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

HUB International is a broker with no online quote that cites breach statistics; Embroker quotes online in under 10 minutes and warns that E&O does not replace cyber.

Embroker offers a free risk-profile tool and a cyber quote request in under 10 minutes. HUB brokers cyber and connects you with specialists for a policy assessment rather than an online quote. ^1,²

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

A Browser Quote Request Versus a Specialist Assessment

Embroker says you can request a cyber quote in under 10 minutes by describing your business. HUB brokers cyber rather than underwriting it and directs you to a broker or its cyber specialists for a policy assessment; no online quote is described. If you want to start without a meeting, Embroker is the documented path. If you want a specialist assessment first, HUB is. Choose Embroker if you want to start a standalone cyber quote in minutes online; choose HUB if you want a brokered assessment and an itemized list of privacy-attorney, forensics and notification costs. ¹ ²

Two Coverage Inventories

HUB lists privacy attorney services, IT forensic investigation, state breach-notification compliance, credit monitoring, crisis PR, regulatory fines and class-action defense. Embroker lists network security liability, privacy liability, data loss, business interruption, computer fraud, social-engineering losses and cyber extortion, plus a separate breach-response list. HUB also cites attack-frequency statistics to argue small and midsize businesses file most data-breach claims. Embroker does not publish those statistics. ² ¹

Any Network Versus Named Industries

HUB frames cyber as relevant to any business that stores data on a network, without a narrower size or industry list. Embroker names startups, tech, finance, professional services, healthcare and law. Neither page names the issuing insurer. ² ¹

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

Ask both which carrier would issue the policy. ¹ ²
Ask both for limits; HUB argues response costs can reach six figures but does not publish a policy maximum. ²
Ask Embroker for deductibles listed in a page section that returns no figures. ¹

Embroker vs HUB International Cyber Insurance Compared

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

Criteria	Embroker Cyber Insurance	HUB International Cyber Insurance Brokerage
Who It’s For	Embroker markets cyber coverage to startups and tech companies, financial institutions, professional services firms, small and medium-sized businesses, healthcare providers and law firms, citing data-handling and digital-system exposure as the common thread. ¹Company-reported. Product-page 'Who is cyber insurance coverage for?' section; not a guarantee of eligibility for a particular business.	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. ²Company-reported. Product-page framing; not a published underwriting appetite.
How to Apply	Embroker offers a free online risk-profile tool and says applicants can request a cyber insurance quote in under 10 minutes by describing their business. ¹Company-reported. Product-page calls to action; no quote was requested during this research.	HUB directs you to a broker or its cyber specialists for a policy assessment; no online quote is described. ²Company-reported. Product-page call to action as read 2026-09-23.
Coverage Features	Embroker lists network security liability, privacy liability, data loss and recovery, business interruption, computer fraud and social-engineering losses, and cyber extortion including ransom payments among what the policy addresses. ¹Company-reported. Product-page 'What does cyber insurance cover?' section; the issued policy and declarations control. Embroker says a breach response can include notification costs, credit monitoring for affected individuals, civil damages, computer forensics investigation, and coverage for reputational-damage costs such as PR management. ¹Company-reported. Product-page breach-response cost list. Embroker warns that errors and omissions insurance is not cyber insurance and cannot substitute for it, even if the E&O policy has a technology error rider. ¹Company-reported. Product-page 'Important Note'; distinguishes cyber from Embroker's separate tech E&O/cyber bundled product. Embroker separates first-party coverage (the policyholder's own incident-response, data-recovery and business-interruption costs) from third-party coverage (legal defense, settlements, regulatory fines and damages to affected parties). ¹Company-reported. Product-page 'First-party coverage vs. third-party coverage' section.	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. ²Company-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. ²Company-reported. Product-page statistics are company-cited industry figures, not independently verified by us and not HUB-specific claims data.
Role in This Line	Embroker sells a standalone cyber liability policy and separately notes lawyers professional liability buyers should also review its cyber page, describing cyber as covering both first-party and third-party losses. ¹Company-reported. Product-page description; not a statement about the issuing insurer for this line.	HUB brokers cyber insurance rather than underwriting the coverage itself, and connects clients with cyber insurance specialists for a policy assessment. ²Company-reported. Cyber insurance product page as read 2026-09-23; the page does not name an issuing insurer.