CNA vs Hub International: Medical Malpractice Insurance

HUB International brokers malpractice for individual practitioners and adds free tail coverage after two to five years with one carrier; CNA covers facilities and providers with primary and excess towers.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-10-01

Areas of coverage

CNA

  • eligibility: CNA lists medical professional liability for healthcare facilities and providers, including outpatient classes such as ambulatory surgery, dialysis, clinics and home health. Entity: CNA brand; underwriting company may vary Product: Healthcare medical professional liability for listed facilities/providers Jurisdiction: United States Research source scope: U.S. healthcare professional liability including facilities and outpatient classes Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source/date qualification: Healthcare capabilities brochure version 20260827 / ©2026; claims apply to the listed healthcare classes and do not generalize aging-services state or surplus-lines terms to every class.company-reportedSource ↗
  • coverage: CNA describes primary professional liability options and separate excess/umbrella towers for healthcare accounts. Entity: CNA brand; underwriting company may vary Product: Healthcare medical professional liability Jurisdiction: United States Research source scope: U.S. healthcare professional liability including facilities and outpatient classes Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source/date qualification: Healthcare capabilities brochure version 20260827 / ©2026; claims apply to the listed healthcare classes and do not generalize aging-services state or surplus-lines terms to every class.company-reportedSource ↗
  • claims: CNA describes a healthcare claims team of 70 professionals averaging 20 years of experience, including medical-malpractice litigation experience. Entity: CNA brand; underwriting company may vary Product: Healthcare professional-liability claims service Jurisdiction: United States Research source scope: U.S. healthcare professional liability including facilities and outpatient classes Claim limitation: Company-reported staffing/experience; not an outcome or service-level guarantee. Source/date qualification: Healthcare capabilities brochure version 20260827 / ©2026; claims apply to the listed healthcare classes and do not generalize aging-services state or surplus-lines terms to every class.company-reportedSource ↗
  • services: CNA describes consultative risk-control assessments and training for healthcare customers. Entity: CNA brand; underwriting company may vary Product: Healthcare professional liability risk-control services Jurisdiction: United States Research source scope: U.S. healthcare professional liability including facilities and outpatient classes Claim limitation: Service description does not alter policy coverage. Source/date qualification: Healthcare capabilities brochure version 20260827 / ©2026; claims apply to the listed healthcare classes and do not generalize aging-services state or surplus-lines terms to every class.company-reportedSource ↗

HUB International

  • role: 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. Medical malpractice product page, read 2026-09-23; the page does not name an issuing insurer.company-reportedSource ↗
  • eligibility: 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. Medical malpractice product page practitioner list; not an underwriting appetite statement.company-reportedSource ↗
  • 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. Medical malpractice product page carrier-access statement; the page describes market access, not a named carrier.company-reportedSource ↗
  • coverage: 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. Medical malpractice product page policy-type and telemedicine sections; a specific client's policy form and trigger are set at binding.company-reportedSource ↗
  • coverage: 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. Medical malpractice product page DDR-benefit description; exact eligibility periods and terms are set by the issuing carrier's policy.company-reportedSource ↗
  • services: HUB describes claims defense with settlement-consent provisions and says its team provides experienced claims management and communication for medical malpractice clients. Medical malpractice product page claims-defense description.company-reportedSource ↗
  • application: HUB directs practitioners to a broker to discuss medical malpractice coverage rather than a self-service online quote. Medical malpractice product page broker-connection call to action.company-reportedSource ↗
  • limits: Published medical malpractice policy limits, retentions or pricing were not found on the reviewed page. Checked the medical malpractice product page on 2026-09-23; limits are set on the quote and declarations.not-disclosedSource ↗

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

Healthcare Classes and Practitioners

CNA lists medical professional liability for healthcare facilities and providers, including ambulatory surgery, dialysis, clinics, and home health. HUB lists practitioners it says should consider medical-malpractice coverage, including physicians, physician assistants, nurse practitioners, registered nurses, physical therapists, optometrists, and dentists. A facility-led organization can use CNA’s named settings to frame its submission; an individual practitioner can check whether HUB’s listed profession appears in its quote discussion. Neither marketing list guarantees underwriting acceptance. [1] [3]

Claims Handling and Support

CNA reports a healthcare claims team of 70 professionals averaging 20 years of experience, including medical-malpractice litigation experience. HUB describes experienced claims management and communication, plus claims defense with settlement-consent provisions. Both describe claims services, but CNA reports team scale and experience while HUB describes defense and consent processes; neither statement predicts an individual claim outcome. Ask who manages the defense, what settlement-consent rights appear in the proposed form, and how claims are escalated. [1] [3]

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

  • Ask CNA which healthcare class fits your organization and who will manage a malpractice claim under the proposed policy. [1]
  • Ask HUB which practitioners and entities are covered, who manages defense, and how settlement consent is documented in the policy. [3]

CNA names healthcare facilities and outpatient classes, while HUB lists practitioners such as physicians, nurses, and dentists. CNA reports claims-team size and experience; HUB describes claims management, defense, and settlement consent.

Sources reviewed

  1. 01
    Tailored Coverages for Aging Services, Allied Healthcare Facilities and More | CNA

    CNA · pp. 4–5, 7–8: healthcare classes, PL/GL options, claims and risk-control capabilities · accessed 2026-09-28

  2. 02
    Physicians Medical Professional Liability — Specimen Policy

    Curi underwriting companies identified on specimen cover · Base I–III printed pp.1–3/PDF pp.2–4; V–VI pp.3–6; VIII p.7; XII pp.11–13 · accessed 2026-09-16

  3. 03
    Medical Malpractice Insurance Brokers

    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

  4. 04
    Physician Application

    MedPro Group / issuing companies identified on application · I–II p.1; III pp.2–4; IV pp.4–5; V pp.5–6; VI p.6 · accessed 2026-09-16

  5. 05
    Medical Malpractice Insurance

    National Association of Insurance Commissioners · Background: Issue; Overview; two basic types · accessed 2026-09-16

  6. 06
    Medical Liability Insurance shopping guide

    Texas Department of Insurance · What is medical liability insurance?; Claims-made versus occurrence; changing carriers; renewal tips · accessed 2026-09-16

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