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

HUB International has you talk to a specialist for a policy assessment and lists breach services; Gallagher Small Business arranges cyber for small firms and notes rates are flat to down.

Gallagher recommends cyber for small businesses that handle customer data or card payments, naming retail, healthcare, financial services and home-repair. HUB brokers cyber through specialists for any business that stores data on a network and cites that 85 percent of data-breach insurance claims come from small to midsize businesses. ^1,³

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

Named Small-Business Classes Versus Any Network That Stores Data

Gallagher Small Business arranges cyber for small businesses that handle customer data or accept card or EFT payments, naming retail, healthcare, financial services and home-repair. HUB brokers cyber rather than underwriting it, frames the line as relevant to any business that stores data on a network, and does not publish a narrower industry list. Choose Gallagher if you sit in those named small-business classes and want a desk built for them; choose HUB if you want a specialist assessment without that industry filter. ¹ ³

eRiskHub Versus Privacy-Counsel Line Items

Gallagher's group-level practice gives larger clients eRiskHub and a dedicated claims team that includes cyber forensic accountants. HUB lists coverage it arranges as privacy attorney services, IT forensic investigation, state breach-notification compliance, credit monitoring, crisis PR, and regulatory fines. Those HUB items are a coverage list, not a portal. eRiskHub is not documented for Gallagher's small-business channel. ² ³

Rate Commentary Versus 40-Second Statistics

Gallagher says cyber rates are flat to down despite high-profile losses. HUB cites that data-privacy attacks occur roughly every 40 seconds in the US, that 85 percent of data-breach insurance claims come from small to midsize businesses, and that two-thirds of breaches are tied to third parties. Those figures are arguments, not quotes. ¹ ³

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

Ask Gallagher which desk would handle you. ²
Ask HUB which carrier would issue the policy. ³
Ask both for limits; HUB's six-figure response-cost argument is not a limit. ³

Gallagher vs HUB International Cyber Insurance Compared

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

Criteria	Gallagher Cyber Liability Insurance	HUB International Cyber Insurance Brokerage
Who It’s For	Gallagher recommends this coverage for small businesses that handle customer data or accept credit card or electronic-funds-transfer payments, and specifically names retail, healthcare, financial services and home-repair businesses as frequent attack targets. ¹Company-reported. Small-business cyber product page "Who needs Cyber Liability Insurance" section; actual acceptance 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. ³Company-reported. Product-page framing; not a published underwriting appetite.
Coverage Features	Gallagher describes two components of cyber coverage: first-party coverage for when a business's own technology or data is breached, and third-party coverage for when a customer sues the business for failing to prevent a breach. It says the policy can cover customer notification, credit monitoring, legal fees and regulatory fines. ¹Company-reported. Small-business cyber product page; a coverage description, not a specific policy's insuring agreement or exclusions. Gallagher's small-business team says cyber insurance rates are flat to down due to competitive market forces despite high-profile losses, and flags generative-AI-driven risks such as more convincing phishing, social-engineering and deepfake attacks as an emerging concern. ¹Company-reported. Small-business cyber product page market-commentary section; a general market view, not a quote for any specific business.	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	Gallagher Small Business arranges cyber liability coverage with outside carriers for small businesses; Gallagher's group-level practice separately places cyber coverage with its own risk-consulting services for larger accounts. Gallagher does not underwrite either policy. ^1,²Company-reported. Small-business cyber product page and the group-level cyber liability page.	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.

Criteria

Gallagher Cyber Liability Insurance

HUB International Cyber Insurance Brokerage

Who It’s For

Gallagher recommends this coverage for small businesses that handle customer data or accept credit card or electronic-funds-transfer payments, and specifically names retail, healthcare, financial services and home-repair businesses as frequent attack targets. ¹Company-reported. Small-business cyber product page "Who needs Cyber Liability Insurance" section; actual acceptance 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. ³Company-reported. Product-page framing; not a published underwriting appetite.

Coverage Features

Gallagher describes two components of cyber coverage: first-party coverage for when a business's own technology or data is breached, and third-party coverage for when a customer sues the business for failing to prevent a breach. It says the policy can cover customer notification, credit monitoring, legal fees and regulatory fines. ¹Company-reported. Small-business cyber product page; a coverage description, not a specific policy's insuring agreement or exclusions.

Gallagher's small-business team says cyber insurance rates are flat to down due to competitive market forces despite high-profile losses, and flags generative-AI-driven risks such as more convincing phishing, social-engineering and deepfake attacks as an emerging concern. ¹Company-reported. Small-business cyber product page market-commentary section; a general market view, not a quote for any specific business.

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

Gallagher Small Business arranges cyber liability coverage with outside carriers for small businesses; Gallagher's group-level practice separately places cyber coverage with its own risk-consulting services for larger accounts. Gallagher does not underwrite either policy. ^1,²Company-reported. Small-business cyber product page and the group-level cyber liability page.

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.