Hub International vs Usi: 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.

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

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.

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. [2] [6]

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. [2] [6]

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. [6] [2]

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. [2]
  • Ask USI whether a captive or RRG is proposed and request a review of your loss runs. [6]
  • Get the issuing insurer and limits in writing from both. [2] [6]
  • If you see patients remotely, check that HUB's telemedicine wording covers your platform. [2]

Areas of coverage

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 ↗

USI Insurance Services

  • role: 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. Healthcare practice page.company-reportedSource ↗
  • insurer: 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. Page as read on 2026-09-23.not-disclosedSource ↗
  • eligibility: 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. Company description of client base, not a guaranteed underwriting appetite.company-reportedSource ↗
  • coverage: 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. Catalogue of practice offerings; specific insuring agreements, exclusions and limits are set by the issued policy.company-reportedSource ↗
  • services: 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. Single named case study; company-reported outcome, not independently verified, and not necessarily representative of every account.company-reportedSource ↗
  • application: USI directs healthcare organizations to email pcinquiries@usi.com or contact a local USI office to engage its Healthcare practice. Contact instructions on the Healthcare practice page.company-reportedSource ↗

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
    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

  3. 03
    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

  4. 04
    Medical Malpractice Insurance

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

  5. 05
    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

  6. 06
    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

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