HUB International vs 
Liberty Mutual: How Do They Compare for Professional Liability (E&O) Insurance?
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 Professional Liability (E&O) 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. 6,7
Read the Liberty Mutual profile
Read the Liberty Mutual Professional Liability (E&O) Insurance page
What Is Professional Errors and Omissions (E&O) Insurance?
Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. 9,10,11,12
What Are the Key Differences Between HUB International and Liberty Mutual Professional Liability (E&O) Insurance?
Claims-made, prior acts and tail
HUB International says the E&O policies it arranges are typically claims-made, with per-claim and aggregate limits, and can be structured with prior acts or tail coverage. Liberty Mutual names a Physicians & Surgeons Professional program, but its listing does not establish the quote’s trigger or reporting terms. That distinction matters at renewal: a practice should compare HUB International’s stated structures with the actual Liberty Mutual form rather than assume the physician program follows either pattern. HUB International also says specific limits and retroactive dates are set on the quote. 5 8
Broker and program-administrator routes
HUB International describes professional liability as brokered coverage and directs prospects to connect with a broker; Liberty Mutual says its specialty programs are managed by administrators and supplies inquiry contacts. Those roles shape where a buyer begins, not which policy terms will be issued. HUB International says insurers can vary by client and placement, so the quote should name the carrier; a physician approaching Liberty Mutual should first identify the administrator handling the specific program. 4 8
What Should You Confirm in HUB International and Liberty Mutual Professional Liability (E&O) Insurance Quotes?
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 Professional Liability (E&O) Compared
HUB International vs Liberty Mutual: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | HUB International Professional Liability (E&O) Insurance Brokerage | Physicians & Surgeons Professional program |
|---|---|---|
| Role in This Line | HUB brokers professional liability, which it also calls errors and omissions (E&O) insurance, rather than underwriting the coverage itself. 4,5Company-reported. Professional liability and E&O product pages as read 2026-09-23; neither names an issuing insurer. | Liberty Mutual lists a Physicians & Surgeons Professional program, marked “PL Only,” in its specialty-program portfolio. 8Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Physicians & Surgeons Professional program. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. |
| Issuing Insurer | Neither the professional liability nor the E&O product page names an issuing insurer; HUB places this coverage with insurers that vary by client and placement. 4,5Not found in reviewed sources. Checked both pages on 2026-09-23; no carrier is disclosed on either. | Confirm in your quote. |
| Who It’s For | 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. 4,5Company-reported. Combined professional-liability and E&O industry lists; not a published underwriting appetite by state. | Liberty Mutual says its programs are managed by program administrators; the page provides program inquiry contact details. 8Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Physicians & Surgeons Professional program. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. |
| Coverage Features | 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. 4Company-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. 5Company-reported. E&O product-page structure description; specific limits and retroactive dates are set on the quote and declarations. | The listing identifies professional liability only; it does not establish form terms, limits, exclusions or insurer for a quote. 8Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Physicians & Surgeons Professional program. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. |
| How to Apply | 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. 4,5Company-reported. Product-page call to action and customization description as read 2026-09-23. | The cited product page does not establish an online application or policy-binding path; ask the listed team or your broker/agent how this product is placed. 8Not found in reviewed sources. Reviewed product-page scope only. This not-found disposition is not a claim that no digital route exists. |
| Claims Support | 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. 5Company-reported. E&O product-page claims-notification guidance; a general process description, not an outcome measurement. | Confirm in your quote. |
Related Pages for HUB International vs Liberty Mutual
Professional Liability (E&O) Pages for HUB International and Liberty Mutual
Other Coverage Lines Compared for HUB International vs Liberty Mutual
Other Professional Liability (E&O) 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.
- Professional Liability Insurance Brokers. HUB International; What is professional liability?; Who Needs Professional Liability Insurance Coverage?; How Can You Limit Your Exposure to Professional Liability?; exclusions; Connect With a Broker. Accessed 2026-09-23.
- Errors and Omissions (E&O) Insurance Coverage. HUB International; Industries served list including accounting, architecture, creative, dental, engineering, financial, medical, media and technology; prior-acts coverage; claims-made structure with per-claim and aggregate limits and tail coverage; claims-notification steps. 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.
- Programs. Liberty Mutual Business Insurance; ‘Our programs portfolio’ lists Auto Salvage/Dismantlers, Fire Suppression and Sprinkler Contractors, Nonprofits, Physicians & Surgeons Professional (PL only), Post-surgical for bariatric and plastic surgeries, Roofing Contractors, Scrap Metal Dealers, Self-storage, and Sports and Fitness. Page says programs are managed by program administrators; not a complete business catalogue. Accessed 2026-09-29.
Sources for the Professional Liability (E&O) Insurance Guide
- FAQ: Professional liability insurance. Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
- Professional liability insurance. Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Professional Liability – US Direct Errors and Omissions Insurance. Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.
