HUB International vs 
Travelers: How Do They Compare for D&O Insurance?
HUB International arranges D&O for private, public, and nonprofit organizations; Travelers insures D&O for private companies, which purchase through independent agents.
Travelers writes its own D&O, sold through independent agents to private and public companies, nonprofits and financial institutions. HUB is a broker that shops D&O across carriers it doesn't name and backs you with its own claims attorneys. 1,2,3
What Are the Key Differences Between HUB International and Travelers D&O Insurance?
One Insurer Through an Agent vs a Broker That Shops
Travelers sells D&O through its independent agents, on its own or alongside other management-liability coverages, and markets it to financial institutions and nonprofits, with a version built for nonprofits. 3 HUB's ProEx practice has you connect with a broker, who places D&O with carriers HUB doesn't name. 1 2 Choose Travelers if you are a financial institution or nonprofit, or want one established insurer through a local agent; choose HUB if you want several carriers compared and an advocate on your side at claim time.
Who Helps When You're Sued
HUB's Claims & Legal Risks Group of attorneys supports ProEx coverages, including D&O, on your side of the claim. 2 Travelers' page explains what the policy pays for: defense, settlements, securities litigation, regulatory actions and breach of fiduciary duty. You deal with Travelers' own claims unit. 3
Who Issues a Travelers Policy
The product page's video disclosures name Travelers Casualty and Surety Company of America and its property casualty affiliates; the specific issuing entity for a given policy can vary. 3Company-reported. Product page video legal footer.
What Should You Confirm in HUB International and Travelers D&O Insurance Quotes?
- Ask Travelers which affiliate issues your policy, and ask HUB which carrier it proposes. 3 2
- Ask whether Travelers D&O would be standalone or packaged with other management-liability coverages. 3
- Ask HUB how its attorneys work with the carrier's claims unit. 2
- Get limits and retentions in writing; neither page publishes them. 1 3
HUB International vs Travelers D&O Insurance Compared
HUB International vs Travelers: D&O Insurance: documented features by provider
| Criteria | HUB International Directors and Officers Insurance Brokerage | Travelers Directors & Officers (D&O) Liability Insurance |
|---|---|---|
| Who It’s For | HUB markets D&O brokerage to three segments: private companies with customer and supplier relationships, nonprofits with advisory boards or committees, and public companies with shareholders. 1Company-reported. D&O product page target-market description; not an underwriting appetite statement. | Travelers markets D&O coverage to private companies, public companies, financial institutions and nonprofit organizations with boards of directors, and offers a version specifically for nonprofit organizations. 3Company-reported. Product page "Who is D&O liability insurance right for?" section and nonprofit D&O video segment. |
| How to Apply | HUB directs D&O prospects to "Connect With a Broker" rather than an online quote or bind flow. 1Company-reported. D&O product page call to action. | D&O coverage is bought through a Travelers independent agent. 3Company-reported. Product page "Find an insurance agent" call to action. |
| Coverage Features | HUB describes D&O coverage it arranges as addressing three areas: personal asset protection for monetary judgments and settlements from an alleged breach of duty, loyalty or care; defense in civil, criminal, judicial, administrative, regulatory or arbitration proceedings; and workplace and employment protection for breach-of-fiduciary-duty and employment-related suits. 1Company-reported. Product-page marketing description; the issued policy's insuring agreements, conditions and exclusions control an actual claim. HUB says D&O claims it sees can come from regulators, donors, clients or customers, suppliers, competitors, employees, shareholders and creditors. 1Company-reported. Product-page list of potential claim sources; not a guarantee of coverage for any specific claimant. | Travelers says D&O insurance protects directors and officers from personal losses if sued by employees, vendors, customers or other parties, covering defense costs, settlements and other costs from wrongful-act allegations such as securities litigation, regulatory actions and breach-of-fiduciary-duty claims. 3Company-reported. Product page introduction and "Travelers knows Directors & Officers Liability Insurance" section; exact terms and exclusions are set by the issued policy. |
| Role in This Line | HUB brokers D&O liability coverage for private, nonprofit and public-company clients as part of its ProEx Professional & Executive Risk practice, rather than underwriting the policy itself. 1,2Company-reported. D&O product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer. | Travelers underwrites D&O liability insurance as part of its Management & Professional Liability line, sold standalone or alongside other management liability coverages. 3Company-reported. Product page general framing; confirmed against the broader Management and Professional Liability Insurance page. |
