What Are the Key Differences Between Hiscox and Liberty Mutual Professional Liability (E&O) Insurance?
Claims-made timing and form confirmation
Hiscox describes its small-business professional-liability policy as claims-made: the claim must be made, and typically reported, while the policy is active. Liberty Mutual’s portfolio lists Physicians & Surgeons Professional as “PL Only,” while its listing does not establish the form terms for a quote. A business changing insurers should compare the retroactive date and reporting requirements in the actual proposals; the physician program name does not establish a different trigger. [4] [7]
Direct application and administrator inquiry
Hiscox says its professional-liability product is licensed for sale in 49 states and Washington, D.C., excluding Alaska, and notes that a specialist broker may help where online sale is unavailable. Liberty Mutual lists a physician program managed through administrators. The first source describes a state-limited direct catalogue with a possible broker route; the second identifies an administrator inquiry for a named clinical offering. A buyer outside Hiscox’s stated direct-sale area should ask about that route, while a physician should check program fit directly. [3] [7]