HUB International vs 
Nationwide: How Do They Compare for Management Liability Insurance?
What Is HUB International?
HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. 1,2,3
Read the HUB International profile
Read the HUB International Management Liability Insurance page
What Is Nationwide?
Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. 5,6,7
What Is Management Liability Insurance?
Management liability packages can combine D&O and employment-practices coverage for leader and workplace claims, while benefit-plan protection may be a separate part. Shared limits can let a claim in one part reduce what is available for another, so compare the limits across the quote. 9,10,11,12,13,14
Key Differences in Management Liability Insurance
Brokerage Scope and Coverage Set
HUB’s ProEx practice brokers executive liability rather than underwriting it, and lists D&O, Side A excess D&O, employment practices, fiduciary, employed lawyers E&O, crime/fidelity, kidnap/ransom and workplace violence coverage. Nationwide’s overview lists D&O, crime, fiduciary and employment practices products, but does not describe a brokerage practice or name the same adjacent options. A buyer with several executive risks can ask HUB to coordinate a broader placement; a Nationwide quote should identify the products selected and which insurers issue them. 4 8
Specialist Support and Placement
HUB describes analytics, litigation support, risk management and a claims/legal group that reviews policy wording and pursues claim recovery. Nationwide says its commercial programs use research and financial analysis to tailor insurance, but its reviewed overview does not detail a management-liability claims group or wording review. That distinction matters when comparing support around placement and a later claim: ask HUB which services apply to the account and Nationwide who handles those tasks. 4 8
What to Confirm in Management Liability Insurance Quotes
- Ask HUB which ProEx lines are being placed, which insurers issue them, and whether claims/legal support includes policy review for this account. 4
- Ask Nationwide for the selected product forms, issuing insurers, and contacts for claims and coverage questions. 8
- Compare whether employed lawyers, Side A excess, kidnap/ransom and workplace-violence coverage are included, optional or separately placed. 4
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 reviewsNationwide
Review Score
4 rated sources
Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.[1][10]
Read Nationwide reviewsOffering Details
HUB International vs Nationwide: Management Liability Insurance: documented features by provider
| Criteria | HUB ProEx Management Liability Insurance Brokerage | Nationwide management liability (official overview) |
|---|---|---|
| Role in This Line | HUB brokers management liability coverage through its ProEx Professional & Executive Risk practice, packaging lines such as D&O, employment practices liability and fiduciary liability under an Executive Liability umbrella rather than underwriting any of them itself. 4Company-reported. ProEx page coverage list, read 2026-09-23; the page does not name an issuing insurer for any listed line. | Nationwide describes offering management liability for the audience stated on the cited product page. 8Company-reported. management liability marketed by nationwide; 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 | HUB says ProEx places more than $2 billion in premium, which it says improves carrier negotiations, but does not name the insurers that issue management liability policies through the practice. 4Company-reported. ProEx page market-leverage statement; the carrier for a specific placement depends on the quote. | Confirm in your quote. |
| Who It’s For | Confirm in your quote. | Commercial organizations; Nationwide describes research and financial analysis to tailor insurance programs. 8Company-reported. management liability marketed by nationwide; 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's ProEx Executive Liability coverages include directors and officers liability (D&O), side-A-only excess D&O, employment practices liability, fiduciary liability, employed lawyers errors and omissions, crime and fidelity coverage, kidnap, ransom and extortion insurance, and workplace violence coverage. 4Company-reported. ProEx page coverage list; the page describes the practice's catalogue, not the insuring agreements or exclusions of any one issued policy. HUB's technology-industry page separately groups crime, D&O, employment practices liability, fiduciary liability and transactional or warranty insurance under "Management Liability" as coverages it arranges for technology clients, largely overlapping with the ProEx Executive Liability list. 3Company-reported. Technology-industry page People Protection and Management Liability lists; a marketing grouping, not a single bundled policy. | The cited product page describes a commercial-liability product suite listing D&O, crime, fiduciary, and EPL rather than one uniform management-liability policy. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 8Company-reported. management liability marketed by nationwide; 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 | Published management liability policy limits or retentions were not found on the reviewed pages. 4,3Not publicly disclosed. Checked the ProEx page and technology-industry page on 2026-09-23; limits are set on the quote and declarations. | 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. 8Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| Risk Services | HUB says ProEx provides an inclusive service model with analytics, litigation support and risk management across client sizes, a "boundaryless" account team of local, national and international specialists, and D&O modeling that incorporates ESG risk analysis alongside white papers, webinars and events on emerging exposures. 4Company-reported. ProEx page service-model and analytics sections. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. 8Company-reported. management liability marketed by nationwide; 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 describes a Claims & Legal Risks Group of attorneys who specialize in ProEx coverages, handling policy-wording review and claim recovery for management liability claims. 4Company-reported. ProEx page claims and legal support section. | Confirm in your quote. |
Full Comparison
More HUB International vs Nationwide Comparisons
Other Management Liability 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; Management Liability list: crime, directors & officers liability, employment practices liability, fiduciary liability, transactional/warranty insurance. Accessed 2026-09-23.
- HUB ProEx. HUB International; Executive Liability coverage list: D&O, Side-A Only Excess D&O, Employment Practices Liability, Fiduciary Liability, Employed Lawyers E&O, Crime/Fidelity, Kidnap Ransom and Extortion, Workplace Violence; Inclusive Service Model, Boundaryless Account Team, Market Leverage and Claims & Legal Support sections; analytics and thought-leadership description. Accessed 2026-09-23.
Nationwide
- Small Business Insurance. Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247. Accessed 2026-09-29.
- Small Business Insurance Solutions for Agents. Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193. Accessed 2026-09-29.
- Terms and Conditions for Nationwide.com. Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394. Accessed 2026-09-29.
- Commercial Liability Products | Nationwide. Nationwide; Commercial-liability products; D&O, crime, fiduciary and employment practices liability. Accessed 2026-09-30.
Management Liability Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Directors & Officers Liability; Employment Practices Liability Coverage; introductory scope note. Accessed 2026-09-16.
- Management Liability Insurance. The Hartford; What Is Management Liability Insurance?; Who Does Management Liability Insurance Protect. Accessed 2026-09-16.
- The ForeFront Portfolio. Chubb; Introduction; optional coverage parts; private, not-for-profit and healthcare portfolios. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage. Travelers Casualty and Surety Company of America; I p.1; III pp.2–3; IV pp.4–6; VI pp.6–8. Accessed 2026-09-16.
- Liability Coverage Terms and Conditions. Travelers Casualty and Surety Company of America; III.B p.3; III.C pp.4–5; III.D–G pp.5–6. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage Application. Travelers Casualty and Surety Company of America; I–II pp.1–2; III–IV pp.2–3; V–VIII pp.3–4. Accessed 2026-09-16.
