HUB International vs Relm Insurance: How Do They Compare for Professional Liability (E&O) Insurance?

Relm Insurance offers E&O versions for emerging fields like space, digital assets, AI and biotech, plus a Miscellaneous E&O for niches such as robotics consulting. HUB International brokers E&O for accounting, law, medical and real estate firms.

Relm groups E&O into named sub-products, including a separate accountants form, for emerging sectors, while HUB International places one unified professional liability line across accounting, law and other traditional industries. ^3,^1,²

What Are the Key Differences Between HUB International and Relm Insurance Professional Liability (E&O) Insurance?

Which Businesses Each Targets

Relm targets clients in emerging sectors such as space, digital assets, AI and biotech, describing coverage for the provision of specialized products, advice or services. ³ HUB instead names accounting, law, medical, financial-advisory, real estate, architecture and engineering, consulting, contracting and technology businesses. ¹ ²

When comparing HUB International and Relm Insurance, use the stated fit categories to rule either provider in or out before spending time on an application.

One Line Versus a Named Family

Relm describes a distinct Accountants Errors and Omissions product covering misconduct accusations, financial misstatements, miscalculations and late filings, separate from its general E&O line:

Relm describes a distinct Accountants Errors and Omissions product covering misconduct accusations, financial misstatements, miscalculations, late filings, and in some cases breach of contract, including legal defense costs, settlements and damages. ³Company-reported. Professional Lines page 'Accountants Errors and Omissions' section; a related but separate product from Relm's general E&O line.

HUB, by contrast, treats professional liability and E&O as one line across the industries it names, including accounting, without a separately named accountants-specific product. ¹

When Coverage Is Legally Required

Relm's page notes that some professionals, including attorneys, are required by federal or state law to carry E&O insurance, and that its Financial Institutions Professional Indemnity product is mandated by some regulators, including the UK's Financial Conduct Authority. ³ HUB's reviewed pages describe coverage and claims-notification steps but do not address any legal or regulatory requirement to carry it. ²

What Should You Confirm in HUB International and Relm Insurance Professional Liability (E&O) Insurance Quotes?

Ask Relm which of its named sub-products (general, accountants, consultants, financial institutions, miscellaneous) matches your business. ³
Ask HUB and Relm which insurer would underwrite your policy, since neither names one. ¹ ² ³
If you're in a regulated profession, ask whether a law or regulator requires you to carry this coverage. ³
Confirm whether HUB's per-claim and aggregate limit structure, or a different structure, applies to your quote. ²

HUB International vs Relm Insurance Professional Liability (E&O) Compared

HUB International vs Relm Insurance: Professional Liability (E&O) Insurance: documented features by provider

Criteria	HUB International Professional Liability (E&O) Insurance Brokerage	Relm 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.	Relm targets clients in emerging sectors such as space, digital assets, AI and biotech, describing general E&O as protection for the provision of specialized products, advice or services, and Miscellaneous E&O for niche fields like robotics consulting and space logistics that don't fit an established category. ³Company-reported. Professional Lines page framing; not a guarantee of eligibility for a particular company. Relm notes that some professionals, including attorneys, are required by federal or state law to carry errors and omissions insurance, and that Financial Institutions Professional Indemnity is mandated by some regulators, including the UK's Financial Conduct Authority. ³Company-reported. Professional Lines page; general regulatory context, not a jurisdiction-specific legal determination for a particular buyer.
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.	Relm says its general E&O line covers claims of professional negligence, mistakes or faulty recommendations, and failure to deliver on agreed services, while Consultants E&O specifically defends against allegations of negligence, poor advice or failure to deliver adequate services. ³Company-reported. Professional Lines page general description; the issued policy and declarations control. Relm describes a distinct Accountants Errors and Omissions product covering misconduct accusations, financial misstatements, miscalculations, late filings, and in some cases breach of contract, including legal defense costs, settlements and damages. ³Company-reported. Professional Lines page 'Accountants Errors and Omissions' section; a related but separate product from Relm's general E&O line.
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.	Relm groups a family of professional liability products under Professional Lines and Errors and Omissions, distinguishing a general E&O line from specialized versions for accountants, consultants, financial institutions, lawyers, lenders, media, trust/fund administrators and other niches. ³Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. This record covers the general 'Errors and Omissions' and 'Consultants' and 'Miscellaneous' entries; Relm's media and lawyers E&O sub-products are addressed in separate offering records where scoped.

Criteria

HUB International Professional Liability (E&O) Insurance Brokerage

Relm 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.

Relm targets clients in emerging sectors such as space, digital assets, AI and biotech, describing general E&O as protection for the provision of specialized products, advice or services, and Miscellaneous E&O for niche fields like robotics consulting and space logistics that don't fit an established category. ³Company-reported. Professional Lines page framing; not a guarantee of eligibility for a particular company.

Relm notes that some professionals, including attorneys, are required by federal or state law to carry errors and omissions insurance, and that Financial Institutions Professional Indemnity is mandated by some regulators, including the UK's Financial Conduct Authority. ³Company-reported. Professional Lines page; general regulatory context, not a jurisdiction-specific legal determination for a particular buyer.

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.

Relm says its general E&O line covers claims of professional negligence, mistakes or faulty recommendations, and failure to deliver on agreed services, while Consultants E&O specifically defends against allegations of negligence, poor advice or failure to deliver adequate services. ³Company-reported. Professional Lines page general description; the issued policy and declarations control.

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.

Relm groups a family of professional liability products under Professional Lines and Errors and Omissions, distinguishing a general E&O line from specialized versions for accountants, consultants, financial institutions, lawyers, lenders, media, trust/fund administrators and other niches. ³Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. This record covers the general 'Errors and Omissions' and 'Consultants' and 'Miscellaneous' entries; Relm's media and lawyers E&O sub-products are addressed in separate offering records where scoped.