HUB International vs 
TechInsurance Professional Liability (E&O) Insurance
TechInsurance has policyholders contact the carrier directly after a claim; HUB routes claims through the broker first.
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 TechInsurance?
TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. 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. 9,10,11,12
Key Differences in 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risk level, coverage limits, deductible, employee count, claims history and annual income. 8 HUB's reviewed pages do not publish comparable premium figures; policies are described as customized to business size, industry, location and risk. 4
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. 8 HUB instead names accounting, law, medical, financial-advisory, real estate, architecture and engineering, consulting, contracting and technology businesses. 4 5
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: 8
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. 8Company-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. 5
What to Confirm in Professional Liability (E&O) Insurance Quotes
- Ask TechInsurance for a quote reflecting your own risk factors rather than relying on its published median. 8
- Ask HUB and TechInsurance which insurer would underwrite your policy, since neither names one. 4 5 8
- Confirm whether HUB's per-claim and aggregate limit structure, or a different structure, applies to your quote. 5
- Ask TechInsurance whether its claims-made structure requires you to keep the policy active to cover past work. 8
Offering Details
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 |
|---|---|---|
| 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. | 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. 8Company-reported. Errors and omissions 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 reviewed page does not name the issuing insurer for an E&O policy. 8Not publicly disclosed. Errors and omissions product page as read on 2026-09-23. |
| 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. | 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. 8Company-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. 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. | 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. 8Company-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. 8Company-reported. Errors and omissions product page, Why is it important to keep your E&O insurance policy active? section. |
| Limits and Retentions | Not described in the reviewed sources. | TechInsurance says 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. 8Company-reported. Errors and omissions product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. |
| 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. | Not described in the reviewed sources. |
| 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. | 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. 8Company-reported. Errors and omissions product page, How does E&O insurance coverage work? section. |
Full Comparison
More HUB International vs TechInsurance 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.
TechInsurance
- About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
- Contact Us. TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
- Errors & Omissions (E&O) Insurance. TechInsurance; What does errors and omissions insurance cover? (professional negligence, errors or incomplete work, breach of contract, missed deadlines, misrepresentation, communication challenges); How much does E&O insurance cost?; Who should get errors and omissions insurance coverage?; How does E&O insurance coverage work? (claims-made). 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.
