Coalition vs HUB International Cyber Insurance

Coalition designs and distributes its own cyber policy and pairs it with security monitoring and incident-response services. ⁵Company-reported. U.S. Active Cyber Insurance for small and midsize businesses, as described on the product page.

HUB brokers cyber insurance rather than underwriting the coverage itself, and connects clients with cyber insurance specialists for a policy assessment. ¹⁴Company-reported. Cyber insurance product page as read 2026-09-23; the page does not name an issuing insurer.

Admitted cyber policies are issued by Coalition Insurance Company. Non-admitted (surplus lines) policies are placed with unaffiliated insurers, so the carrier depends on the policy route. ⁷Company-reported. U.S. disclaimers for admitted and non-admitted cyber; restates the verified provider fact insurer-route.

The cyber insurance page does not name an issuing insurer; HUB places cyber coverage with carriers that vary by client and placement. ¹⁴Not found in reviewed sources. Checked the cyber insurance product page on 2026-09-23; no carrier is disclosed there.

Coalition states that its admitted and surplus lines cyber policies are offered in all 50 states and Washington, D.C. ⁸Company-reported. Availability help article; eligibility for a particular business 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. ¹⁴Company-reported. Product-page framing; not a published underwriting appetite.

Coalition says breach-response expenses have a separate limit, so response costs do not use up the limit for other coverages. ⁵Company-reported. Product-page description; the issued policy and declarations control.

Coalition lists pay-on-behalf cyber extortion coverage, funds transfer fraud and business interruption losses among its cyber coverages. ⁵Company-reported. Product-page coverage highlights, subject to exclusions and the policy as issued.

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. ¹⁴Company-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. ¹⁴Company-reported. Product-page statistics are company-cited industry figures, not independently verified by Spot and not HUB-specific claims data.

Coalition offers U.S. surplus lines excess cyber coverage above an underlying policy. Its public pages do not publish maximum primary limits or retentions. ^10,5Company-reported. Excess product help article; limit and retention amounts appear only on quotes.

Published policy limits or retentions for HUB-placed cyber coverage were not found on the product page; the page instead argues that response costs following a breach can reach the six figures to counter a perception that cyber insurance is unnecessary. ¹⁴Not publicly disclosed. Checked the cyber insurance product page on 2026-09-23; limits are set on the quote and declarations.

Policyholders get Coalition Control at no additional cost, including attack-surface monitoring, vendor risk monitoring, zero-day alerts and Login Security for Microsoft or Google accounts. ⁶Company-reported. Coalition Control policyholder features page.

Not described in the reviewed sources.

You buy Coalition cyber through an appointed insurance broker. Underwriting considers industry, finances, operations and security posture. ⁹Company-reported. Qualification help article; restates the verified provider fact broker-application.

HUB directs you to a broker or its cyber specialists for a policy assessment; no online quote is described. ¹⁴Company-reported. Product-page call to action as read 2026-09-23.

Coalition describes an in-house cyber claims team and an affiliated incident response firm, Coalition Incident Response, and says it often recovers stolen funds after transfer fraud. ⁵Company-reported. Product page claims and incident-response sections; outcome statistics are company-reported and not independently verified.

Not described in the reviewed sources.