What Is HUB International?
HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. 1,2,3
What Is Liberty Mutual Business Insurance?
Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. 6,7
What Is Directors and Officers Insurance?
D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. 9,10,11
What Are the Key Differences Between HUB International and Liberty Mutual D&O Insurance?
Terms that matter before a claim
HUB’s ProEx Claims & Legal Risks Group includes attorneys specializing in D&O and supports management-liability claims from pre-claim wording review through recovery. Liberty Mutual’s ProShield overview instead identifies investigation and pre-claim inquiry coverage as policy features. One is broker-side advocacy, the other a described policy response; buyers should assess both the adviser’s role and which inquiry expenses the form pays. 4 5 8
Placement and coverage structure
HUB describes brokerage across private, nonprofit and public-company clients and directs prospects to a broker. Liberty Mutual identifies separate private-company and not-for-profit ProShield options within its package. The buyer’s legal form therefore informs which route and wording to request; HUB’s broad client segments do not themselves establish carrier eligibility or policy terms. 4 4 8
What Should You Confirm in HUB International and Liberty Mutual D&O Insurance Quotes?
- What pre-claim legal support will HUB provide, and which investigation expenses are insured by the ProShield wording? Which ProShield option fits the entity? Compare each proposal’s carrier, D&O limit, retention and any shared aggregate.
HUB International and Liberty Mutual Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
HUB International Review Score
Review Score
2 rated sources
Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.[7][6]
Read HUB International reviewsLiberty Mutual Review Score
Review Score
2 rated sources
Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.[4][1]
Read Liberty Mutual reviewsHUB International vs Liberty Mutual D&O Insurance Compared
HUB International vs Liberty Mutual: D&O Insurance: documented features by provider
| Criteria | HUB International Directors and Officers Insurance Brokerage | Liberty Mutual ProShield Directors and Officers coverage |
|---|---|---|
| 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. | Liberty Mutual includes D&O coverage in its ProShield management-liability package. 8Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| 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. | Confirm in your quote. |
| 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. | The source describes private-company and not-for-profit ProShield options; it does not establish availability for every organization. 8Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| 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. | The page lists selected D&O features such as investigation and pre-claim inquiry coverage and separate options for private and not-for-profit companies; policy wording controls. 8Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| 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 cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 8Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. |
| 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. | Liberty Mutual describes ProShield as one package policy that combines multiple management-liability coverages and is designed to reduce the need for separate endorsements. 8Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| 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. | Confirm in your quote. |
| 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. | Confirm in your quote. |
Related Pages for HUB International vs Liberty Mutual D&O Insurance
D&O Insurance Pages for HUB International and Liberty Mutual
Other Coverage Lines Compared for HUB International vs Liberty Mutual
Other D&O Insurance Provider Comparisons
Sources for HUB International vs Liberty Mutual D&O Insurance
Sources About 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.
Sources About Liberty Mutual
- Company Profile. Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide). Accessed 2026-09-29.
- Commercial Insurance Solutions. Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary. Accessed 2026-09-29.
- ProShield. Liberty Mutual Business Insurance; Opening paragraphs identify package combining directors and officers, employment practices, fiduciary, and crime coverages; D&O and crime sections describe examples of exposures and selected coverage features. Examples are not policy terms. Accessed 2026-09-29.
Sources for the 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.
- The Chubb Primary Directors & Officers and Entity Securities Liability Insurance. Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage. Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16.
