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

HUB International is a broker with no online quote that cites breach statistics; Coalition designs its own policy with free monitoring and an in-house claims team.

Coalition designs Active Cyber Insurance and includes Control monitoring. HUB brokers cyber through specialists for a policy assessment, lists response services such as privacy counsel and forensics, and does not describe an online quote. ^1,⁷

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

Designed Form Versus a Specialist Assessment

Coalition designs its own cyber policy. HUB brokers the line and connects you with cyber specialists for a policy assessment rather than underwriting. HUB frames the product as relevant to any business that stores data on a network, without a narrower size or industry list. Choose Coalition if you want a designed form plus monitoring; choose HUB if you want a brokerage specialist to assess the placement. ¹ ⁷

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. ⁷Company-reported. Product-page coverage list; the issued policy and its exclusions control an actual claim.

Coalition instead highlights a separate breach-response limit, pay-on-behalf extortion, funds-transfer fraud, and interruption, plus Control monitoring. HUB's list is a broker's response menu, not a Coalition specimen. ¹ ²

How You Start

Coalition is purchased through an appointed broker. HUB directs you to a broker or its cyber specialists; no online quote is described. Both are advisor-led, but only Coalition names a single product you can read about in advance. ⁵ ⁷

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

Ask HUB which carrier is quoting and what the response-cost budget looks like; the page warns six-figure breach costs but publishes no limits. ⁷
Ask Coalition for breach-response versus main limits. ¹
Ask HUB whether privacy attorneys and forensics are included or panel-billed after a claim. ⁷

Coalition vs HUB International Cyber Insurance Compared

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

Criteria	Coalition Active Cyber Insurance	HUB International Cyber Insurance Brokerage
Who It’s For	Coalition states that its admitted and surplus lines cyber policies are offered in all 50 states and Washington, D.C. ⁴Company-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. ⁷Company-reported. Product-page framing; not a published underwriting appetite.
How to Apply	You buy Coalition cyber through an appointed insurance broker. Underwriting considers industry, finances, operations and security posture. ⁵Company-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. ⁷Company-reported. Product-page call to action as read 2026-09-23.
Coverage Features	Coalition says breach-response expenses have a separate limit, so response costs do not use up the limit for other coverages. ¹Company-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. ¹Company-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. ⁷Company-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. ⁷Company-reported. Product-page statistics are company-cited industry figures, not independently verified by us and not HUB-specific claims data.
Role in This Line	Coalition designs and distributes its own cyber policy and pairs it with security monitoring and incident-response services. ¹Company-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. ⁷Company-reported. Cyber insurance product page as read 2026-09-23; the page does not name an issuing insurer.