Heffernan vs Hub International: Medical Malpractice Insurance

Heffernan Insurance Brokers serves physician groups, clinics and hospitals and can arrange self-insured plans; HUB International focuses on individual practitioners and offers free tail coverage after two to five years.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-25

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

Organizations vs Individual Practitioners

Heffernan's healthcare team works with physician groups, clinics, hospitals, patient transport, laboratories, home care and senior living, including nonprofits. HUB's list reads like a roster of individual licenses: physicians, PAs, NPs, nurses, CRNAs, physical therapists, personal trainers, optometrists and dentists. Choose Heffernan if you run a facility or group that could self-insure part of the risk; choose HUB if you're a clinician buying your own policy. [2] [3]

Funding Options vs Policy Form Choices

Heffernan's lever is how you fund the risk: fully insured, a captive, or partial or full self-insurance. HUB's lever is the policy form: occurrence, claims-made or convertible claims-made, with telemedicine liability for privacy breaches and technology errors. [2] [3]

Retirement Tail and Claim Defense

If you retire, become disabled or die after two to five years with the same carrier, HUB says your tail comes free, and it describes settlement-consent provisions so a claim isn't settled without your say. Heffernan's page covers neither, so ask before you assume them. [3] [2]

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

  • Ask Heffernan which insurer backs a fully insured program and what size a captive or self-insured plan requires. [2]
  • Ask HUB which form you're quoted and whether that carrier's DDR tail applies to your tenure. [3]
  • Ask both for limits and premium in writing; neither publishes them. [2] [3]

Heffernan suits healthcare organizations that want malpractice folded into one program with workers' comp and cyber, or funded through a captive or self-insurance. HUB suits individual clinicians who want a choice of occurrence or claims-made forms and a free tail after two to five years.

Sources reviewed

  1. 01
    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

  2. 02
    Healthcare Insurance for Health Care Services

    Heffernan Insurance Brokers · Healthcare Services: Allied Health & Specialty Centers, Home Care Agencies, Medical Malpractice (Med Mal), Senior Living Communities; from physician groups, clinics, and hospitals to patient transport companies and laboratories; if you'd like a fully insured plan, we have relationships with the nation's top insurance carriers; explore captive, partially-self-insured or fully-self-insured plans; dovetail all the coverages you need — from workers' compensation to professional liability, cyber liability and more · accessed 2026-09-23

  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

Areas of coverage

Heffernan Insurance Brokers

  • role: Heffernan lists Medical Malpractice (Med Mal) as one of its named healthcare service specialties, placing coverage with carriers for health care clients rather than underwriting it. Healthcare Insurance page as read on 2026-09-23; no dedicated medical-malpractice sub-page was found beyond this healthcare practice page.company-reportedSource ↗
  • eligibility: Heffernan says its health care risk-management team serves physician groups, clinics, hospitals, patient transport companies, and laboratories, plus specialty practices in allied health, home care, and senior living. Healthcare Insurance page as read on 2026-09-23; not exclusively medical-malpractice-specific, but names the buyer types the practice serves.company-reportedSource ↗
  • coverage: Heffernan says it packages medical malpractice with other healthcare coverages such as workers' compensation, professional liability, and cyber liability for a single client program. Healthcare Insurance page as read on 2026-09-23; the page does not describe medical-malpractice insuring agreements, claims-made versus occurrence form, or limits separately from the bundled list.company-reportedSource ↗
  • insurer: Heffernan says it has relationships with 'the nation's top insurance carriers' for a fully insured healthcare plan, but the reviewed page does not name a specific medical-malpractice insurer. Healthcare Insurance page as read on 2026-09-23.not-disclosedSource ↗
  • services: Beyond fully insured placements, Heffernan offers healthcare clients captive, partially self-insured, or fully self-insured plan structures, and says it has experience serving nonprofit health care organizations. Healthcare Insurance page as read on 2026-09-23; described for the healthcare practice generally, not exclusively for medical malpractice.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 ↗

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