At-Bay vs HUB International: How Do They Compare for Cyber Insurance?

HUB International is a broker that cites breach statistics and describes no online quote; At-Bay takes emailed or platform submissions and bundles vulnerability monitoring with every policy.

HUB brokers cyber for any business that stores data on a network and lists privacy-attorney, forensic and notification costs among arranged covers, without an online quote. At-Bay includes Stance monitoring and writes primary and excess cyber for revenue up to $5 billion and limits up to $10 million. ^5,¹

What Are the Key Differences Between At-Bay and HUB International Cyber Insurance?

A Specialist Assessment Versus Stance on a Named Product

HUB brokers cyber rather than underwriting it, frames the coverage as relevant to any business that stores data on a network, and directs you to a broker or cyber specialists for a policy assessment rather than an online quote. At-Bay includes Stance on every policy and publishes appetite up to $5 billion in revenue and $10 million in limits, with a Broker Platform for accounts inside the automated band. Choose HUB if you want that specialist assessment across an unnamed panel; choose At-Bay if you want Stance and those published ceilings. ⁵ ¹

Listed Response Costs Versus Included Crime Covers

HUB lists privacy attorney services, IT forensic investigation, state breach-notification compliance, credit monitoring, crisis PR and regulatory fines among arranged covers, and cites that 85% of data-breach insurance claims come from small to midsize businesses. At-Bay lists social engineering and invoice manipulation for all classes, contingent business interruption, cryptojacking and bricking at full limits, and a breach-coach line. HUB does not publish limits; At-Bay does. ⁵ ¹ ⁴

What Should You Confirm in At-Bay and HUB International Cyber Insurance Quotes?

Ask HUB which carrier it will place and which listed response services are in the quote. ⁵
Ask At-Bay which appetite band and Stance tier apply. ¹
Get HUB's proposed limit in writing; it argues response costs can reach six figures but does not post a standard limit. ⁵

At-Bay vs HUB International Cyber Insurance Compared

At-Bay vs HUB International: Cyber Insurance: documented features by provider

Criteria	At-Bay Cyber Insurance	HUB International Cyber Insurance Brokerage
How to Apply	You apply for At-Bay cyber coverage by emailing a submission to underwriting@at-bay.com or by requesting an automated quote through At-Bay's Broker Platform. ¹Company-reported. Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings.	HUB directs you to a broker or its cyber specialists for a policy assessment; no online quote is described. ⁵Company-reported. Product-page call to action as read 2026-09-23.
Coverage Features	At-Bay lists direct and contingent business interruption and system failure coverage, social engineering and invoice manipulation coverage for all classes of business, full limits for cryptojacking and bricking, broad cyber extortion coverage including cryptocurrency payment, and reputational-harm coverage for PR costs from adverse publicity. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms. At-Bay sells cyber insurance with optional InsurSec security tiers: Core includes vulnerability monitoring and a fraud-defense sub-limit; Advanced adds a reduced ransomware retention and a zero-hour ransomware waiting period; Complete adds a $0 financial-fraud retention and a $1 million financial-fraud sub-limit. Each higher tier requires a separately purchased managed detection and response (MDR) subscription. ¹Company-reported. Product-page InsurSec package descriptions and footnotes; availability depends on the business's risk profile and qualifying conditions.	HUB lists cyber coverage it arranges as privacy attorney services, IT forensic investigation, state breach-notification compliance costs, credit monitoring for affected individuals, crisis PR engagement, regulatory fines and class-action defense from a data breach. ⁵Company-reported. Product-page coverage list; the issued policy and its exclusions control an actual claim. HUB cites statistics that data-privacy attacks occur roughly every 40 seconds in the U.S., that 85% of data-breach insurance claims come from small to midsize businesses, and that two-thirds of breaches are tied to third-party IT vendors, to explain why it recommends cyber coverage. ⁵Company-reported. Product-page statistics are company-cited industry figures, not independently verified by us and not HUB-specific claims data.
Role in This Line	At-Bay places cyber insurance through its disclosed producer, At-Bay Insurance Services LLC, which is licensed as an insurance producer in all 50 states. At-Bay says eligible new excess-and-surplus (E&S) cyber business has been written on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. ^2,³Company-reported. Producer role from the current license page; carrier role from a 2023 transition announcement, not confirmed for every current cyber quote.	HUB brokers cyber insurance rather than underwriting the coverage itself, and connects clients with cyber insurance specialists for a policy assessment. ⁵Company-reported. Cyber insurance product page as read 2026-09-23; the page does not name an issuing insurer.

Criteria

At-Bay Cyber Insurance

HUB International Cyber Insurance Brokerage

How to Apply

You apply for At-Bay cyber coverage by emailing a submission to underwriting@at-bay.com or by requesting an automated quote through At-Bay's Broker Platform. ¹Company-reported. Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings.

HUB directs you to a broker or its cyber specialists for a policy assessment; no online quote is described. ⁵Company-reported. Product-page call to action as read 2026-09-23.

Coverage Features

At-Bay lists direct and contingent business interruption and system failure coverage, social engineering and invoice manipulation coverage for all classes of business, full limits for cryptojacking and bricking, broad cyber extortion coverage including cryptocurrency payment, and reputational-harm coverage for PR costs from adverse publicity. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms.

At-Bay sells cyber insurance with optional InsurSec security tiers: Core includes vulnerability monitoring and a fraud-defense sub-limit; Advanced adds a reduced ransomware retention and a zero-hour ransomware waiting period; Complete adds a $0 financial-fraud retention and a $1 million financial-fraud sub-limit. Each higher tier requires a separately purchased managed detection and response (MDR) subscription. ¹Company-reported. Product-page InsurSec package descriptions and footnotes; availability depends on the business's risk profile and qualifying conditions.

HUB lists cyber coverage it arranges as privacy attorney services, IT forensic investigation, state breach-notification compliance costs, credit monitoring for affected individuals, crisis PR engagement, regulatory fines and class-action defense from a data breach. ⁵Company-reported. Product-page coverage list; the issued policy and its exclusions control an actual claim.

HUB cites statistics that data-privacy attacks occur roughly every 40 seconds in the U.S., that 85% of data-breach insurance claims come from small to midsize businesses, and that two-thirds of breaches are tied to third-party IT vendors, to explain why it recommends cyber coverage. ⁵Company-reported. Product-page statistics are company-cited industry figures, not independently verified by us and not HUB-specific claims data.

Role in This Line

At-Bay places cyber insurance through its disclosed producer, At-Bay Insurance Services LLC, which is licensed as an insurance producer in all 50 states. At-Bay says eligible new excess-and-surplus (E&S) cyber business has been written on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. ^2,³Company-reported. Producer role from the current license page; carrier role from a 2023 transition announcement, not confirmed for every current cyber quote.

HUB brokers cyber insurance rather than underwriting the coverage itself, and connects clients with cyber insurance specialists for a policy assessment. ⁵Company-reported. Cyber insurance product page as read 2026-09-23; the page does not name an issuing insurer.