CNA vs Hub International: Professional Liability / E&O Insurance

HUB International is a broker that tailors E&O to business size, industry and desired limits, with no online quote flow described. CNA's Epack 3 combines technology and professional liability with cyber and media.

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

CNA describes Epack 3 and EPS Plus as distinct E&O package routes. HUB says E&O policies are typically claims-made and may include prior acts, an extended reporting period, and contractor or temporary-staff coverage.

Sources reviewed

  1. 01
    Cyber Insurance - Cyber Risk Solutions

    CNA · Current U.S. page: Epack 3 combines cyber, media, technology and professional liability; MPL appetite, media support, technology E&O, claims and risk-control descriptions. Retrieved 2026-09-30. · accessed 2026-09-30

  2. 02
    Epack 3 – Cyber, Media, Technology & Professional Liability

    CNA · Official sell sheet: modular bundled policy, media coverages and possible extensions, technology/professional line descriptions and quote process for small risks. Marketing summary expressly defers to issued policy. Retrieved 2026-09-30. · accessed 2026-09-30

  3. 03
    Professional Liability – US Direct Errors and Omissions Insurance

    Hiscox Inc. specimen · About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act · accessed 2026-09-16

  4. 04
    Errors and Omissions (E&O) Insurance Coverage

    HUB International · Industries served list including accounting, architecture, creative, dental, engineering, financial, medical, media and technology; prior-acts coverage; claims-made structure with per-claim and aggregate limits and tail coverage; claims-notification steps · accessed 2026-09-23

  5. 05
    Professional Liability Insurance Brokers

    HUB International · What is professional liability?; Who Needs Professional Liability Insurance Coverage?; How Can You Limit Your Exposure to Professional Liability?; exclusions; Connect With a Broker · accessed 2026-09-23

  6. 06
    Professional liability insurance

    Insurance Information Institute · Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion) · accessed 2026-09-16

  7. 07
    FAQ: Professional liability insurance

    Texas Department of Insurance · What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies · accessed 2026-09-16

  8. 08
    Get business insurance

    U.S. Small Business Administration · Six common types of business insurance table · accessed 2026-09-16

What Are the Key Differences Between CNA and HUB International Professional Liability (E&O) Insurance?

Claims-Made Continuity

HUB says E&O policies are typically claims-made and can include prior acts back to a retroactive date and tail coverage for an extended reporting period; coverage can also extend to independent contractors and temporary staff. CNA describes Epack 3 and EPS Plus as distinct packages; a buyer changing carriers should compare the offered form’s continuity terms with HUB’s listed options. If you are changing carriers or have temporary staff, compare retroactive dates, tail cost, and who qualifies as an insured. [4] [2]

Broker Placement and Policy Customization

HUB says it customizes E&O placement around business size, industry, location, risk base, and desired limits; it directs prospects to a broker. CNA describes Epack 3 and EPS Plus as different E&O package routes. Ask HUB which insurer will issue the proposed form and ask CNA which product configuration and services definition would be quoted for the same work. [5] [1]

What Should You Confirm in CNA and HUB International Professional Liability (E&O) Insurance Quotes?

  • Ask HUB for the retroactive date, tail terms, contractor status, and named insurer. [4]
  • Ask CNA which form applies and whether E&O is combined with cyber or media. [1]

Areas of coverage

CNA

  • role: CNA describes Epack 3 as combining technology and professional liability with cyber and media in a modular policy; EPS Plus combines E&O and cyber for professional-services firms. These are separate product routes and are not evidence that technology E&O and miscellaneous E&O share identical wording.company-reportedSource ↗Source ↗
  • eligibility: CNA says its Miscellaneous Professional Liability targets non-licensed professional classes such as consultants, staffing firms, advertising agencies and event planners. The listed classes are a target list, not a complete or guaranteed eligibility rule.company-reportedSource ↗
  • coverage: CNA markets Technology E&O for technology businesses facing professional-liability exposures and says it is intended to support contractual requirements. The page is a summary and does not define covered services, contract exceptions or policy triggers.company-reportedSource ↗
  • services: CNA describes dedicated claims and risk-control support for its cyber, media, technology and professional-liability business. This portfolio-level statement does not establish a service outcome or a line-specific claims protocol.company-reportedSource ↗

HUB International

  • role: HUB brokers professional liability, which it also calls errors and omissions (E&O) insurance, rather than underwriting the coverage itself. Professional liability and E&O product pages as read 2026-09-23; neither names an issuing insurer.company-reportedSource ↗Source ↗
  • coverage: HUB says professional liability/E&O policies it arranges can cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful business practices, misleading advice and conflict of interest, plus libel, slander or lost-profit claims; intentional acts and employment claims are typically excluded. Product-page coverage description; the issued policy and its exclusions control an actual claim.company-reportedSource ↗
  • eligibility: HUB names accounting, law, medical, financial-advisory, real estate, architecture and engineering, consulting, and contracting businesses as typical E&O buyers, and separately lists technology among nine industries its E&O practice serves. Combined professional-liability and E&O industry lists; not a published underwriting appetite by state.company-reportedSource ↗Source ↗
  • coverage: HUB says E&O policies are typically claims-made with per-claim and aggregate limits, can be structured with prior-acts coverage back to a retroactive date, and can offer tail coverage for an extended reporting period; coverage can extend to independent contractors and temporary staff performing work for the business. E&O product-page structure description; specific limits and retroactive dates are set on the quote and declarations.company-reportedSource ↗
  • insurer: Neither the professional liability nor the E&O product page names an issuing insurer; HUB places this coverage with insurers that vary by client and placement. Checked both pages on 2026-09-23; no carrier is disclosed on either.not-foundSource ↗Source ↗
  • claims: HUB's E&O page tells policyholders to notify their broker and carrier as soon as possible after an incident and submit documentation including a narrative of the events leading up to the claim. E&O product-page claims-notification guidance; a general process description, not an outcome measurement.company-reportedSource ↗
  • application: HUB directs prospects to connect with a broker; the pages describe professional liability/E&O policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. Product-page call to action and customization description as read 2026-09-23.company-reportedSource ↗Source ↗

Ask Kearny Risk to help relate this comparison to your services and contracts.

Contact Kearny Risk