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

HUB International is a broker with no online quote that cites breach statistics; Chubb underwrites Cyber ERM directly and quotes through agents.

HUB brokers cyber rather than underwriting it, connects clients with specialists, and argues response costs after a breach can reach six figures. Chubb underwrites Cyber ERM, quotes risks under $100 million through Cyber Central, and offers named ransomware and neglected-software endorsements. ^3,¹

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

Specialist Brokerage Versus Chubb Writing Cyber ERM

HUB brokers cyber, connects clients with cyber insurance specialists for a policy assessment, and cites response costs that can reach six figures. Chubb underwrites Cyber ERM directly for organizations of any size that handle sensitive data or run a network or website. Choose HUB if you want a specialist broker to assess the policy; choose Chubb if you want the underwriter to quote Cyber ERM through Cyber Central. ³ ²

Privacy-Attorney Cost List Versus an Incident-Response Fund

HUB lists privacy attorney services, IT forensic investigation, state breach-notification compliance, credit monitoring, crisis PR and regulatory fines among coverages it arranges. Chubb lists a first-party cyber incident response fund, business interruption with contingent interruption, digital data recovery and network extortion. ³ ¹

No Online Quote Versus Cyber Central

HUB directs you to a broker or its cyber specialists; no online quote is described. Agents quote Chubb cyber through Cyber Central or Marketplace for risks under $100 million. ³ ¹

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

Ask HUB which insurer would issue the policy. ³
Ask Chubb which group entity issues the policy. ²
Get limits from both; HUB publishes none and instead argues response costs can reach six figures. ³ ¹
Ask Chubb whether ransomware and patch endorsements are on the form. ¹

Chubb vs HUB International Cyber Insurance Compared

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

Criteria	Chubb Cyber Insurance (Cyber Enterprise Risk Management)	HUB International Cyber Insurance Brokerage
Who It’s For	Chubb says there are no minimum premiums and premiums scale for all risk sizes, offers Cyber Central and Marketplace quoting for risks under $100 million in revenue, and a customizable large-account cyber risk management solution for organizations over $1 billion in revenue. ¹Company-reported. Cyber Insurance Coverage & Products page eligibility and quoting description.	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. ³Company-reported. Product-page framing; not a published underwriting appetite.
How to Apply	Agents and brokers can quote cyber alone through Cyber Central or bundled with other lines through Chubb Marketplace; multinational programs can be serviced locally in more than 35 countries. ¹Company-reported. Cyber Insurance Coverage & Products page quoting section.	HUB directs you to a broker or its cyber specialists for a policy assessment; no online quote is described. ³Company-reported. Product-page call to action as read 2026-09-23.
Coverage Features	Chubb lists first-party cyber incident response fund, business interruption (with contingent business interruption for outsourced technology providers), digital data recovery, and network extortion; third-party cyber/privacy/network security liability, payment card loss, regulatory proceedings and media liability; and cyber crime coverages (computer fraud, funds transfer fraud, social engineering fraud) available by endorsement. ¹Company-reported. Cyber insurance coverage list on the products page; subject to exclusions and the policy as issued. Chubb offers a Widespread Event Endorsement with separate limits and retentions for systemic cyber events, a Ransomware Encounter Endorsement that lets buyers tailor limits and retentions for ransomware losses, and a Neglected Software Exploit Endorsement that gives a 45-day grace period to patch published vulnerabilities before risk-sharing shifts toward the policyholder. ¹Company-reported. Innovative coverage concepts section; endorsement availability depends on underwriting.	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. ³Company-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. ³Company-reported. Product-page statistics are company-cited industry figures, not independently verified by us and not HUB-specific claims data.
Role in This Line	Chubb underwrites Cyber Enterprise Risk Management (Cyber ERM) directly. It covers cyber, privacy and media exposures for organizations of any size that handle sensitive data or run a network or website. ¹Company-reported. Cyber Insurance Coverage & Products page, Cyber Enterprise Risk Management section.	HUB brokers cyber insurance rather than underwriting the coverage itself, and connects clients with cyber insurance specialists for a policy assessment. ³Company-reported. Cyber insurance product page as read 2026-09-23; the page does not name an issuing insurer.