that the claims phone line is open 24 hours a day, 7 days a week, separate from the general claims-center hours listed elsewhere on the Hiscox site. ²Company-reported. Company-described claims-reporting availability for this product's FAQ; does not establish claim outcomes or turnaround time.	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. ⁶Company-reported. E&O product-page claims-notification guidance; a general process description, not an outcome measurement.