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

Zurich U.S. describes Pro Plus, a suite of coverages in one policy with E&O available in most states, aimed at technology, manufacturing and third-party service providers. HUB International is a broker that tailors E&O to size, industry and limits.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-30

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 ↗

Zurich U.S.

  • coverage: Zurich says E&O can address professional-service negligence, mistakes or failure to deliver promised services, including defense costs, court fees, settlements and judgments. Zurich U.S. brand; exact underwriting company may vary by policy and state; professional errors and omissions; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms.company-reportedSource ↗
  • eligibility: Zurich names technology, manufacturing and third-party service providers among targeted E&O classes. Zurich U.S. brand; exact underwriting company may vary by policy and state; professional errors and omissions; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms.company-reportedSource ↗
  • coverage: Zurich’s Pro Plus is a modular suite of coverages in one policy; admitted E&O coverage is available in most states. Zurich U.S. brand; exact underwriting company may vary by policy and state; professional errors and omissions; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms.company-reportedSource ↗
  • claims: Zurich describes E&O claims specialists and underwriters and says claims are reviewed under policy terms with legal counsel coordination. Zurich U.S. brand; exact underwriting company may vary by policy and state; professional errors and omissions; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms.company-reportedSource ↗

What Are the Key Differences Between HUB International and Zurich U.S. Professional Liability (E&O) Insurance?

Prior Acts, Tail, and Contractors

HUB says E&O can be structured with prior-acts coverage back to a retroactive date, tail reporting after the policy ends, and coverage for independent contractors and temporary staff. Zurich describes E&O for service negligence and failure to deliver promised work but its reviewed record does not detail those timing or worker terms. Ask each for the retroactive date, reporting extension, and definition of insured persons. [2] [7]

Claim Notice and Placement

HUB directs buyers to a broker for customized placement and tells policyholders to notify their broker and carrier promptly after an incident with an event narrative. Zurich describes E&O claims specialists coordinating with legal counsel. Compare the placement and notice process before buying, especially if you expect help assembling claim materials. [2] [7]

What Should You Confirm in HUB International and Zurich U.S. Professional Liability (E&O) Insurance Quotes?

  • Ask HUB to state the retroactive date, tail options, and contractor coverage; ask Zurich for equivalent terms and its first claim contact. [2] [7]

HUB says its brokered E&O can cover contractor work and offer prior-acts and tail provisions. Zurich describes E&O for professional mistakes, including defense costs, settlements, and judgments.

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
    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

  6. 06
    Get business insurance

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

  7. 07
    Errors and Omissions Insurance – E&O | Zurich Insurance

    Zurich U.S. · Pro Plus coverage, targeted classes, policy structure, claims and underwriting · accessed 2026-09-28

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