What Are the Key Differences Between HUB International and THREE by Berkshire Hathaway Professional Liability (E&O) Insurance?
Claims-Made Structure and Prior Work
HUB says E&O policies are typically claims-made, can include prior-acts coverage back to a retroactive date, and may add tail coverage for an extended reporting period. It also says the policy can extend to independent contractors and temporary staff doing work for the business. THREE markets E&O within its BOP but does not explain a separate trigger or prior-acts treatment on the public product page. This distinction matters when work predates the policy or a contractor delivers client services: compare dates and insured-person wording in the proposed forms. [5] [1] [3]
Claims Notification Route
HUB instructs policyholders to notify both broker and carrier as soon as possible and submit a narrative of events with supporting documents. THREE describes reporting claims online or by phone, followed by an assigned account manager for questions and updates. The practical check is who receives notice first and what deadline applies under each issued policy. [5] [3]
What Should You Confirm in HUB International and THREE by Berkshire Hathaway Professional Liability (E&O) Insurance Quotes?
- Ask HUB for the retroactive date, tail options, contractor and temporary-staff treatment, and carrier contact for notice. [5]
- Ask THREE to identify E&O's reporting trigger, retroactive date, limit and deductible in the issued package documents. [1] [3]
- Compare the notice deadline and required incident narrative with HUB's broker-and-carrier instructions and THREE's online or phone route. [5] [3]