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

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

## Agent Guide

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

**Key facts:**
- Line: Cyber Insurance. Providers: Beazley 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:**
- [Beazley vs HUB International](https://spot.insure/compare/beazley-vs-hub-international) — all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — how this coverage works
- [Beazley profile](https://spot.insure/insurance-providers/beazley) — provider profile
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile

# 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 argues response costs can reach six figures; Beazley sells Full Spectrum Cyber as a named product under $35 million in revenue with a sample policy form.

## Beazley vs HUB International Cyber Insurance Summary

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](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [1](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses")

## 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](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [1](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses")

### 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](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy")

### 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](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [1](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy")

## 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](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance")
- Ask Beazley for the issuing entity and whether cyber shares the MediaTech aggregate. [1](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy")
- Compare HUB's arranged service list with Beazley's Breach Response roster so you know who you call after an incident. [5](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [1](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses")

## Beazley vs HUB International Cyber Insurance Compared

| 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. [1](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") (Evidence: Company-reported; scope: 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. [5](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: 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](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") [4](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Company-reported; scope: 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. [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 | 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. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") (Evidence: Company-reported; scope: 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. [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 | 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](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") [2](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") (Evidence: Company-reported; scope: 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. [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 Beazley and HUB International and Cyber Insurance

- [Beazley company profile](https://spot.insure/insurance-providers/beazley) · [Beazley customer reviews](https://spot.insure/insurance-providers/beazley/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 Beazley vs HUB International Cyber Insurance

- [Beazley vs HUB International](https://spot.insure/compare/beazley-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.
- [Beazley Cyber Insurance](https://spot.insure/insurance-providers/beazley/cyber)
- [HUB International Cyber Insurance](https://spot.insure/insurance-providers/hub-international/cyber)

## Sources for Beazley vs HUB International Cyber Insurance

### Sources About Beazley

1. [Full Spectrum Cyber for Small Businesses](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses). Beazley; What we offer: Beazley Breach Response, integrated cyber risk management services, Beazley Security partnership; Beazley Breach Response Services; Vendor Services; Eligibility and myBeazley platform paragraph. Accessed 2026-09-23.
2. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; What we offer: Cyber coverage includes; SME placement paragraph. Accessed 2026-09-23.
3. [Beazley MediaTech Sample Policy](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf). Beazley; F00731, 022019 edition; Breach Response, Regulatory Defense & Penalties, Payment Card Liabilities & Costs, First Party Data & Network Loss and eCrime insuring agreements; Definitions: Breach Response Costs, Cyber Extortion Loss, Security Breach; Limit of Liability and Coverage. Accessed 2026-09-23.
4. [Beazley Digital Media Tech Application](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf). Beazley; F00859, 042022 edition, Beazley Insurance Company, Inc.; pages 3-4 Ransomware Controls (MFA, VPN, patching, backups, security awareness training). 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.

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