HUB International vs 
Kinro: How Do They Compare for D&O Insurance?
HUB International brokers D&O across private, public, and nonprofit organizations with specialist claims support, while Kinro focuses on startups and funded companies and gathers details to quote.
HUB places D&O for private companies, nonprofits and public companies and backs claims with an attorney-staffed Claims & Legal Risks Group. Kinro matches startups to an insurer's appetite using your funding stage, cap table and lender requirements. 1,2,3
What Are the Key Differences Between HUB International and Kinro D&O Insurance?
Large Practice With Claims Lawyers vs Startup Matching
Both are brokers. HUB places D&O through its ProEx Professional & Executive Risk practice for private companies, nonprofits with advisory boards and public companies with shareholders, and says ProEx places significant premium with top-rated insurers it doesn't name. 1 2 Kinro matches you to an insurer whose appetite fits your operations and says D&O usually comes up when outside investors, a formal board, debt covenants or a contract require it. 3 Choose HUB if you are a public company or nonprofit, or want attorneys advocating for you after a claim; choose Kinro if you are a funded startup buying D&O to satisfy investors or lenders. 1 3
Who Helps When You're Sued
HUB's Claims & Legal Risks Group, staffed by attorneys, supports ProEx lines including D&O. Kinro describes no dedicated claims-advocacy team. 2 3
What You Hand Over to Get a Quote
HUB asks you to connect with a broker and describes no online path. 1 Kinro collects ownership, funding stage, board structure, revenue, headcount, prior claims and investor or lender requirements, and often reviews D&O alongside EPLI, cyber and E&O. 3 Have your cap table and covenant language ready before you call.
What Should You Confirm in HUB International and Kinro D&O Insurance Quotes?
- Ask both which insurer would issue your policy; neither names one. 2 3
- Ask Kinro which inputs drove the quote and whether EPLI or fiduciary is packaged with D&O. 3
- Ask HUB whether ProEx analytics, litigation support and the Claims & Legal Risks Group apply to your account. 2
- Get limits and retentions from both; neither publishes them. 1 3
HUB International vs Kinro D&O Insurance Compared
HUB International vs Kinro: D&O Insurance: documented features by provider
| Criteria | HUB International Directors and Officers Insurance Brokerage | Kinro Directors & Officers |
|---|---|---|
| Who It’s For | HUB markets D&O brokerage to three segments: private companies with customer and supplier relationships, nonprofits with advisory boards or committees, and public companies with shareholders. 1Company-reported. D&O product page target-market description; not an underwriting appetite statement. | Kinro says D&O commonly fits startups, funded companies, boards and executive teams, and typically comes up when a business has outside investors, a formal board or debt covenants, or a financing or customer contract requires management liability coverage. 3Company-reported. Directors & Officers page "Common fit" and "Triggers" sections. |
| How to Apply | HUB directs D&O prospects to "Connect With a Broker" rather than an online quote or bind flow. 1Company-reported. D&O product page call to action. | To quote D&O, Kinro collects ownership, funding stage, board structure, revenue and headcount, prior claims and investor or lender requirements, and often reviews D&O together with EPLI, cyber and E&O coverage. 3Company-reported. Directors & Officers page "Quote file" and "Reviewed with" sections. |
| Coverage Features | HUB describes D&O coverage it arranges as addressing three areas: personal asset protection for monetary judgments and settlements from an alleged breach of duty, loyalty or care; defense in civil, criminal, judicial, administrative, regulatory or arbitration proceedings; and workplace and employment protection for breach-of-fiduciary-duty and employment-related suits. 1Company-reported. Product-page marketing description; the issued policy's insuring agreements, conditions and exclusions control an actual claim. HUB says D&O claims it sees can come from regulators, donors, clients or customers, suppliers, competitors, employees, shareholders and creditors. 1Company-reported. Product-page list of potential claim sources; not a guarantee of coverage for any specific claimant. | Kinro says D&O placements typically address claims involving management decisions, governance, investors or executives, and that a management-liability program may also fold in EPLI (employment practices) or fiduciary coverage. 3Company-reported. Directors & Officers page "Coverage" section; actual terms depend on the carrier and policy placed. |
| Role in This Line | HUB brokers D&O liability coverage for private, nonprofit and public-company clients as part of its ProEx Professional & Executive Risk practice, rather than underwriting the policy itself. 1,2Company-reported. D&O product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer. | Kinro is a broker: it matches a business to a D&O carrier rather than underwriting the policy itself, saying the product "can underwrite differently" by operation and that market fit depends on carrier appetite. 3Company-reported. Directors & Officers page "Routing" and "Market fit" sections. |
