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
Read the HUB International profile
Read the HUB International Medical Malpractice Insurance page
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. 5,6
What Is Medical Malpractice Insurance?
Medical malpractice insurance can pay defense costs and covered damages when a patient claims a clinician’s care caused harm. If you provide health care, match the quote to your practice, clinicians, specialties and procedures, then check who is insured. 8,9,10,11
Key Differences in Medical Malpractice Insurance
Policy trigger and extended reporting
HUB says it arranges occurrence, claims-made and convertible claims-made malpractice policies. Its page also describes complimentary tail coverage under a death, disability and retirement benefit after two to five years of continuous coverage with the same carrier. Liberty Mutual identifies distinct hospital, outpatient and physician-group solutions, but its reviewed material does not specify these triggers or a tail benefit. A practitioner comparing proposals should check when an incident must occur and when a claim must be reported. 4 7
Telemedicine and insured practitioners
HUB lists a range of practitioners and says its coverage includes telemedicine liability for privacy breaches and technology errors. Liberty Mutual’s named audiences include healthcare organizations, outpatient providers, hospitals and physician groups, with professional terms varying by program. These descriptions do not establish matching telemedicine coverage or whether every practitioner is insured. The quote and endorsements should identify virtual services, privacy events, each clinician role and any entity coverage. 4 7
What to Confirm in Medical Malpractice Insurance Quotes
- Ask HUB what continuity period and conditions apply to the DDR tail benefit and whether telemedicine is covered by the selected form.
- Ask Liberty Mutual for the policy trigger, reporting extension and telehealth wording applicable to your program.
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 Medical Malpractice Compared
HUB International vs Liberty Mutual: Medical Malpractice Insurance: documented features by provider
| Criteria | HUB International Medical Malpractice Insurance Brokerage | Liberty Mutual Healthcare Professional Liability / Medical Malpractice options |
|---|---|---|
| Role in This Line | HUB brokers medical malpractice insurance, which it describes as a form of errors and omissions coverage for healthcare practitioners, rather than underwriting the policy itself. 4Company-reported. Medical malpractice product page, read 2026-09-23; the page does not name an issuing insurer. | Liberty Mutual lists healthcare professional-liability solutions, including hospital, outpatient and physician-group coverage; the page does not use one universal medical-malpractice product name. 7Company-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 | HUB says it provides access to financially stable, "A"-rated insurance carriers for medical malpractice coverage, but does not name the specific insurer that would issue a given client's policy. 4Company-reported. Medical malpractice product page carrier-access statement; the page describes market access, not a named carrier. | Confirm in your quote. |
| Who It’s For | HUB lists physicians, physician assistants, nurse practitioners, registered nurses, licensed practical nurses, nurse anesthetists (CRNAs), physical therapists, personal trainers, optometrists and dentists among the practitioners it says should consider medical malpractice coverage. 4Company-reported. Medical malpractice product page practitioner list; not an underwriting appetite statement. | The source identifies healthcare organizations, outpatient providers, hospitals and physician groups as audiences for distinct solutions; it does not establish individual provider eligibility. 7Company-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 says it arranges occurrence, claims-made and convertible claims-made medical malpractice policy structures, and includes telemedicine liability coverage addressing privacy breaches and technology errors. 4Company-reported. Medical malpractice product page policy-type and telemedicine sections; a specific client's policy form and trigger are set at binding. HUB says its medical malpractice offering includes complimentary tail coverage under a death, disability and retirement (DDR) benefit after two to five years of continuous coverage with the same carrier. 4Company-reported. Medical malpractice product page DDR-benefit description; exact eligibility periods and terms are set by the issuing carrier's policy. | The page describes liability arising from healthcare services and names distinct professional-liability program types; terms and insured professions differ by program. 7Company-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 medical malpractice policy limits, retentions or pricing were not found on the reviewed page. 4Not publicly disclosed. Checked the medical malpractice product 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. 7Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. |
| Risk Services | HUB describes claims defense with settlement-consent provisions and says its team provides experienced claims management and communication for medical malpractice clients. 4Company-reported. Medical malpractice product page claims-defense description. | Liberty Mutual describes a dedicated healthcare practice offering flexible, tailored liability solutions to healthcare organizations. 7Company-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 practitioners to a broker to discuss medical malpractice coverage rather than a self-service online quote. 4Company-reported. Medical malpractice product page broker-connection call to action. | Confirm in your quote. |
Related Pages for HUB International vs Liberty Mutual
Medical Malpractice Pages for HUB International and Liberty Mutual
Other Coverage Lines Compared for HUB International vs Liberty Mutual
Other Medical Malpractice Insurance Provider Comparisons
Sources for HUB International vs Liberty Mutual
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.
- Medical Malpractice Insurance Brokers. HUB International; Definition as a form of errors and omissions coverage; who needs coverage list; carrier access and pricing; policy types (occurrence, claims-made, convertible claims-made); telemedicine liability; claims defense and settlement-consent provisions; death, disability and retirement tail-coverage benefit; broker-connection call to action. 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.
- Healthcare liability. Liberty Mutual Business Insurance; Opened September 29, 2026. Lines 118–120 describe US healthcare liability solutions; lines 129–144 name digital-health professional liability for virtual/telehealth care, hospital professional liability, miscellaneous medical professional liability, physician-group-practice professional liability, and other healthcare-specific solutions. The source shows a mix of specialty insurance and reinsurance; map only the explicitly named healthcare coverages and preserve each program/package scope. Accessed 2026-09-29.
Sources for the Medical Malpractice Insurance Guide
- Medical Malpractice Insurance. National Association of Insurance Commissioners; Background: Issue; Overview; two basic types. Accessed 2026-09-16.
- Medical Liability Insurance shopping guide. Texas Department of Insurance; What is medical liability insurance?; Claims-made versus occurrence; changing carriers; renewal tips. Accessed 2026-09-16.
- Physicians Medical Professional Liability — Specimen Policy. Curi underwriting companies identified on specimen cover; Base I–III printed pp.1–3/PDF pp.2–4; V–VI pp.3–6; VIII p.7; XII pp.11–13. Accessed 2026-09-16.
- Physician Application. MedPro Group / issuing companies identified on application; I–II p.1; III pp.2–4; IV pp.4–5; V pp.5–6; VI p.6. Accessed 2026-09-16.
