Beazley vs HUB International: How Do They Compare for Cyber Insurance?

HUB International is a broker that cites breach statistics and describes no online quote; Beazley sells Full Spectrum Cyber for accounts under $35 million, quoted and bound through myBeazley.

HUB brokers cyber through specialists and cites breach-response costs that can reach six figures. Beazley sells Full Spectrum Cyber as a named product for accounts under $35 million in revenue, with a sample form that names specific insuring agreements. ^5,¹

What Are the Key Differences Between Beazley and HUB International Cyber Insurance?

A Specialist Assessment Versus a Bindable Product

HUB brokers cyber rather than underwriting it and connects clients with cyber specialists for a policy assessment; it does not describe an online quote. Beazley sells Full Spectrum Cyber as a product brokers bind on myBeazley for accounts under $35 million in revenue and limits up to $5 million. Choose HUB if you want a broker-led assessment with no self-serve checkout; choose Beazley if you want that named small-business form through a Beazley broker. ⁵ ¹

How Each Makes the Case for Buying

HUB cites statistics that data-privacy attacks occur roughly every 40 seconds in the US, that 85% of data-breach insurance claims come from small to midsize businesses, and that two-thirds of breaches are tied to third parties, and lists privacy attorneys, forensics, notification, credit monitoring, crisis PR, regulatory fines and more as arranged coverages. Beazley instead documents insuring agreements on a sample form — Breach Response Costs, Cyber Extortion Loss, eCrime — rather than a threat-statistic pitch. ⁵ ³

Limits You Can Read in Public

HUB does not publish policy limits or retentions and instead argues that response costs can reach six figures. Beazley publishes a $5 million Full Spectrum Cyber ceiling, though a MediaTech quote may still share that limit with other coverages. ⁵ ¹ ³

What Should You Confirm in Beazley and HUB International Cyber Insurance Quotes?

Ask HUB which carrier would issue the policy and for actual limits; the page names neither. ⁵
Ask Beazley for the issuing entity and whether cyber shares the MediaTech aggregate. ¹ ³
Compare HUB's arranged service list with Beazley's Breach Response roster so you know who you call after an incident. ⁵ ¹

Beazley vs HUB International Cyber Insurance Compared

Beazley vs HUB International: Cyber Insurance: documented features by provider

Criteria	Beazley Full Spectrum Cyber for Small Businesses	HUB International Cyber Insurance Brokerage
Who It’s For	Beazley says Full Spectrum Cyber is available to accounts with under $35 million in annual revenue, with coverage limits up to $5 million, purchased by a broker through Beazley's myBeazley platform. ¹Company-reported. Full Spectrum Cyber product page eligibility paragraph; eligibility for a particular business still depends on underwriting.	HUB frames cyber insurance as relevant to any business that stores data on a network, without publishing a narrower eligibility list by size or industry on this page. ⁵Company-reported. Product-page framing; not a published underwriting appetite.
How to Apply	Beazley says brokers can get a quote and bind Full Spectrum Cyber through its myBeazley platform for qualifying small accounts. The MediaTech application separately asks about ransomware controls such as multi-factor authentication, VPN use, patch timing and backup frequency, which affect underwriting. ^1,⁴Company-reported. Full Spectrum Cyber product page myBeazley paragraph and MediaTech application Ransomware Controls section; a completed application does not establish acceptance, and myBeazley is a broker tool, not a direct-to-business portal.	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	The sample MediaTech cyber insuring agreements cover Breach Response Costs after an actual or suspected data breach, Cyber Extortion Loss from an extortion threat, business interruption loss from a security breach or system failure, and eCrime losses from fraudulent instruction, funds transfer fraud or telephone fraud. ³Company-reported. Sample policy form F00731, 022019 edition; the issued policy's wording and any endorsements control, and a stand-alone Full Spectrum Cyber policy may use different wording.	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	For small businesses, Beazley sells cyber coverage two ways: as Full Spectrum Cyber, built around its Beazley Breach Response product plus integrated risk-management services from its in-house Beazley Security unit, and as the cyber component bundled inside the broader MediaTech form alongside tech E&O, professional E&O and media liability. ^1,²Company-reported. US small-business product pages for Full Spectrum Cyber and MediaTech; does not address any larger-account cyber program Beazley may write separately.	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.