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

HUB International brokers E&O, naming accounting, law, medical, real estate and engineering firms as typical buyers, and describes its policies without an online quote flow. Foxquilt provides a quote path aimed at technology and creative groups.

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

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

Tailoring the policy

HUB International arranges E&O policies that can include defense costs, judgments, settlements and fines across allegations such as misleading advice and professional-service breaches. Foxquilt describes claims-made coverage for financial loss from professional services or advice, without published limits or detailed covered allegations. Ask both to map your client-facing work and contract promises to the proposed wording. [4] [1]

Who fits the documented scope

HUB International says its broker customizes placement around business size, industry, location, risk and desired limits; policies are typically claims-made and may include prior acts or an extended reporting period (tail coverage after a policy ends). Foxquilt also labels its described E&O claims-made. Compare retroactive dates and any tail options on the proposed policy forms before changing insurers. [4] [3] [1]

HUB International names accounting, law, medical, finance, real estate, architecture, engineering, consulting and contracting buyers, with technology also covered by its industry practice. Foxquilt names technology and creative classes. A technology consultant can use the overlap to compare proposed terms, while a buyer in a different profession should ask Foxquilt to confirm appetite. [4] [1]

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

  • Ask Foxquilt for retroactive-date, tail and per-claim/aggregate limit options; ask HUB International for the proposed exclusions and how its selected form treats fines and any claim tied to your contracts. [1] [4] [3]

Areas of coverage

Foxquilt

  • role: Foxquilt markets a Professional Liability / Errors & Omissions product. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • coverage: The page describes claims alleging financial loss caused by professional services or advice and labels the product claims-made. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • eligibility: The page names technology and creative classes among its target groups; it does not provide a complete eligibility list. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • application: The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • limits: The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.not-disclosedSource ↗

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 ↗

HUB’s E&O page describes claims-made structures, per-claim and aggregate limits, prior acts and tail coverage. Foxquilt names technology and creative classes and labels its described E&O claims-made; actual forms and availability depend on the proposal.

Sources reviewed

  1. 01
    Professional Liability (E&O)

    Foxquilt · E&O summary and claims-made label; coverage examples; “Tech & Creative” classes; digital quote/buy; North American availability; lines 22–29, 52–65, 99–120, 138–253. · accessed 2026-09-29

  2. 02
    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

  3. 03
    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

  4. 04
    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

  5. 05
    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

  6. 06
    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

  7. 07
    Get business insurance

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

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