HUB International vs 
Kinro D&O Insurance
HUB’s ProEx practice brokers D&O for private, nonprofit and public clients; Kinro matches funded startups to carrier appetite.
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. 1,2,3
What Is Kinro Insurance?
Kinro helps U.S. small businesses identify insurance needs and shop available coverage through an agency. Buyers can start online, request a policy review, or contact the team for help. 6,7,8
What Is Directors and Officers Insurance?
Directors and officers liability insurance addresses covered claims alleging wrongful acts in managing an organization. 10
Key Differences in D&O Insurance
Practice Versus Matching
HUB brokers D&O inside its ProEx Professional & Executive Risk practice rather than issuing the policy, and it lists ProEx premium volume with unnamed “top-rated” carriers. 4 5 Kinro is also a broker, but it describes matching a business to a D&O carrier whose appetite can differ by operation. 9
Segments Each Firm Names
HUB markets three buyer groups: private companies with customer and supplier relationships, nonprofits with advisory boards, and public companies with shareholders. 4 Kinro says D&O commonly fits startups, funded companies, boards and executive teams, and typically arises when outside investors, a formal board, debt covenants or a contract require management liability. 9
How a Quote Starts
HUB directs prospects to connect with a broker and does not describe an online bind path. 4 Kinro collects ownership, funding stage, board structure, revenue, headcount, prior claims and investor or lender requirements, and often reviews D&O with EPLI, cyber and E&O. 9 HUB also names a Claims & Legal Risks Group of attorneys for ProEx lines including D&O; Kinro’s reviewed page does not describe a dedicated claims-advocacy team. 5 9
What to Confirm in D&O Insurance Quotes
- Get the issuing insurer from both firms; HUB’s reviewed pages do not name one, and Kinro says the carrier depends on appetite. 5 9
- Ask Kinro which inputs drove the quote (funding stage, cap table, debt) and whether EPLI or fiduciary is packaged with D&O. 9
- Ask HUB whether ProEx analytics, litigation support and the Claims & Legal Risks Group apply to your placement. 5
- Confirm limits and retentions on both quotes; neither reviewed page publishes those amounts. 4 9
Offering Details
HUB International vs Kinro D&O Insurance: documented features by provider
| Criteria | HUB International Directors and Officers Insurance Brokerage | Kinro Directors & Officers |
|---|---|---|
| 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. 4,5Company-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. 9Company-reported. Directors & Officers page "Routing" and "Market fit" sections. |
| Issuing Insurer | The D&O product page and the ProEx coverage list do not name an issuing insurer for D&O policies; HUB says ProEx places over $2 billion in premium with insurers it calls top-rated carriers, without naming them. 4,5Not found in reviewed sources. Checked both pages on 2026-09-23; the carrier for a specific D&O placement depends on the quote. | Not described in the reviewed sources. |
| 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. 4Company-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. 9Company-reported. Directors & Officers page "Common fit" and "Triggers" 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. 4Company-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. 4Company-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. 9Company-reported. Directors & Officers page "Coverage" section; actual terms depend on the carrier and policy placed. |
| Limits and Retentions | Published D&O policy limits or retentions were not found on the reviewed pages. 4,5Not publicly disclosed. Checked the D&O product page and ProEx page on 2026-09-23; limits are set on the quote and declarations. | The reviewed page does not publish D&O limits, retentions or premiums; carriers use inputs such as funding stage, cap table and debt to quote, and amounts are not published. 9Not found in reviewed sources. Directors & Officers page "Quote file" section as read on 2026-09-23. |
| Risk Services | HUB says its ProEx practice, which lists D&O among its Executive Liability coverages, provides analytics, litigation support and risk-management services to clients of all sizes, led by a named ProEx practice leader. 5Company-reported. ProEx page team and services description; not specific to a single D&O engagement. | Not described in the reviewed sources. |
| How to Apply | HUB directs D&O prospects to "Connect With a Broker" rather than an online quote or bind flow. 4Company-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. 9Company-reported. Directors & Officers page "Quote file" and "Reviewed with" sections. |
| Claims Support | HUB describes a Claims & Legal Risks Group, staffed by attorneys who specialize in ProEx coverages including D&O, that provides management-liability claims support from pre-claim policy-wording review through claim recovery. 5Company-reported. ProEx page claims and legal support section. | Not described in the reviewed sources. |
Full Comparison
More HUB International vs Kinro Comparisons
Other D&O Insurance Comparisons
Sources
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.
- Directors and Officers (D&O) Liability Insurance Broker. HUB International; Target segments: private companies, nonprofit organizations, public companies; Personal Asset Protection, Claims Protection, Workplace & Employment Protection; list of potential claimants; 2016 private-company D&O claim statistic; Connect With a Broker call to action. Accessed 2026-09-23.
- HUB ProEx. HUB International; ProEx Coverages list including Directors & Officers Liability (D&O) and Side-A Only Excess D&O under Executive Liability; Claims & Legal Support section; ProEx premium volume statement. Accessed 2026-09-23.
Kinro
- Kinro Business Insurance. Kinro; Hero; Clear guidance before you buy; industry groups; carrier-logo strip; Insurance expertise; FAQs on follow-up, purchase obligation and AI; footer. Accessed 2026-09-15.
- Free Review Of Your Insurance Policy. Kinro; Introductory price/coverage claim and step 1 of 2 upload panel; accepted documents and file limits. Accessed 2026-09-15.
- Contact Kinro. Kinro; Opening policy-support description; direct contact channels and message form. Accessed 2026-09-15.
- Directors & Officers. Kinro; Common fit; Product file; Coverage — What it usually handles; Triggers — When it comes up; Quote file — Inputs carriers usually need; Routing — Match the product to the operation; Market fit. Accessed 2026-09-23.
D&O Insurance Guide
- Glossary of Business Insurance Terms. The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
