HUB International vs 
TechInsurance: How Do They Compare for Professional Liability (E&O) Insurance?
TechInsurance targets IT, software, cybersecurity and SaaS firms and cites a median E&O cost of $88 a month. HUB International is a broker that tailors E&O to size, industry and limits, with no online quote flow.
TechInsurance directs policyholders to contact the carrier directly if a client threatens a claim, while HUB International tells policyholders to notify their broker as well as the carrier. 3,2
What Are the Key Differences Between HUB International and TechInsurance Professional Liability (E&O) Insurance?
What Each Publishes About Cost
TechInsurance reports that its E&O policyholders pay a median of $88 per month, or $1,051 a year, with the exact premium depending on location, profession risk level, coverage limits, deductible, employee count, claims history and annual income. 3 HUB's reviewed pages do not publish comparable premium figures; policies are described as customized to business size, industry, location and risk. 1
When comparing HUB International and TechInsurance, use published pricing as a budget screen; the actual quote still decides the cost comparison.
Which Businesses Each Names
TechInsurance names IT and software professionals, cybersecurity and SaaS companies, insurance agents, real estate agents, tax preparers and consultants, and notes coverage is sometimes required by state law or licensing boards. 3 HUB instead names accounting, law, medical, financial-advisory, real estate, architecture and engineering, consulting, contracting and technology businesses. 1 2
Who You Contact After a Claim
TechInsurance says that if a client threatens to sue, you contact your carrier directly, provide policy information and explain the circumstances: 3
TechInsurance says that if a client threatens to sue, you contact your carrier directly, provide policy information and explain the circumstances, and the insurer's representative helps determine next steps. 3Company-reported. Errors and omissions product page, How does E&O insurance coverage work? section.
HUB instead tells policyholders to notify their broker and carrier as soon as possible after an incident and submit a narrative of the events, keeping the broker in the reporting loop. 2
What Should You Confirm in HUB International and TechInsurance Professional Liability (E&O) Insurance Quotes?
- Ask TechInsurance for a quote reflecting your own risk factors rather than relying on its published median. 3
- Ask HUB and TechInsurance which insurer would underwrite your policy, since neither names one. 1 2 3
- Confirm whether HUB's per-claim and aggregate limit structure, or a different structure, applies to your quote. 2
- Ask TechInsurance whether its claims-made structure requires you to keep the policy active to cover past work. 3
HUB International vs TechInsurance Professional Liability (E&O) Compared
HUB International vs TechInsurance: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | HUB International Professional Liability (E&O) Insurance Brokerage | TechInsurance 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. | TechInsurance targets E&O at businesses that provide professional services or advice, naming IT and software professionals, cybersecurity and SaaS companies, insurance agents, real estate agents, tax preparers and consultants as example segments, and notes it is sometimes required by state law or licensing boards. 3Company-reported. Errors and omissions product page, Who should get errors and omissions insurance coverage? section. |
| 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. | TechInsurance says E&O insurance covers professional negligence claims, errors or incomplete work, breach of contract, missed deadlines, misrepresentation of skill level, and communication-related disputes, and pays legal defense costs and any resulting judgment or settlement. 3Company-reported. Errors and omissions product page; general policy description, not a specific policy form. TechInsurance says its E&O policies are claims-made, meaning coverage applies only if the policy was active both when the incident occurred and when the claim was filed, and recommends keeping the policy active or setting a retroactive date to cover past work. 3Company-reported. Errors and omissions product page, Why is it important to keep your E&O insurance policy active? section. |
| 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. | TechInsurance arranges errors and omissions (E&O) insurance, also called professional liability insurance, as a standalone policy for businesses that provide professional services or advice. 3Company-reported. Errors and omissions product page. |
| 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. 2Company-reported. E&O product-page claims-notification guidance; a general process description, not an outcome measurement. | TechInsurance says that if a client threatens to sue, you contact your carrier directly, provide policy information and explain the circumstances, and the insurer's representative helps determine next steps. 3Company-reported. Errors and omissions product page, How does E&O insurance coverage work? section. |
