---
title: "HUB International vs USI Insurance Services Medical Malpractice Insurance"
description: "HUB brokers practitioner policy types, telemedicine wording and DDR tail; USI’s healthcare practice places malpractice for hospitals and groups and cites a loss-history case study."
canonical: "https://spot.insure/compare/hub-international-vs-usi/medical-malpractice"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/hub-international-vs-usi/medical-malpractice)

# HUB International vs USI Insurance Services Medical Malpractice Insurance

HUB brokers practitioner policy types, telemedicine wording and DDR tail; USI’s healthcare practice places malpractice for hospitals and groups and cites a loss-history case study.

## Research Scope and Use

Use this comparison to evaluate HUB International and USI Insurance Services for Medical Malpractice Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

HUB brokers occurrence, claims-made and convertible claims-made malpractice, telemedicine liability and a DDR tail benefit. USI’s Healthcare practice places medical professional liability for hospitals through doctor groups, can use captives and RRGs, and cites a 26-year loss-history review for a 220-physician group. [4](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") [8](https://www.usi.com/property-casualty/healthcare/ "Healthcare")

## What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [1](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## What Is USI Insurance Services?

USI Insurance Services is a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, and retirement programs. Its Technology practice says it works with software, hardware, and related companies from early seed stage through IPO, using a consultative process rather than a published self-serve quote. [5](https://www.usi.com/about-usi "The Power of ONE") [6](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [7](https://www.usi.com/commissions-fees/ "Commissions and Fees")

[USI Insurance Services profile](https://spot.insure/insurance-providers/usi)

## What Is Medical Malpractice Insurance?

Medical malpractice insurance is professional liability coverage for claims arising from a health care professional’s medical services. [9](https://content.naic.org/insurance-topics/medical-malpractice-insurance "Medical Malpractice Insurance") [10](https://www.tdi.texas.gov/commercial/pcmedmal.html "Medical Liability Insurance shopping guide")

## Key Differences in Medical Malpractice Insurance

### Practitioner Product Page Versus Health-System Practice

HUB’s dedicated malpractice page lists individual practitioners (physicians through dentists) and the policy types it arranges. USI’s Healthcare practice names hospitals, surgery centers, dialysis, senior care, locum staffing, urgent care and managed care, from regional systems to doctor groups. Both broker; HUB says it accesses “A”-rated carriers without naming one, and USI also leaves the insurer unnamed. [4](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") [8](https://www.usi.com/property-casualty/healthcare/ "Healthcare")

### DDR Tail Versus Loss-History Negotiation

HUB describes complimentary tail under a death, disability and retirement benefit after two to five years with the same carrier, plus settlement-consent claims defense. USI’s public illustration is a case study reviewing 26 years of a 220-physician group’s malpractice losses, which it says produced negotiated savings and a retention-funding change. [4](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") [8](https://www.usi.com/property-casualty/healthcare/ "Healthcare")

### How You Start a Placement

HUB directs practitioners to a broker conversation rather than a self-service quote. USI directs organizations to a published inquiries email or a local office. USI also lists captives, RRGs and purchasing groups among risk-transfer options; HUB’s reviewed malpractice page does not describe those structures. [4](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") [8](https://www.usi.com/property-casualty/healthcare/ "Healthcare")

## What to Confirm in Medical Malpractice Insurance Quotes

- Ask HUB for form type, DDR eligibility period and settlement-consent language. [4](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers")
- Ask USI whether captives or RRGs are in play and whether it will review your loss history. [8](https://www.usi.com/property-casualty/healthcare/ "Healthcare")
- Confirm the issuing carrier and limits on both. [4](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") [8](https://www.usi.com/property-casualty/healthcare/ "Healthcare")
- Check telemedicine wording on HUB’s quote and whether USI’s program includes cyber, HIPAA or billing/regulatory cover beside malpractice. [4](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") [8](https://www.usi.com/property-casualty/healthcare/ "Healthcare")

## Offering Details

| Criteria | HUB International Medical Malpractice Insurance Brokerage | USI Healthcare Practice — Medical Professional (Malpractice) Liability |
| --- | --- | --- |
| 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. [4](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") (Evidence: Company-reported; scope: 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. [8](https://www.usi.com/property-casualty/healthcare/ "Healthcare") (Evidence: Company-reported; scope: Healthcare practice page..) |
| Issuing Insurer | HUB says it provides access to financially stable, "A"-rated insurance carriers for medical malpractice coverage, but does not name the specific insurer that would issue a given client's policy. [4](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") (Evidence: Company-reported; scope: Medical malpractice product page carrier-access statement; the page describes market access, not a named carrier..) | The Healthcare practice page does not name a specific medical malpractice insurer; it says USI has access to both traditional and nontraditional risk-transfer structures, including captives, risk retention groups and risk purchasing groups, without naming a carrier for any of them. [8](https://www.usi.com/property-casualty/healthcare/ "Healthcare") (Evidence: Not publicly disclosed; scope: Page as read on 2026-09-23..) |
| 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. [4](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") (Evidence: Company-reported; scope: 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. [8](https://www.usi.com/property-casualty/healthcare/ "Healthcare") (Evidence: Company-reported; scope: Company description of client base, not a guaranteed underwriting appetite..) |
| 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. [4](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") (Evidence: Company-reported; scope: Medical malpractice product page policy-type and telemedicine sections; a specific client's policy form and trigger are set at binding..)<br><br>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. [4](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") (Evidence: Company-reported; scope: 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. [8](https://www.usi.com/property-casualty/healthcare/ "Healthcare") (Evidence: Company-reported; scope: Catalogue of practice offerings; specific insuring agreements, exclusions and limits are set by the issued policy..) |
| Limits and Retentions | Published medical malpractice policy limits, retentions or pricing were not found on the reviewed page. [4](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") (Evidence: Not publicly disclosed; scope: Checked the medical malpractice product page on 2026-09-23; limits are set on the quote and declarations..) | Not described in the reviewed sources. |
| Risk Services | HUB describes claims defense with settlement-consent provisions and says its team provides experienced claims management and communication for medical malpractice clients. [4](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") (Evidence: Company-reported; scope: 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. [8](https://www.usi.com/property-casualty/healthcare/ "Healthcare") (Evidence: Company-reported; scope: Single named case study; company-reported outcome, not independently verified, and not necessarily representative of every account..) |
| How to Apply | HUB directs practitioners to a broker to discuss medical malpractice coverage rather than a self-service online quote. [4](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") (Evidence: Company-reported; scope: 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. [8](https://www.usi.com/property-casualty/healthcare/ "Healthcare") (Evidence: Company-reported; scope: Contact instructions on the Healthcare practice page..) |

## Full Comparison

- [HUB International vs USI Insurance Services](https://spot.insure/compare/hub-international-vs-usi): all coverage lines, business roles, service and claims.
- [What Is Medical Malpractice Insurance?](https://spot.insure/coverage/medical-malpractice): Medical malpractice insurance can help pay defense costs and covered damages from claims about a health care professional's medical services.
- [HUB International vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-usi/commercial-property)
- [HUB International vs USI Insurance Services Crime Insurance](https://spot.insure/compare/hub-international-vs-usi/crime)
- [HUB International vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/hub-international-vs-usi/cyber)
- [HUB International vs USI Insurance Services D&O Insurance](https://spot.insure/compare/hub-international-vs-usi/directors-officers)
- [HUB International vs USI Insurance Services Employee Health Benefits](https://spot.insure/compare/hub-international-vs-usi/employee-health-benefits)
- [HUB International vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-usi/employment-practices)
- [HUB International vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-usi/fiduciary)
- [HUB International vs USI Insurance Services Management Liability Insurance](https://spot.insure/compare/hub-international-vs-usi/management-liability)
- [HUB International vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-usi/professional-errors-omissions)
- [HUB International vs USI Insurance Services Representations and Warranties Insurance](https://spot.insure/compare/hub-international-vs-usi/representations-warranties)
- [HUB International vs USI Insurance Services Surety Bonds](https://spot.insure/compare/hub-international-vs-usi/surety-bonds)
- [HUB International vs USI Insurance Services Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-usi/workers-compensation)
- [Beazley vs HUB International Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-hub-international/medical-malpractice)
- [Beazley vs USI Insurance Services Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-usi/medical-malpractice)
- [Corgi vs HUB International Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-hub-international/medical-malpractice)
- [Corgi vs USI Insurance Services Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-usi/medical-malpractice)
- [Harper vs HUB International Medical Malpractice Insurance](https://spot.insure/compare/harper-vs-hub-international/medical-malpractice)
- [Harper vs USI Insurance Services Medical Malpractice Insurance](https://spot.insure/compare/harper-vs-usi/medical-malpractice)

## Sources

### HUB International

1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
4. [Medical Malpractice Insurance Brokers](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/). HUB International; Definition as a form of errors and omissions coverage; who needs coverage list; carrier access and pricing; policy types (occurrence, claims-made, convertible claims-made); telemedicine liability; claims defense and settlement-consent provisions; death, disability and retirement tail-coverage benefit; broker-connection call to action. Accessed 2026-09-23.

### USI Insurance Services

5. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
6. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
7. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
8. [Healthcare](https://www.usi.com/property-casualty/healthcare/). USI Insurance Services; USI's Healthcare Practice addresses risk exposures...for organizations associated with the healthcare industry...; serves hospitals, physicians, surgery centers, dialysis clinics, senior care/assisted living facilities...; offers specialty coverages...including: Medical Professional (Malpractice) Liability...; captives, risk retention groups and risk purchasing groups; ACO Shield...CHC Shield...; CASE STUDY: USI's Healthcare Review of Loss History Records. Accessed 2026-09-23.

### Medical Malpractice Insurance Guide

9. [Medical Malpractice Insurance](https://content.naic.org/insurance-topics/medical-malpractice-insurance). National Association of Insurance Commissioners; Background: Issue; Overview; two basic types. Accessed 2026-09-16.
10. [Medical Liability Insurance shopping guide](https://www.tdi.texas.gov/commercial/pcmedmal.html). Texas Department of Insurance; What is medical liability insurance?; Claims-made versus occurrence; changing carriers; renewal tips. Accessed 2026-09-16.

Updated 2026-09-23. 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.

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