HUB International vs Travelers: How Do They Compare for Professional Liability (E&O) Insurance?

Travelers underwrites E&O by profession, from accountants and lawyers to real estate and insurance professionals, and sends buyers to an independent agent. HUB International is a broker that tailors E&O to size, industry and limits.

HUB brokers customized E&O across a broad industry list; Travelers offers profession-specific policies through independent agents. ^1,^2,³

What Are the Key Differences Between HUB International and Travelers Professional Liability (E&O) Insurance?

Customized Brokerage Versus Named Products

HUB customizes brokered coverage by size, industry, location, risk and desired limits. ¹ Travelers offers separate E&O products for accountants, designers, lawyers, real-estate professionals, insurance professionals and other occupations. ³ Choose HUB if your risk needs a broker-designed placement; choose Travelers if your profession maps cleanly to one of its named products.

Policy Structure

HUB describes claims-made coverage with per-claim and aggregate limits, prior acts back to a retroactive date, and optional tail coverage. ² Travelers says its forms can be customized to a profession but does not publish limits or retentions. ³ Ask both sides for matched retroactive dates and reporting periods.

Claims Contact

HUB tells policyholders to notify both broker and carrier promptly and provide a narrative of the events behind the claim. ² Travelers' reviewed E&O page does not describe a line-specific claims process. ³ Confirm who receives first notice and who controls the defense.

What Should You Confirm in HUB International and Travelers Professional Liability (E&O) Insurance Quotes?

Ask HUB to name the proposed insurer and markets approached. ¹
Ask Travelers which product form and issuing company apply to your profession. ³
Compare limits, retentions, prior acts, tail terms and defense-cost treatment. ² ³

HUB International vs Travelers Professional Liability (E&O) Compared

HUB International vs Travelers: Professional Liability (E&O) Insurance: documented features by provider

Criteria	HUB International Professional Liability (E&O) Insurance Brokerage	Travelers 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.	Travelers offers separate E&O products by profession, including accountants, design professionals, lawyers, real estate professionals, insurance professionals, life/accident/health insurance agents, managed care organizations, financial institutions and a miscellaneous professional liability option for other client-facing professionals. ³Company-reported. Product-selection list on the E&O page.
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. ^1,²Company-reported. Product-page call to action and customization description as read 2026-09-23.	Travelers directs buyers to talk to an independent agent to place E&O coverage, and tells agents to use its management-and-professional-liability applications and forms library. ^3,⁴Company-reported. E&O page CTA and video transcript.
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.	Travelers describes E&O as covering the costs of client allegations of inadequate work, negligent actions or failure to meet the expected level of service, including legal defense and settlement costs, and says coverage can be customized to the risks of a specific profession. ³Company-reported. E&O overview and video transcript; exclusions and limits are not detailed on this page and depend on the policy as issued.
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.	Travelers underwrites errors and omissions insurance as one of several management and professional liability products, sold as a standalone policy written for the buyer's profession rather than bundled with other lines by default. ^3,⁴Company-reported. E&O and management-liability product pages, as read on 2026-09-23.