HUB International vs 
Pie Insurance: How Do They Compare for Professional Liability (E&O) Insurance?
Pie Insurance points architects, contractors, marketers, consultants and real estate agents to start an E&O quote on its website. HUB International is a broker that customizes coverage and has no online quote flow.
Pie names specific covered claim types and a criminal-prosecution exclusion, while HUB International documents claims-made structure, per-claim limits and prior-acts terms for the E&O it places. 3,2
What Are the Key Differences Between HUB International and Pie Insurance Professional Liability (E&O) Insurance?
What Each Names as Covered
Pie names inaccurate advice, misrepresentation, negligence, and violation of good faith as covered claim types, and states the policy excludes criminal prosecution. 3 HUB instead names misrepresentation, breach of professional services, wrongful business practices, misleading advice and conflict of interest, plus libel, slander or lost-profit claims, without addressing criminal prosecution either way. 1
When comparing HUB International and Pie Insurance, use the published detail to screen for fit, then compare the quoted form, exclusions, and limits before buying.
Overlapping but Different Professions
Pie names architects, contractors, attorneys, engineers, consultants, marketers, counselors, and real estate agents as professionals who often carry E&O insurance. 3 HUB's list overlaps on architects, attorneys, engineers, consultants and real estate agents but adds medical, financial-advisory and technology businesses that Pie's list doesn't name. 1 2
How the Policy Is Structured
HUB says its placements are typically claims-made with per-claim and aggregate limits, structurable with prior-acts coverage and available with tail coverage:
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. 2Company-reported. E&O product-page structure description; specific limits and retroactive dates are set on the quote and declarations.
Pie's reviewed page does not address claims-made status, limit structure, prior-acts terms or tail coverage for the policies it helps place. 3
What Should You Confirm in HUB International and Pie Insurance Professional Liability (E&O) Insurance Quotes?
- Ask Pie which of its unnamed carrier partners would underwrite your specific policy. 3
- Ask HUB which insurer it plans to place your policy with, since its pages don't name one in advance. 1 2
- Ask Pie whether the coverage extends to regulatory or licensing-board proceedings, given its stated criminal-prosecution exclusion. 3
- Confirm whether HUB's per-claim and aggregate limit structure, or a different structure, applies to your quote. 2
HUB International vs Pie Insurance Professional Liability (E&O) Compared
HUB International vs Pie Insurance: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | HUB International Professional Liability (E&O) Insurance Brokerage | Pie Errors and Omissions Insurance |
|---|---|---|
| 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. 1,2Company-reported. Combined professional-liability and E&O industry lists; not a published underwriting appetite by state. | Pie names architects, contractors, attorneys, engineers, consultants, marketers, counselors, and real estate agents as professionals who often carry E&O insurance, and notes some states or clients require proof of coverage. 3Company-reported. Errors and Omissions product page as read on 2026-09-23; not an exhaustive eligibility list. |
| 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. 1,2Company-reported. Product-page call to action and customization description as read 2026-09-23. | Pie directs errors and omissions buyers to contact the company to start a quote through its website. 3Company-reported. Errors and Omissions product page as read on 2026-09-23. |
| 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. 1Company-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. 2Company-reported. E&O product-page structure description; specific limits and retroactive dates are set on the quote and declarations. | Pie describes errors and omissions insurance, also called professional liability insurance, as covering legal fees, costs, and damages for claims that a business's advice or services caused harm, including claims of inaccurate advice, misrepresentation, negligence, or violation of good faith, but says it does not protect against criminal prosecution. 3Company-reported. Errors and Omissions product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions. |
| Role in This Line | HUB brokers professional liability, which it also calls errors and omissions (E&O) insurance, rather than underwriting the coverage itself. 1,2Company-reported. Professional liability and E&O product pages as read 2026-09-23; neither names an issuing insurer. | Pie says it helps small businesses get the best errors and omissions coverage 'from our insurance carrier partners,' identifying itself as an intermediary rather than the underwriter for this line. 3Company-reported. Errors and Omissions product page as read on 2026-09-23. |
