--- title: "HUB International vs Travelers: Professional Liability (E&O) Insurance" description: "HUB brokers customized E&O across a broad industry list; Travelers offers profession-specific policies through independent agents." canonical: "https://spot.insure/compare/hub-international-vs-travelers/professional-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "hub-international-vs-travelers" provider-a: "hub-international" provider-b: "travelers" coverage-line: "professional-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. 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[Human-readable page](https://spot.insure/compare/hub-international-vs-travelers/professional-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of HUB International and Travelers for Professional Liability (E&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 Professional Liability (E&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 Professional Liability (E&O) Insurance: how do they differ? - Which is better for Professional Liability (E&O) Insurance, HUB International or Travelers? - What does HUB International or Travelers publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Professional Liability (E&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 - [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — 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 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 industries; Travelers underwrites profession-specific policies sold through independent agents. ## HUB International vs Travelers Professional Liability (E&O) Insurance Summary HUB brokers customized E&O across a broad industry list; Travelers offers profession-specific policies through independent agents. [1](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [2](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [3](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") ## 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](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") Travelers offers separate E&O products for accountants, designers, lawyers, real-estate professionals, insurance professionals and other occupations. [3](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") 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](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") Travelers says its forms can be customized to a profession but does not publish limits or retentions. [3](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") 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](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") Travelers' reviewed E&O page does not describe a line-specific claims process. [3](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") 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](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") - Ask Travelers which product form and issuing company apply to your profession. [3](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") - Compare limits, retentions, prior acts, tail terms and defense-cost treatment. [2](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [3](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") ## HUB International vs Travelers Professional Liability (E&O) Compared | 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](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [2](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: 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. [3](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [2](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: 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](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") [4](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") (Evidence: Company-reported; scope: 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. [2](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: 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. [3](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [2](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") (Evidence: Company-reported; scope: 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](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions "Errors and Omissions Insurance (E&O)") [4](https://www.travelers.com/business-insurance/professional-liability-insurance "Management and Professional Liability Insurance") (Evidence: Company-reported; scope: E&O and management-liability product pages, as read on 2026-09-23..) | ## About HUB International and Travelers and Professional Liability (E&O) - [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 Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions) ## Related Pages for HUB International vs Travelers - [HUB International vs Travelers](https://spot.insure/compare/hub-international-vs-travelers): all coverage lines, business roles, service and claims. - [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms. - [HUB International Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/hub-international/professional-errors-omissions) - [Travelers Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/travelers/professional-errors-omissions) ## Sources for HUB International vs Travelers ### Sources About HUB International 1. [Professional Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/). 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. 2. [Errors and Omissions (E&O) Insurance Coverage](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/). 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. ### Sources About Travelers 3. [Errors and Omissions Insurance (E&O)](https://www.travelers.com/business-insurance/professional-liability-insurance/errors-omissions). Travelers; What Is Errors and Omissions Coverage (E&O)?; Who needs errors and omissions insurance?; Select a product; Travelers Casualty and Surety Company of America and its property casualty affiliates footer. Accessed 2026-09-23. 4. [Management and Professional Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance). Travelers; Errors & omissions (E&O) insurance description; Applications and forms for agents: management and professional liability applications. 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). 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