What Are the Key Differences Between HUB International and Liberty Mutual Professional Liability (E&O) Insurance?
Claims-made, prior acts and tail
HUB International says the E&O policies it arranges are typically claims-made, with per-claim and aggregate limits, and can be structured with prior acts or tail coverage. Liberty Mutual names a Physicians & Surgeons Professional program, but its listing does not establish the quote’s trigger or reporting terms. That distinction matters at renewal: a practice should compare HUB International’s stated structures with the actual Liberty Mutual form rather than assume the physician program follows either pattern. HUB International also says specific limits and retroactive dates are set on the quote. [2] [5]
Broker and program-administrator routes
HUB International describes professional liability as brokered coverage and directs prospects to connect with a broker; Liberty Mutual says its specialty programs are managed by administrators and supplies inquiry contacts. Those roles shape where a buyer begins, not which policy terms will be issued. HUB International says insurers can vary by client and placement, so the quote should name the carrier; a physician approaching Liberty Mutual should first identify the administrator handling the specific program. [3] [5]