---
title: "HUB International vs Travelers: D&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/hub-international-vs-travelers/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "hub-international-vs-travelers"
provider-a: "hub-international"
provider-b: "travelers"
coverage-line: "directors-officers"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/hub-international-vs-travelers/directors-officers)

## Agent Guide

**What this page is:** Focused comparison of HUB International and Travelers for D&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for D&O Insurance questions about HUB International versus Travelers. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- HUB International vs Travelers for D&O Insurance: how do they differ?
- Which is better for D&O Insurance, HUB International or Travelers?
- What does HUB International or Travelers publish about D&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: D&O Insurance. Providers: HUB International and Travelers.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [HUB International vs Travelers](https://spot.insure/compare/hub-international-vs-travelers) — all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — how this coverage works
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile
- [Travelers profile](https://spot.insure/insurance-providers/travelers) — provider profile

# 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 is a single insurer selling D&O through independent agents, including to financial institutions; HUB is a broker that shops carriers and puts its own attorneys on your claim.

## HUB International vs Travelers D&O Insurance Summary

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](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [3](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance")

## 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](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") HUB's ProEx practice has you connect with a broker, who places D&O with carriers HUB doesn't name. [1](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") 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](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") 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](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance")

### 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. [3](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") (Evidence: Company-reported; scope: 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](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")
- Ask whether Travelers D&O would be standalone or packaged with other management-liability coverages. [3](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance")
- Ask HUB how its attorneys work with the carrier's claims unit. [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")
- Get limits and retentions in writing; neither page publishes them. [1](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [3](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance")

## HUB International vs Travelers D&O Insurance Compared

| 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. [1](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: 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. [3](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: D&O product page call to action..) | D&O coverage is bought through a Travelers independent agent. [3](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: Product-page marketing description; the issued policy's insuring agreements, conditions and exclusions control an actual claim..)<br><br>HUB says D&O claims it sees can come from regulators, donors, clients or customers, suppliers, competitors, employees, shareholders and creditors. [1](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: 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. [3](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [2](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: 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. [3](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers "Directors and Officers (D&O) Liability Insurance") (Evidence: Company-reported; scope: Product page general framing; confirmed against the broader Management and Professional Liability Insurance page..) |

## About HUB International and Travelers and D&O Insurance

- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [Travelers company profile](https://spot.insure/insurance-providers/travelers) · [Travelers customer reviews](https://spot.insure/insurance-providers/travelers/reviews)
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers)

## Related Pages for HUB International vs Travelers D&O Insurance

- [HUB International vs Travelers](https://spot.insure/compare/hub-international-vs-travelers): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [HUB International D&O Insurance](https://spot.insure/insurance-providers/hub-international/directors-officers)
- [Travelers D&O Insurance](https://spot.insure/insurance-providers/travelers/directors-officers)

## Sources for HUB International vs Travelers D&O Insurance

### Sources About HUB International

1. [Directors and Officers (D&O) Liability Insurance Broker](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/). HUB International; Target segments: private companies, nonprofit organizations, public companies; Personal Asset Protection, Claims Protection, Workplace & Employment Protection; list of potential claimants; 2016 private-company D&O claim statistic; Connect With a Broker call to action. Accessed 2026-09-23.
2. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; ProEx Coverages list including Directors & Officers Liability (D&O) and Side-A Only Excess D&O under Executive Liability; Claims & Legal Support section; ProEx premium volume statement. Accessed 2026-09-23.

### Sources About Travelers

3. [Directors and Officers (D&O) Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/directors-officers). Travelers; What Is Directors & Officers Liability Insurance?; Who is D&O liability insurance right for?; video legal footer naming Travelers Casualty and Surety Company of America. Accessed 2026-09-23.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/hub-international-vs-travelers/directors-officers.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)