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

HUB International brokers for individual practitioners and offers free tail coverage after two to five years; Vouch is a broker for healthcare and life sciences companies and starts with an online application.

Individual clinicians such as physicians, nurses, therapists and dentists get more published policy detail from HUB, including a free tail on death, disability or retirement; HealthTech and digital-health companies get a broker in Vouch focused on where malpractice, E&O and cyber overlap. ^1,²

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

Practitioners vs Health Companies

Both HUB and Vouch are brokers, but they court different buyers. HUB names licensed practitioners: physicians, PAs, nurse practitioners, CRNAs, physical therapists, optometrists, dentists and even personal trainers. Vouch targets companies, citing more than 550 clients across HealthTech, clinical care and digital health. Choose HUB if you're an individual clinician or small practice buying your own policy; choose Vouch if you're a health-technology company insuring the business. ¹ ²

Policy Terms You Can See Before Calling

HUB publishes more of the structure: occurrence, claims-made and convertible claims-made forms, telemedicine liability for privacy breaches and technology errors, and settlement-consent defense, meaning the insurer needs your agreement before settling. Vouch lists none of these, so you learn the terms only from its quote. ¹ ²

Tail Cover When You Stop Practicing

HUB says you get free tail coverage on death, disability or retirement once you've stayed two to five years with the same carrier, which matters if you're later in your career. Vouch doesn't mention a tail benefit, and it starts you in an online Get Started form where HUB starts with a broker conversation. ¹ ²

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

Ask HUB which form you're quoted on and exactly how many years with that carrier trigger the free DDR tail. ¹
Ask Vouch which insurer issues the policy and whether it offers tail or settlement-consent terms. ²
Ask both for limits and retentions; neither publishes them. ¹ ²

HUB International vs Vouch Medical Malpractice Insurance Compared

HUB International vs Vouch: Medical Malpractice Insurance: documented features by provider

Criteria	HUB International Medical Malpractice Insurance Brokerage	Vouch Medical Malpractice Insurance
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.	Vouch markets medical malpractice coverage to healthcare and life sciences companies, saying it works with more than 550 companies in that segment across HealthTech, clinical care and digital health. ²Company-reported. Vouch's Healthcare & Life Sciences page; not an underwriting appetite guarantee for any specific applicant.
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.	Vouch's site routes prospective healthcare buyers to its online "Get Started" application flow. ²Company-reported. Vouch Healthcare & Life Sciences page navigation.
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.	Vouch says healthcare sits where clinical, technology and operational risk collide, so malpractice, errors and omissions, and cyber exposures can overlap and blur together in ways it says other brokers miss when arranging coverage. ²Company-reported. Vouch's stated approach to overlapping healthcare liability exposures; the page does not itemize malpractice insuring agreements or exclusions.
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.	Vouch is a broker, not an insurer, for medical malpractice coverage. It lists Medical Malpractice among the core coverages it places for healthcare and life sciences clients. ²Company-reported. Vouch's Healthcare & Life Sciences practice page.