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. 5,6
What Is Virtual Care and Telehealth Insurance?
Telehealth liability can cover claims arising from remote health care, such as a video visit or remote monitoring. If you provide care online, match the quote to your clinicians, services and patient locations; cyber and in-person risks need separate review. 8,9,10,11
Key Differences in Telehealth Insurance
Program Scope and Business Stage
Newfront’s dedicated Digital Health & Telemedicine team brokers programs for companies at any stage and lists financial injury, professional, product and cyber liability among addressed risks. Liberty Mutual names digital-health professional liability for virtual care, but its reviewed page does not define eligible service types, states or provider classes. Newfront describes a broader set of program categories; ask how they are assembled and compare that scope with Liberty Mutual’s quoted policy. 4 7
Support and Policy Detail
Newfront says its team addresses wearables, device-based data, phishing, ransomware and regulatory issues, with coverage benchmarking; it also offers an online policy platform and custom claims playbooks. Liberty Mutual describes a dedicated healthcare practice and tailored liability solutions but does not specify telehealth services or claims support in the reviewed source. Confirm which Newfront services apply to your account and request Liberty Mutual’s policy and service details. 4 7
What to Confirm in Telehealth Insurance Quotes
- Which Newfront coverages and claims playbooks apply to your devices, data and regulatory exposures?
- What policy forms, eligible services and virtual-care claims support does Liberty Mutual provide?
Review Scores
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
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
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 reviewsOffering Details
HUB International vs Liberty Mutual: Telehealth Insurance: documented features by provider
| Criteria | HUB International Virtual Care Insurance Brokerage | Liberty Mutual Digital Health Professional Liability |
|---|---|---|
| Role in This Line | HUB brokers a package of coverages for virtual care organizations through its healthcare industry practice rather than underwriting the policies itself. 4Company-reported. Virtual care insurance product page as read 2026-09-23; the page does not name an issuing insurer. | Liberty Mutual’s healthcare-liability page names digital-health professional liability for virtual and telehealth care delivery. 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 | The virtual care insurance page does not name an issuing insurer for any of the bundled coverages; HUB places this business with insurers that vary by client and placement. 4Not found in reviewed sources. Checked the virtual care insurance page on 2026-09-23; no carrier is disclosed there. | Confirm in your quote. |
| Who It’s For | HUB targets this package at healthcare organizations offering virtual care and telehealth services, and flags Patient Compensation Fund states as having specific rules and regulations that can affect coverage. 4Company-reported. Product-page eligibility framing; not a published underwriting appetite by state or care specialty. | The source positions the solution within healthcare liability for healthcare professionals and organizations; it does not define eligible services, states or provider types. 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 lists coverages it arranges for virtual care organizations, including virtual care medical professional liability, technology errors and omissions, products liability, cyber liability and data security, general liability, and management liability such as D&O and employment practices liability. 4Company-reported. Product-page coverage list; the issued policies and their exclusions control an actual claim. HUB flags specific risks buyers should check, including insurers that may exclude COVID-19-related virtual consultations, ambiguity over whether a policy covers injuries from virtual healthcare services, and data-security exposure since patient and personal data are at high risk across virtual health platforms. 4Company-reported. Product-page risk-identification section; describes coverage questions to raise, not confirmed exclusions in any specific policy. | The source says this solution addresses liability and risks associated with virtual or telehealth care delivery; it does not publish a policy form or telehealth-specific exclusions. 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 | Confirm in your quote. | 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 says it assesses the operational, financial and strategic risks facing virtual care organizations as part of arranging this coverage. 4Company-reported. Product-page service description; a company-reported capability. | 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. |
Full Comparison
More HUB International vs Liberty Mutual Comparisons
Other Telehealth 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.
- Virtual Care Insurance Brokerage Coverage. HUB International; Protecting against emerging risks section; coverage list: virtual care medical professional liability, technology E&O, products liability, cyber liability and data security, general liability, management liability (D&O, EPLI); risk-assessment service description; Connect With a Broker. Accessed 2026-09-23.
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.
Telehealth Insurance Guide
- Virtual Care. Beazley; Integrated risk protection package; Affirmative coverage for claims made against an insured which results in bodily injury; Traditional healthcare entities – Professional Liability; telehealth space. Accessed 2026-09-16.
- Virtual Care Insurance Brokerage Coverage. HUB International; Virtual care medical professional liability; Products liability; Cyber liability; General liability; bodily injuries from healthcare services and technology activities; program tailored to the needs of your practice or organization. Accessed 2026-09-16.
- Digital health insurance | eHealth. CFC; Telemedicine and telehealth uses technology to deliver care at a distance; Telemedicine, mHealth, artificial intelligence and remote patient monitoring; Bodily injury arising from healthcare services, technology activities, cyber events and system outages; Cyber and privacy; related medical malpractice product. Accessed 2026-09-16.
- Telehealth FAQs. Florida Department of Health; What is telehealth?; Out-of-State Telehealth Provider registration; Maintain liability coverage or financial responsibility for telehealth services provided to patients in Florida; Florida licensee treating patients outside Florida must review the laws in the location of the patient. Accessed 2026-09-16.
