HUB International vs USI Insurance Services: How Do They Compare for Medical Malpractice Insurance?

HUB International brokers for individual practitioners such as nurses, physical therapists and dentists; USI Insurance Services is geared to hospitals, surgery centers and physician groups, and cites a loss-history review.

HUB suits individual clinicians, from physicians to dentists, who want a broker to arrange a practitioner policy with a retirement tail benefit; USI suits hospitals, clinics and physician groups that need facility-scale placement and loss-history negotiation. ^1,²

What Are the Key Differences Between HUB International and USI Insurance Services Medical Malpractice Insurance?

Individual Clinicians Versus Healthcare Organizations

HUB's malpractice page is written for people: physicians, PAs, nurse practitioners, CRNAs, physical therapists, optometrists and dentists. USI's Healthcare practice is written for organizations: surgery centers, dialysis clinics, senior care, locum staffing firms, urgent care and managed care, up to regional health systems. Choose HUB if you are insuring your own practice license; choose USI if you are buying for a facility or a multi-physician group. ¹ ²

Policy Features Versus Pricing Leverage

HUB spells out what it arranges: occurrence, claims-made or convertible claims-made forms, telemedicine liability, settlement-consent defense, and free tail coverage on death, disability or retirement after two to five years with one carrier. USI publishes no form details; its pitch is negotiation, citing a 26-year loss review for a 220-physician group that it says saved about $350,000. ¹ ²

Alternative Markets for Hard-to-Place Risks

USI can route coverage through captives, risk retention groups and purchasing groups, which helps a group priced poorly by standard insurers. HUB's page offers only access to "A"-rated carriers, unnamed. Neither publishes limits. ² ¹

What Should You Confirm in HUB International and USI Insurance Services Medical Malpractice Insurance Quotes?

Ask HUB which form you are being quoted and how many years you need before the DDR tail applies. ¹
Ask USI whether a captive or RRG is proposed and request a review of your loss runs. ²
Get the issuing insurer and limits in writing from both. ¹ ²
If you see patients remotely, check that HUB's telemedicine wording covers your platform. ¹

HUB International vs USI Insurance Services Medical Malpractice Compared

HUB International vs USI Insurance Services: Medical Malpractice Insurance: documented features by provider

Criteria	HUB International Medical Malpractice Insurance Brokerage	USI Healthcare Practice — Medical Professional (Malpractice) Liability
Who It’s For	HUB lists physicians, physician assistants, nurse practitioners, registered nurses, licensed practical nurses, nurse anesthetists (CRNAs), physical therapists, personal trainers, optometrists and dentists among the practitioners it says should consider medical malpractice coverage. ¹Company-reported. Medical malpractice product page practitioner list; not an underwriting appetite statement.	USI's Healthcare practice says it serves hospitals, physicians, surgery centers, dialysis clinics, senior care and assisted-living facilities, residential treatment facilities, permanent and locum tenens staffing companies, urgent care centers and managed care organizations, ranging from regional health systems to individual doctor groups and clinics. ²Company-reported. Company description of client base, not a guaranteed underwriting appetite.
How to Apply	HUB directs practitioners to a broker to discuss medical malpractice coverage rather than a self-service online quote. ¹Company-reported. Medical malpractice product page broker-connection call to action.	USI directs healthcare organizations to email pcinquiries@usi.com or contact a local USI office to engage its Healthcare practice. ²Company-reported. Contact instructions on the Healthcare practice page.
Coverage Features	HUB says it arranges occurrence, claims-made and convertible claims-made medical malpractice policy structures, and includes telemedicine liability coverage addressing privacy breaches and technology errors. ¹Company-reported. Medical malpractice product page policy-type and telemedicine sections; a specific client's policy form and trigger are set at binding. HUB says its medical malpractice offering includes complimentary tail coverage under a death, disability and retirement (DDR) benefit after two to five years of continuous coverage with the same carrier. ¹Company-reported. Medical malpractice product page DDR-benefit description; exact eligibility periods and terms are set by the issuing carrier's policy.	USI lists Medical Professional (Malpractice) Liability alongside related healthcare specialty coverages it places, including healthcare general liability, D&O, healthcare facility property, workers' compensation, employment practices liability, cyber liability and HIPAA privacy, medical billing and governmental regulatory claims coverage, and required bonding. ²Company-reported. Catalogue of practice offerings; specific insuring agreements, exclusions and limits are set by the issued policy.
Role in This Line	HUB brokers medical malpractice insurance, which it describes as a form of errors and omissions coverage for healthcare practitioners, rather than underwriting the policy itself. ¹Company-reported. Medical malpractice product page, read 2026-09-23; the page does not name an issuing insurer.	USI is a broker for medical malpractice coverage. Its Healthcare practice advises clients on risk and places medical professional liability coverage rather than underwriting it. ²Company-reported. Healthcare practice page.
Risk Services	HUB describes claims defense with settlement-consent provisions and says its team provides experienced claims management and communication for medical malpractice clients. ¹Company-reported. Medical malpractice product page claims-defense description.	USI cites a case study where its Healthcare team reviewed 26 years of a 220-physician group's malpractice loss history, found the client was overpriced with an outdated limit structure, and says the analysis produced about $350,000 in negotiated savings plus a retention-funding change projected to cut premium by close to $1,000,000 in a year. ²Company-reported. Single named case study; company-reported outcome, not independently verified, and not necessarily representative of every account.