Hub International vs Marsh Mclennan Agency: Professional Liability / E&O Insurance

Both are brokers. Marsh McLennan Agency points to specialist lines such as architects and engineers or lawyers professional liability; HUB International lists typical E&O buyers from accounting to contracting and offers prior-acts and tail options.

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

Areas of coverage

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 ↗

Marsh McLennan Agency

  • role: Marsh McLennan Agency describes arranging professional errors omissions for the audience stated on the cited product page. professional errors omissions marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • eligibility: Organizations seeking professional liability placement; source does not imply all professions share one policy. professional errors omissions marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • coverage: The cited product page describes E&O and named specialist professional lines, including architects and engineers and lawyers professional liability; the overview does not treat them as one form. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. professional errors omissions marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • application: The page invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. professional errors omissions marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • limits: The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred.not-disclosedSource ↗

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

Prior acts, tail and contractor terms

HUB says its E&O policies are typically claims-made, can include prior acts back to a retroactive date, may offer tail coverage, and can extend to independent contractors and temporary staff doing work for the business. MMA’s source names E&O and separate A&E and lawyers lines. A business changing brokers should compare the proposed retroactive date and insured-person language in the actual policy rather than assume continuity from the product names. [2] [5]

Line category and policy-specific terms

HUB describes structure options for its E&O placement, with specific limits and retroactive dates set by the quote and declarations. MMA’s source names general E&O and specialist professional products. For the same operation, ask both teams to identify the form, each-claim and aggregate limits, reporting period and whether temporary staff or contractors are insured. [2] [5]

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

  • Will HUB preserve the retroactive date and include the workers who perform services for your business? [2] [5]
  • Which MMA line, limits and reporting options fit the same service scope? [2] [5]

HUB says E&O can include prior-acts coverage, tail reporting and coverage for independent contractors or temporary staff. MMA names E&O, A&E and lawyers professional lines.

Sources reviewed

  1. 01
    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

  2. 02
    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

  3. 03
    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

  4. 04
    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

  5. 05
    Executive and Professional Liability | MMA

    Marsh McLennan Agency · E&O, architects and engineers, and lawyers professional lines are named in the policy suite. · accessed 2026-09-30

  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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