--- title: "HUB International vs Liberty Mutual: Professional Liability (E&O) Insurance" description: "Compare HUB International’s typically claims-made E&O structure with Liberty Mutual’s named physician professional-liability program." canonical: "https://spot.insure/compare/hub-international-vs-liberty-mutual/professional-errors-omissions" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "hub-international-vs-liberty-mutual" provider-a: "hub-international" provider-b: "liberty-mutual" coverage-line: "professional-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/hub-international-vs-liberty-mutual/professional-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of HUB International and Liberty Mutual for Professional Liability (E&O) Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Professional Liability (E&O) Insurance questions about HUB International versus Liberty Mutual. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - HUB International vs Liberty Mutual for Professional Liability (E&O) Insurance: how do they differ? - Which is better for Professional Liability (E&O) Insurance, HUB International or Liberty Mutual? - What does HUB International or Liberty Mutual publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Professional Liability (E&O) Insurance from HUB International or Liberty Mutual? **Key facts:** - Line: Professional Liability (E&O) Insurance. Providers: HUB International and Liberty Mutual. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [HUB International vs Liberty Mutual](https://spot.insure/compare/hub-international-vs-liberty-mutual) — parent: all coverage lines for this pair - [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — coverage explainer for this line - [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile (evidence) - [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence) - [HUB International vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/builders-risk) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-liberty-mutual/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/cargo-transit) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/commercial-auto) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/commercial-property) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Crime Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/cyber) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual D&O Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/directors-officers) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/employment-practices) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Equipment Breakdown Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/hub-international-vs-liberty-mutual/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/fiduciary) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/general-liability) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/inland-marine) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Kidnap and Ransom Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/kidnap-ransom) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Management Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/management-liability) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Medical Malpractice Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/medical-malpractice) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Surety Bonds](https://spot.insure/compare/hub-international-vs-liberty-mutual/surety-bonds) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Telehealth Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/virtual-care-telehealth) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [HUB International vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-hub-international/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Aon vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-hub-international/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Aon vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) # HUB International vs Liberty Mutual: How Do They Compare for Professional Liability (E&O) Insurance? Compare HUB International’s typically claims-made E&O structure with Liberty Mutual’s named physician professional-liability program. ## How to Use the HUB International vs Liberty Mutual Professional Liability (E&O) Insurance Comparison Use this comparison to evaluate HUB International and Liberty Mutual for Professional Liability (E&O) Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## HUB International vs Liberty Mutual Professional Liability (E&O) Insurance Summary HUB International says E&O policies are typically claims-made and can include prior acts and tail coverage; Liberty Mutual lists a Physicians & Surgeons PL-only program without establishing its form terms. [5](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [8](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") ## 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](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [HUB International profile](https://spot.insure/insurance-providers/hub-international) ## 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](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [7](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) ## 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](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [10](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [11](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [12](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance") ## 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](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [8](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") ### 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](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [8](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") ## What Should You Confirm in HUB International and Liberty Mutual Professional Liability (E&O) Insurance Quotes? - Ask HUB International for the proposed retroactive date, aggregate limit and tail terms in the carrier quote. [5](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") - Ask Liberty Mutual’s administrator which trigger and reporting extension apply to the physician form being considered. [8](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") ## HUB International vs Liberty Mutual Professional Liability (E&O) Compared | 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](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [5](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: 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. [8](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [5](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Not found in reviewed sources; scope: 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](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [5](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: 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. [8](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") (Evidence: Company-reported; scope: 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. [5](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: 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. [8](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [5](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: 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. [8](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") (Evidence: Not found in reviewed sources; scope: 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. [5](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: 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 - [HUB International vs Liberty Mutual](https://spot.insure/compare/hub-international-vs-liberty-mutual): all coverage lines, business roles, service and claims. - [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms. - [HUB International vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/builders-risk) - [HUB International vs Liberty Mutual Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-liberty-mutual/business-owners-policy) - [HUB International vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/cargo-transit) - [HUB International vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/commercial-auto) - [HUB International vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/commercial-property) - [HUB International vs Liberty Mutual Crime Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/crime) - [HUB International vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/cyber) - [HUB International vs Liberty Mutual D&O Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/directors-officers) - [HUB International vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/employment-practices) - [HUB International vs Liberty Mutual Equipment Breakdown Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/equipment-breakdown) - [HUB International vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/hub-international-vs-liberty-mutual/fidelity-bonds) - [HUB International vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/fiduciary) - [HUB International vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/general-liability) - [HUB International vs Liberty Mutual Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/inland-marine) - [HUB International vs Liberty Mutual Kidnap and Ransom Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/kidnap-ransom) - [HUB International vs Liberty Mutual Management Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/management-liability) - [HUB International vs Liberty Mutual Medical Malpractice Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/medical-malpractice) - [HUB International vs Liberty Mutual Surety Bonds](https://spot.insure/compare/hub-international-vs-liberty-mutual/surety-bonds) - [HUB International vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/technology-errors-omissions) - [HUB International vs Liberty Mutual Telehealth Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/virtual-care-telehealth) - [HUB International vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/umbrella-excess) - [HUB International vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-liberty-mutual/workers-compensation) - [AIG vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-hub-international/professional-errors-omissions) - [AIG vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/professional-errors-omissions) - [Alliance Risk vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/professional-errors-omissions) - [Alliance Risk vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/professional-errors-omissions) - [Aon vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-hub-international/professional-errors-omissions) - [Aon vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/professional-errors-omissions) ## Sources for HUB International vs Liberty Mutual ### Sources About HUB International 1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16. 2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16. 3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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. 4. [Professional Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/). 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. 5. [Errors and Omissions (E&O) Insurance Coverage](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/). 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 6. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/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. 7. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-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. 8. [Programs](https://business.libertymutual.com/commercial-solutions/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 9. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). 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. 10. [Professional liability insurance](https://www.iii.org/article/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. 11. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16. 12. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). 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. Updated 2026-10-01. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## HUB International Review Scores for 2026 Review Score: 5.6 / 10 from 2 rated sources, equally weighted. 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-. - BBB: BBB business grade A- (BBB letter grade). BBB profile for HUB International, Chicago headquarters and its corporate-owned locations (United States). HUB is a global broker; BBB coverage is US/Canada and split by office profile. Period: current page, accessed 2026-09-29; 3 complaints closed in last 3 years. Checked 2026-09-29. [HUB International | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202) - BBB customer reviews: BBB customer reviews 1 (out of 5); 7 reviews. Customer reviews left on the same BBB headquarters profile (HQ and corporate-owned US locations). Small sample. Checked 2026-09-29. [HUB International | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202/customer-reviews) - BBB Canada West: BBB business grade A- (BBB letter grade). BBB profile for HUB International Canada West ULC, Burnaby BC. Covers one Canadian regional entity only, not the whole group. Period: current page; 13 complaints closed in last 3 years; 3 customer reviews. Checked 2026-09-29. [HUB International Canada West ULC | BBB Reviews](https://www.bbb.org/ca/bc/burnaby/profile/insurance-services-office/hub-international-insurance-brokers-hub-coastal-0037-120326/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/hub-international/reviews). ## Liberty Mutual Review Scores for 2026 Review Score: 7.2 / 10 from 2 rated sources, equally weighted. 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. - NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance) - Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/liberty-mutual/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/hub-international-vs-liberty-mutual/professional-errors-omissions.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)