---
title: "Chubb vs Marsh Cyber Insurance"
description: "Chubb underwrites one scaled policy directly; Marsh brokers access to multiple named facilities, including a $200 million-plus Cyber ECHO excess layer."
canonical: "https://spot.insure/compare/chubb-vs-marsh/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/chubb-vs-marsh/cyber)

# Chubb vs Marsh Cyber Insurance

Chubb underwrites one scaled policy directly; Marsh brokers access to multiple named facilities, including a $200 million-plus Cyber ECHO excess layer.

## Research Scope and Use

Use this comparison to evaluate Chubb and Marsh for Cyber Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Chubb underwrites Cyber Enterprise Risk Management itself, scaling from small accounts to programs above $1 billion in revenue. Marsh instead brokers access to a suite of named cyber products and facilities, including Cyber ECHO, which it says can add over $200 million in excess capacity per client. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [10](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html "Cyber ECHO")

## What Is Chubb?

Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. [1](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

[Chubb profile](https://spot.insure/insurance-providers/chubb)

## What Is Marsh?

Marsh is a global insurance broker and risk advisor. In the United States it places coverage through core Marsh teams and through Marsh McLennan Agency for many middle-market buyers, including technology, cyber, property, casualty and benefits programs. [5](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [6](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [7](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [8](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management")

[Marsh profile](https://spot.insure/insurance-providers/marsh)

## What Is Cyber Insurance?

Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. [13](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance")

## Key Differences in Cyber Insurance

### One Underwriter Versus a Brokered Suite

Chubb underwrites Cyber Enterprise Risk Management directly on one scaled structure, from no-minimum-premium quoting under $100 million in revenue to custom programs above $1 billion. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") Marsh instead brokers a suite of named cyber products and facilities — Cyber Pathway, Cyber Accelerate, Cyber ECHO and Claims Advocacy — plus a separate Marsh McLennan Agency practice for middle-market clients, rather than underwriting any of them itself.

Marsh says its Cyber ECHO excess facility can provide over $200 million of cyber capacity per client, with a free first reinstatement and a paid second reinstatement for separate cyber events within a policy year. [10](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html "Cyber ECHO") (Evidence: Company-reported; scope: Cyber ECHO facility page; describes excess capacity Marsh can arrange, not a standard primary limit..)

### Named Endorsements Versus a Named Excess Facility

Chubb names specific endorsements for large systemic events, such as the Widespread Event Endorsement with separate limits and retentions. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") Marsh instead names a dedicated excess facility, Cyber ECHO, that draws on Lloyd's syndicates, company markets or Bermuda-based insurers for capacity beyond a primary policy. [10](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html "Cyber ECHO")

### Who Names the Insurer

Chubb's reviewed pages describe Chubb as the carrier without naming the specific underwriting entity. [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance for Businesses") Marsh's reviewed pages likewise do not name a specific insurer for a standard primary placement, naming carrier categories only for the Cyber ECHO facility. [9](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance")

## What to Confirm in Cyber Insurance Quotes

- Ask Marsh whether your program would use a standard primary placement or the Cyber ECHO excess facility, since the two have different named carrier categories. [10](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html "Cyber ECHO")
- Ask Chubb to name the specific underwriting entity and confirm which endorsements apply to your account. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")
- Get the specific underwriting insurer from both, since neither discloses one for a standard placement on the reviewed pages. [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance for Businesses") [9](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance")
- Ask whether Marsh's claims advocacy team or Chubb's Cyber Threat Intelligence Team would handle a claim relevant to your business. [11](https://www.marsh.com/en/services/cyber-risk/expertise/claims-advocacy.html "Claims Advocacy") [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance for Businesses")

## Offering Details

| Criteria | Chubb Cyber Insurance (Cyber Enterprise Risk Management) | Marsh Cyber Insurance Brokerage |
| --- | --- | --- |
| 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. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Cyber Insurance Coverage & Products page, Cyber Enterprise Risk Management section..) | Marsh's cyber risk practice places and advises on cyber insurance brokerage; it does not underwrite the policies it places. [9](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") (Evidence: Company-reported; scope: Marsh corporate cyber insurance product page..)<br><br>Marsh McLennan Agency (MMA), Marsh's middle-market subsidiary, places cyber coverage and acts as a carrier liaison, combining placement with claims advocacy. [12](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") (Evidence: Company-reported; scope: MMA cyber solutions page..) |
| Issuing Insurer | The reviewed pages describe Chubb as the carrier but do not name the specific Chubb-group underwriting entity for cyber policies; the issued policy would name the entity. [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance for Businesses") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Not found in reviewed sources; scope: Both cyber pages as read on 2026-09-23..) | The reviewed pages do not name a specific cyber insurer for a standard placement. Marsh's Cyber ECHO excess facility lets clients choose underwriting from Lloyd's of London syndicates, company markets or Bermuda-based insurers, so the carrier varies by placement. [10](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html "Cyber ECHO") (Evidence: Not publicly disclosed; scope: Cyber ECHO facility page, which covers excess layers rather than every primary policy Marsh places..) |
| 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. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Cyber Insurance Coverage & Products page eligibility and quoting description..) | MMA says any company can benefit from cyber coverage, but prioritizes organizations that store significant customer data, run large customer databases or hold valuable digital assets. [12](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") (Evidence: Company-reported; scope: MMA cyber solutions FAQ; MMA describes its own client base as middle-market organizations generally..) |
| 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. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Cyber insurance coverage list on the products page; subject to exclusions and the policy as issued..)<br><br>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. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Innovative coverage concepts section; endorsement availability depends on underwriting..) | MMA lists incident investigation and response costs, network interruption/extra expense, extortion and ransomware payments, data restoration, and security and privacy liability as core cyber coverages, with media liability, privacy regulatory defense and reputation-based income loss available as additional coverages. [12](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") (Evidence: Company-reported; scope: MMA cyber solutions page; actual policy wording and insurer vary by placement..) |
| Limits and Retentions | The reviewed pages do not publish specific per-policy limit or retention amounts; Chubb says it can build large insurance tower programs with substantial primary limits for organizations over $1 billion in revenue but gives no figures. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Not found in reviewed sources; scope: Cyber Insurance Coverage & Products page as read on 2026-09-23..) | Marsh says its Cyber ECHO excess facility can provide over $200 million of cyber capacity per client, with a free first reinstatement and a paid second reinstatement for separate cyber events within a policy year. [10](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html "Cyber ECHO") (Evidence: Company-reported; scope: Cyber ECHO facility page; describes excess capacity Marsh can arrange, not a standard primary limit..) |
| Risk Services | Chubb says cyber policyholders get access to a panel of pre-approved incident response providers, a 24/7 hotline and Cyber Alert app, a Cyber Threat Intelligence Team, a Vulnerability Management Outreach program, and the Chubb Cyber Index for trend and cost data. [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance for Businesses") (Evidence: Company-reported; scope: Cyber Insurance for Businesses page, Cyber Services and Beyond Risk Transfer sections..) | Not described in the reviewed sources. |
| 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. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Cyber Insurance Coverage & Products page quoting section..) | You engage a named Marsh or MMA cyber specialist to design a placement; the reviewed pages describe advisor-led placement and risk analytics rather than an online self-serve quote. [9](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [12](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") (Evidence: Company-reported; scope: Marsh and MMA cyber pages, which list dedicated cyber brokerage and placement leaders..) |
| Claims Support | Chubb reports 24/7 incident response availability by hotline or its Cyber Alert app, and publishes an annual Cyber Claims Landscape report analyzing claim frequency, severity and ransomware trends. [4](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance for Businesses") (Evidence: Company-reported; scope: Cyber Insurance for Businesses page; claims scenarios and report are company-reported..) | Marsh's global claims and incident-management specialists review cyber claims, support litigation management and work with forensic accountants to prepare proof of loss, advocating with insurers on the client's behalf. [11](https://www.marsh.com/en/services/cyber-risk/expertise/claims-advocacy.html "Claims Advocacy") (Evidence: Company-reported; scope: Claims Advocacy expertise page; recovery outcomes described as company-reported and not independently verified..) |

## Full Comparison

- [Chubb vs Marsh](https://spot.insure/compare/chubb-vs-marsh): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay your response costs and covered claims against your business after a cyber incident.
- [Chubb vs Marsh Builders Risk Insurance](https://spot.insure/compare/chubb-vs-marsh/builders-risk)
- [Chubb vs Marsh Commercial Property Insurance](https://spot.insure/compare/chubb-vs-marsh/commercial-property)
- [Chubb vs Marsh Crime Insurance](https://spot.insure/compare/chubb-vs-marsh/crime)
- [Chubb vs Marsh D&O Insurance](https://spot.insure/compare/chubb-vs-marsh/directors-officers)
- [Chubb vs Marsh Employment Practices Liability Insurance](https://spot.insure/compare/chubb-vs-marsh/employment-practices)
- [Chubb vs Marsh Equipment Breakdown Insurance](https://spot.insure/compare/chubb-vs-marsh/equipment-breakdown)
- [Chubb vs Marsh Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-marsh/fiduciary)
- [Chubb vs Marsh Kidnap and Ransom Insurance](https://spot.insure/compare/chubb-vs-marsh/kidnap-ransom)
- [Chubb vs Marsh Management Liability Insurance](https://spot.insure/compare/chubb-vs-marsh/management-liability)
- [Chubb vs Marsh Professional Liability (E&O) Insurance](https://spot.insure/compare/chubb-vs-marsh/professional-errors-omissions)
- [Chubb vs Marsh Surety Bonds](https://spot.insure/compare/chubb-vs-marsh/surety-bonds)
- [Chubb vs Marsh Tech E&O Insurance](https://spot.insure/compare/chubb-vs-marsh/technology-errors-omissions)
- [Chubb vs Marsh Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-marsh/workers-compensation)
- [Alliance Risk vs Chubb Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/cyber)
- [Alliance Risk vs Marsh Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/cyber)
- [Amelia Risk vs Chubb Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/cyber)
- [Amelia Risk vs Marsh Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-marsh/cyber)
- [At-Bay vs Chubb Cyber Insurance](https://spot.insure/compare/at-bay-vs-chubb/cyber)
- [At-Bay vs Marsh Cyber Insurance](https://spot.insure/compare/at-bay-vs-marsh/cyber)

## Sources

### Chubb

1. [Insurance For Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
2. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
3. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Cyber Enterprise Risk Management target clients and product features; Cyber insurance coverage first-party and third-party lists; Cyber crime by endorsement; quoting via Cyber Central and Marketplace. Accessed 2026-09-23.
4. [Cyber Insurance for Businesses](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html). Chubb; Cyber Services section; Incident response section; 24/7 hotline and Cyber Alert app; "95% of Fortune 1000 companies are Chubb insured". Accessed 2026-09-23.

### Marsh

5. [Marsh | Leader in risk, strategy, people, and investments](https://www.marsh.com/en/home.html). Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
6. [Compensation guide for US clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf). Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
7. [Marsh McLennan Agency (MMA)](https://www.marsh.com/en/services/marsh-mclennan-agency.html). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
8. [Technology | Insurance Broking & Risk Management](https://www.marsh.com/en/industries/technology.html). Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
9. [Cyber Insurance](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html). Marsh; Opening brokerage positioning; products list including Cyber Pathway, Cyber Accelerate, Claims Advocacy, CyberPort, Cyber ECHO; Rachel Lavender, US and Canada Cyber Brokerage Leader. Accessed 2026-09-23.
10. [Cyber ECHO](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html). Marsh; New for 2026: over $200 million capacity; free first reinstatement and paid second reinstatement; one underwriting lead and two claims leads per panel; Lloyd's, company markets or Bermuda-based insurers. Accessed 2026-09-23.
11. [Claims Advocacy](https://www.marsh.com/en/services/cyber-risk/expertise/claims-advocacy.html). Marsh; Global claims specialists negotiating cyber coverage issues; proof of loss with forensic accountants. Accessed 2026-09-23.
12. [Cyber Insurance | MMA](https://www.marshmma.com/us/solutions/cyber.html). Marsh McLennan Agency; Benefits of Cyber: understand, mitigate, respond, recover; Cyber Coverage list (incident investigation and response, network interruption, extortion/ransomware, data restoration, security and privacy liability, additional coverages); FAQ: Who needs cyber insurance coverage?. Accessed 2026-09-23.

### Cyber Insurance Guide

13. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.

Updated 2026-09-23. 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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