---
title: "At-Bay vs HUB International: Cyber Insurance"
description: "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."
canonical: "https://spot.insure/compare/at-bay-vs-hub-international/cyber"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "at-bay-vs-hub-international"
provider-a: "at-bay"
provider-b: "hub-international"
coverage-line: "cyber"
---

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[Human-readable page](https://spot.insure/compare/at-bay-vs-hub-international/cyber)

## Agent Guide

**What this page is:** Focused comparison of At-Bay and HUB International for Cyber Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Cyber Insurance questions about At-Bay versus HUB International. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- At-Bay vs HUB International for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, At-Bay or HUB International?
- What does At-Bay or HUB International publish about Cyber Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Cyber Insurance. Providers: At-Bay and HUB International.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [At-Bay vs HUB International](https://spot.insure/compare/at-bay-vs-hub-international) — all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — how this coverage works
- [At-Bay profile](https://spot.insure/insurance-providers/at-bay) — provider profile
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile

# 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 frames cyber as relevant to any business that stores data on a network and sends you to a specialist for an assessment; At-Bay includes Stance and publishes appetite up to $5 billion in revenue.

## At-Bay vs HUB International Cyber Insurance Summary

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](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

## 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](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

### 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](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") [4](https://www.at-bay.com/claims/ "Claims Handling")

## 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](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance")
- Ask At-Bay which appetite band and Stance tier apply. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")
- Get HUB's proposed limit in writing; it argues response costs can reach six figures but does not post a standard limit. [5](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance")

## At-Bay vs HUB International Cyber Insurance Compared

| 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. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: 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. [5](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: Product-page coverage highlights; the issued policy and endorsements control actual terms..)<br><br>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. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: 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. [5](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: Product-page coverage list; the issued policy and its exclusions control an actual claim..)<br><br>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. [5](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: 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](https://www.at-bay.com/licenses/ "Licenses") [3](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/ "At-Bay Begins Issuing Policies on its own E&S Paper") (Evidence: Company-reported; scope: 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. [5](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: Cyber insurance product page as read 2026-09-23; the page does not name an issuing insurer..) |

## About At-Bay and HUB International and Cyber Insurance

- [At-Bay company profile](https://spot.insure/insurance-providers/at-bay) · [At-Bay customer reviews](https://spot.insure/insurance-providers/at-bay/reviews)
- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber)

## Related Pages for At-Bay vs HUB International Cyber Insurance

- [At-Bay vs HUB International](https://spot.insure/compare/at-bay-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [At-Bay Cyber Insurance](https://spot.insure/insurance-providers/at-bay/cyber)
- [HUB International Cyber Insurance](https://spot.insure/insurance-providers/hub-international/cyber)

## Sources for At-Bay vs HUB International Cyber Insurance

### Sources About At-Bay

1. [Cyber Insurance Coverage & Policy Highlights](https://www.at-bay.com/insurance/cyber/). At-Bay; Cyber Coverage Highlights; Primary & Excess Appetite; InsurSec Packages (Core, Advanced, Complete); footnotes 1–7. Accessed 2026-09-23.
2. [Licenses](https://www.at-bay.com/licenses/). At-Bay; At-Bay Insurance Services LLC producer introduction and 50-state P&C/surplus-lines license table. Accessed 2026-09-23.
3. [At-Bay Begins Issuing Policies on its own E&S Paper](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/). At-Bay; August 9, 2023 release: "At-Bay ... has begun issuing Cyber and Tech E&O policies under its Delaware-based Excess and Surplus (E&S) carrier, At-Bay Specialty Insurance Company"; "All E&S Cyber and Tech E&O new business in eligible states and territories is now being quoted on At-Bay Specialty Insurance Company paper, as of August 7, 2023". Accessed 2026-09-23.
4. [Claims Handling](https://www.at-bay.com/claims/). At-Bay; At-Bay Cyber Incident Roadmap; Call an At-Bay Breach Coach; The At-Bay Claims Team. Accessed 2026-09-23.

### Sources About HUB International

5. [Cyber Insurance](https://www.hubinternational.com/products/business-insurance/cyber-insurance/). HUB International; Cybersecurity insurance definition; coverage list: privacy attorney services, IT forensic investigation, state notification compliance, credit monitoring, crisis PR, regulatory fines, class action lawsuits; breach-frequency and small-business-claims statistics; five-myths section; Connect With a Broker. Accessed 2026-09-23.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/at-bay-vs-hub-international/cyber.md)
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- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
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