--- title: "HUB International vs Marsh McLennan Agency: Professional Liability (E&O) Insurance" description: "HUB describes claims-made E&O with prior-acts and tail options and possible contractor coverage; MMA names E&O and profession-specific lines." canonical: "https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/professional-errors-omissions" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "hub-international-vs-marsh-mclennan-agency" provider-a: "hub-international" provider-b: "marsh-mclennan-agency" 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-marsh-mclennan-agency/professional-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of HUB International and Marsh McLennan Agency 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 Marsh McLennan Agency. 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 Marsh McLennan Agency for Professional Liability (E&O) Insurance: how do they differ? - Which is better for Professional Liability (E&O) Insurance, HUB International or Marsh McLennan Agency? - What does HUB International or Marsh McLennan Agency 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 Marsh McLennan Agency? **Key facts:** - Line: Professional Liability (E&O) Insurance. Providers: HUB International and Marsh McLennan Agency. - 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 Marsh McLennan Agency](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency) — 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) - [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) — provider profile (evidence) - [HUB International vs Marsh McLennan Agency Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/builders-risk) — sibling comparison (other line, or other pair for this line) - [HUB International vs Marsh McLennan Agency Cargo and Transit Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/cargo-transit) — sibling comparison (other line, or other pair for this line) - [HUB International vs Marsh McLennan Agency Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/commercial-auto) — sibling comparison (other line, or other pair for this line) - [HUB International vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/commercial-property) — sibling comparison (other line, or other pair for this line) - [HUB International vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/crime) — sibling comparison (other line, or other pair for this line) - [HUB International vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/cyber) — sibling comparison (other line, or other pair for this line) - [HUB International vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/directors-officers) — sibling comparison (other line, or other pair for this line) - [HUB International vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/employment-practices) — sibling comparison (other line, or other pair for this line) - [HUB International vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/fiduciary) — sibling comparison (other line, or other pair for this line) - [HUB International vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/general-liability) — sibling comparison (other line, or other pair for this line) - [HUB International vs Marsh McLennan Agency Kidnap and Ransom Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/kidnap-ransom) — sibling comparison (other line, or other pair for this line) - [HUB International vs Marsh McLennan Agency Surety Bonds](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/surety-bonds) — sibling comparison (other line, or other pair for this line) - [HUB International vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/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 Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/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 Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/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 Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) # HUB International vs Marsh McLennan Agency: How Do They Compare for Professional Liability (E&O) Insurance? HUB describes claims-made E&O with prior-acts and tail options and possible contractor coverage; MMA names E&O and profession-specific lines. ## How to Use the HUB International vs Marsh McLennan Agency Professional Liability (E&O) Insurance Comparison Use this comparison to evaluate HUB International and Marsh McLennan Agency 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 Marsh McLennan Agency Professional Liability (E&O) Insurance Summary HUB says E&O can include prior-acts coverage, tail reporting and coverage for independent contractors or temporary staff. MMA names E&O, A&E and lawyers professional lines. [5](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [8](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") ## 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 Marsh McLennan Agency? Marsh McLennan Agency provides business insurance and employee health and benefits, alongside retirement, wealth, and private-client services across the United States and Canada. Its US small-business page lists six common coverage types and directs buyers to request a personalized quote by phone; the insurer and terms for a specific placement must be confirmed in the proposal. [6](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [7](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) ## 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 Marsh McLennan Agency Professional Liability (E&O) Insurance? ### Prior acts, tail and contractor terms HUB says its E&O policies are typically claims-made, can include prior acts back to a retroactive date, may offer tail coverage, and can extend to independent contractors and temporary staff doing work for the business. MMA’s source names E&O and separate A&E and lawyers lines. A business changing brokers should compare the proposed retroactive date and insured-person language in the actual policy rather than assume continuity from the product names. [5](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [8](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") ### Line category and policy-specific terms HUB describes structure options for its E&O placement, with specific limits and retroactive dates set by the quote and declarations. MMA’s source names general E&O and specialist professional products. For the same operation, ask both teams to identify the form, each-claim and aggregate limits, reporting period and whether temporary staff or contractors are insured. [5](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [8](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") ## What Should You Confirm in HUB International and Marsh McLennan Agency Professional Liability (E&O) Insurance Quotes? - Will HUB preserve the retroactive date and include the workers who perform services for your business? [5](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [8](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") - Which MMA line, limits and reporting options fit the same service scope? [5](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [8](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") ## HUB International vs Marsh McLennan Agency Professional Liability (E&O) Compared | Criteria | HUB International Professional Liability (E&O) Insurance Brokerage | Marsh McLennan Agency professional errors omissions (official overview) | | --- | --- | --- | | 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..) | Marsh McLennan Agency describes arranging professional errors omissions for the audience stated on the cited product page. [8](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: professional errors omissions marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | | 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..) | Organizations seeking professional liability placement; source does not imply all professions share one policy. [8](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: professional errors omissions marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | | 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 cited product page describes E&O and named specialist professional lines, including architects and engineers and lawyers professional liability; the overview does not treat them as one form. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [8](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: professional errors omissions marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | | Limits and Retentions | Confirm in your quote. | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. [8](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) | | 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 page invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. [8](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: professional errors omissions marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | | 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 Marsh McLennan Agency - [HUB International vs Marsh McLennan Agency](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency): 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 Marsh McLennan Agency Builders Risk Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/builders-risk) - [HUB International vs Marsh McLennan Agency Cargo and Transit Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/cargo-transit) - [HUB International vs Marsh McLennan Agency Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/commercial-auto) - [HUB International vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/commercial-property) - [HUB International vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/crime) - [HUB International vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/cyber) - [HUB International vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/directors-officers) - [HUB International vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/employment-practices) - [HUB International vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/fiduciary) - [HUB International vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/general-liability) - [HUB International vs Marsh McLennan Agency Kidnap and Ransom Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/kidnap-ransom) - [HUB International vs Marsh McLennan Agency Surety Bonds](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/surety-bonds) - [HUB International vs Marsh McLennan Agency Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/workers-compensation) - [AIG vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-hub-international/professional-errors-omissions) - [AIG vs Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/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 Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/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 Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/professional-errors-omissions) ## Sources for HUB International vs Marsh McLennan Agency ### 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 Marsh McLennan Agency 6. [Who We Are](https://www.marshmma.com/us/mma/about-us.html). Marsh McLennan Agency; Lines 193-195: ‘a business of Marsh’ and company-listed service lines across US and Canada. This does not establish the legal entity for an account, corporate ownership chart, or insurer role.. Accessed 2026-09-29. 7. [Small Business Insurance Solutions](https://www.marshmma.com/us/solutions/small-business.html). Marsh McLennan Agency; Lines 205-207: small-business audience and call invitation; lines 224-249 list six coverage categories and short descriptions; line 264 is an embedded form whose function is not stated. No form submitted.. Accessed 2026-09-29. 8. [Executive and Professional Liability | MMA](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; E&O, architects and engineers, and lawyers professional lines are named in the policy suite.. Accessed 2026-09-30. ### 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). ## Marsh McLennan Agency Review Scores for 2026 Review Score: 8.2 / 10 from 2 rated sources, equally weighted. There are almost no public customer reviews of Marsh McLennan Agency (MMA). Trustpilot shows 3.2 out of 5, but from a single review, and BBB shows an A grade with four complaints closed in three years. - Trustpilot: TrustScore 3.2 (out of 5); 1 reviews. Trustpilot profile for marshmma.com, MMA's own domain. Unclaimed; MMA has not invited reviews. Period: checked 2026-09-29. Checked 2026-09-29. [marshmma.com Trustpilot profile](https://www.trustpilot.com/review/marshmma.com) - Trustpilot: TrustScore (Marsh brand) 1.3 (out of 5); 115 reviews. Trustpilot page for marsh.com, the global Marsh brand (mostly individual and non-US customers). This is a different entity from MMA. Period: checked 2026-09-29. Checked 2026-09-29. [Marsh Reviews](https://www.trustpilot.com/review/www.marsh.com) - BBB: BBB business grade A. BBB San Diego-area profile for Marsh & McLennan Agency LLC (accredited). MMA has separate BBB profiles per office; Dayton and Schaumburg both show A+. Checked 2026-09-29. [Marsh & McLennan Agency LLC (San Diego) BBB](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103) - BBB: Complaints 4. Same San Diego-area profile; zero customer reviews. No client-count denominator. Period: closed in the last three years (checked 2026-09-29). Checked 2026-09-29. [Marsh & McLennan Agency LLC — BBB Complaints](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/complaints); [Marsh & McLennan Agency LLC — BBB Reviews](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/marsh-mclennan-agency/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/hub-international-vs-marsh-mclennan-agency/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)