HUB International vs 
Mylo Professional Liability (E&O) Insurance
HUB gives explicit claims-notification steps for E&O; Mylo's carrier directory has no professional-liability-specific claims contact.
What Is HUB International?
HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. 1,2,3
What Is Mylo Insurance?
Mylo is an independent insurance broker for small and growing businesses. It recommends coverage and compares available quotes from multiple carriers online or with a licensed advisor; the insurer named on the resulting policy provides the coverage. 6,7
What Is Professional Errors and Omissions (E&O) Insurance?
Professional errors and omissions (E&O) insurance, also called professional liability insurance, addresses claims that professional services or advice caused a client financial loss. What's covered depends on the services actually scheduled in the policy, not the product label alone. 10,11,12,13
Key Differences in Professional Liability (E&O) Insurance
Which Businesses Each Names
HUB names accounting, law, medical, financial-advisory, real estate, architecture and engineering, consulting and contracting businesses as typical E&O buyers. 4 5 Mylo instead uses examples spanning app development, financial planning and beauty-salon services, a less licensed-professional-focused set. 8
Explaining the Policy Form
HUB says its placements are typically claims-made with per-claim and aggregate limits, structurable with prior-acts coverage and available with tail coverage for an extended reporting period. 5 Mylo explains the same claims-made versus occurrence distinction in more general terms and notes tail coverage can extend reporting after a claims-made policy ends, without naming a limit structure. 8
What Happens After a Claim
HUB's E&O page tells policyholders to notify their broker and carrier as soon as possible after an incident and submit a narrative of the events leading up to the claim:
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.
Mylo's own carrier directory groups claims numbers under general Auto & Home and Business categories rather than by coverage line, so no professional-liability-specific claims contact is identified there. 9
What to Confirm in Professional Liability (E&O) Insurance Quotes
- Ask HUB and Mylo which insurer would underwrite your policy, since neither names one. 4 5 8 9
- Ask Mylo which carrier it places your quote with and how to reach that carrier's claims line specifically. 9
- Confirm whether HUB's per-claim and aggregate limit structure, or a different structure, applies to your quote. 5
- Ask Mylo whether your quote is claims-made or occurrence, and whether tail coverage is included or priced separately. 8
Offering Details
HUB International vs Mylo Professional Liability (E&O) Insurance: documented features by provider
| Criteria | HUB International Professional Liability (E&O) Insurance Brokerage | Mylo Professional Liability Insurance |
|---|---|---|
| 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. | Mylo brokers professional liability insurance by comparing quotes from multiple business insurance companies rather than underwriting the policy itself. 8Company-reported. Professional liability product page. |
| 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. | The professional liability product page and Mylo's carrier-contact directory do not name the insurer that would issue a professional liability policy; the directory groups carriers under generic Auto & Home and Business categories only. 8,9Not publicly disclosed. Checked the professional liability product page and the carrier-contact directory on 2026-09-23; neither ties a named carrier to this line. |
| 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. | Mylo markets this line to businesses that could face a claim from a client unhappy with their professional services, using examples spanning app development, financial planning and beauty-salon services. 8Company-reported. Product page examples; a particular business's eligibility depends on underwriting. |
| 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. | Mylo describes the policy responding to breach-of-contract claims, bodily injury or property damage claims, financial-loss claims, and consequential-damages claims arising from a client relationship. 8Company-reported. Product page coverage descriptions; actual insuring agreements and exclusions are set by the issued policy. Mylo explains that professional liability comes in claims-made and occurrence forms, and that tail coverage can be added to a claims-made policy to extend reporting after it ends. 8Company-reported. Product page FAQ; which form and tail terms are offered depends on the placed carrier. |
| 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. | Mylo says it recommends coverage customized to the business and compares professional liability quotes from top-rated business insurance companies to find a combination of coverage and price. 8Company-reported. Product page "How will Mylo find me the right policy?" section. |
| 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. | Mylo's carrier-contact page lists claims phone numbers by carrier for Auto & Home and Business policies generally, but does not identify a professional-liability-specific claims contact or process. 9Not found in reviewed sources. Carrier-contact directory checked 2026-09-23; entries are organized by carrier and general product category, not by coverage line. |
Full Comparison
More HUB International vs Mylo Comparisons
Other Professional Liability (E&O) 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.
- 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.
Mylo
- Small Business Insurance. Mylo; Hero; What Insurance Does A Small Business Need (Business Owners Policy listing); Get My Quote; Business Insurance FAQs; commercial-product navigation; footer legal disclosure. Accessed 2026-09-16.
- About Mylo. Mylo; Your Digital One-Stop Shop; The Broker Advantage; Proven Heritage, Powerful Future; About Mylo FAQs. Accessed 2026-09-15.
- Professional Liability Insurance. Mylo; Professional Liability? But I Do Good Work; What does professional liability cover?; Professional liability FAQs (claims-made vs. occurrence, tail coverage); How will Mylo find me the right policy? Accessed 2026-09-23.
- Contact Your Carrier. Mylo; Carrier contact list grouped by Auto & Home, Business and Claims; no professional-liability-specific entry. Accessed 2026-09-23.
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.
