HUB International vs 
The Hartford: How Do They Compare for Professional Liability (E&O) Insurance?
Firms whose contracts require cover can see The Hartford's average minimum monthly premiums, such as $62 for standalone miscellaneous professional liability. HUB International is a broker that customizes E&O to size, industry and limits.
The Hartford names copyright infringement among covered claim types and publishes average premiums by product, while HUB International names a different set of covered allegations and publishes no pricing. 3,1
What Are the Key Differences Between HUB International and The Hartford Professional Liability (E&O) Insurance?
What's Named as Covered
The Hartford names negligence, misrepresentation, inaccurate advice, personal injury such as libel or slander, and copyright infringement as covered claim types:
HUB names a different set: misrepresentation, breach of professional services, wrongful business practices, misleading advice and conflict of interest, plus libel, slander or lost-profit claims. 1
The Hartford says the policy can cover claims of negligence, misrepresentation, inaccurate advice, personal injury (libel/slander) and copyright infringement, plus defense costs. Many of its professional liability policies are written on a claims-made basis with a retroactive date and an extended reporting period (typically 30-60 days, extendable to a year or more for an added cost), though some are written on an occurrence basis. 3Company-reported. Professional liability product page as read 2026-09-23. General coverage and policy-form description; the issued policy controls.
When comparing HUB International and The Hartford, use the published detail to screen for fit, then compare the quoted form, exclusions, and limits before buying.
Which Businesses Each Names
The Hartford names accountants, consultants, interior designers, advertising agencies, graphic designers, technology professionals and healthcare professionals. 3 HUB's list instead includes law, medical, financial-advisory, real estate, architecture and engineering, and contracting businesses that The Hartford's list doesn't name. 1 2
What Should You Confirm in HUB International and The Hartford Professional Liability (E&O) Insurance Quotes?
- Ask The Hartford which of its named product configurations applies to your business, since pricing differs sharply by product. 3
- Ask HUB which insurer it plans to place your policy with, since its pages don't name one in advance. 1 2
- Ask The Hartford about the cost of extending your reporting period beyond the standard 30 to 60 days. 3
- Confirm whether HUB's per-claim and aggregate limit structure, or a different structure, applies to your quote. 2
HUB International vs The Hartford Professional Liability (E&O) Compared
HUB International vs The Hartford: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | HUB International Professional Liability (E&O) Insurance Brokerage | The Hartford Professional Liability Insurance (Errors & Omissions) |
|---|---|---|
| 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. | The Hartford targets professional liability at businesses that sign contracts requiring coverage, offer professional services directly to customers, or regularly give advice to clients, and lists industries it covers: accountants, consultants, interior designers, advertising agencies, graphic designers, technology professionals and healthcare professionals. 3Company-reported. Professional liability product page as read 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. | The Hartford says the policy can cover claims of negligence, misrepresentation, inaccurate advice, personal injury (libel/slander) and copyright infringement, plus defense costs. Many of its professional liability policies are written on a claims-made basis with a retroactive date and an extended reporting period (typically 30-60 days, extendable to a year or more for an added cost), though some are written on an occurrence basis. 3Company-reported. Professional liability product page as read 2026-09-23. General coverage and policy-form description; the issued policy controls. |
| 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. | The Hartford's professional liability insurance, also called errors and omissions (E&O) insurance, protects businesses when they make mistakes in the professional services provided to clients, including claims that turn out to be baseless. 3Company-reported. Professional liability product page as read 2026-09-23. |
