Gallagher vs 
HUB International Cyber Insurance
HUB leads its cyber page with breach-frequency statistics, while Gallagher's small-business page names specific industries it targets for the coverage.
What Is Gallagher?
Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. 1,2,3,4,5
What Is HUB International?
HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. 8,9,10
What Is Cyber Insurance?
Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. 12
Key Differences in Cyber Insurance
Statistics as a Sales Case vs. Named Industries
HUB opens its cyber page with figures meant to justify the coverage:
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. 11Company-reported. Product-page statistics are company-cited industry figures, not independently verified by Spot and not HUB-specific claims data.
Gallagher's small-business page instead recommends the coverage to specific industries it names directly, without leading with broader breach statistics: retail, healthcare, financial services and home-repair businesses that handle customer data or accept card and electronic-funds-transfer payments. 6
Coverage Lists Compared
HUB lists privacy attorney services, IT forensic investigation, state breach-notification compliance costs, credit monitoring, crisis PR and regulatory-fine defense among what it arranges. 11 Gallagher's list overlaps on notification and credit monitoring but frames the split differently, distinguishing first-party coverage for the business's own breach from third-party coverage triggered by a customer lawsuit. 6
What to Confirm in Cyber Insurance Quotes
- Ask HUB for the carrier behind a proposed quote, since its page discusses coverage and statistics without naming an insurer. 11
- Ask Gallagher whether your industry fits its named small-business list or would instead route to its group-level practice. 6
- Ask HUB for published limits, since its page argues response costs can reach six figures without stating a policy limit. 11
- Ask Gallagher whether the third-party lawsuit scenario it describes has a separate sublimit from first-party breach costs. 6
Offering Details
Gallagher vs HUB International Cyber Insurance: documented features by provider
| Criteria | Gallagher Cyber Liability Insurance | HUB International Cyber Insurance Brokerage |
|---|---|---|
| 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. 6,7Company-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. 11Company-reported. Cyber insurance product page as read 2026-09-23; the page does not name an issuing insurer. |
| Issuing Insurer | Neither the small-business cyber page nor the group-level cyber liability page names the insurer that would issue a given client's policy. 6,7Not publicly disclosed. Checked both pages on 2026-09-23. | The cyber insurance page does not name an issuing insurer; HUB places cyber coverage with carriers that vary by client and placement. 11Not found in reviewed sources. Checked the cyber insurance product page on 2026-09-23; no carrier is disclosed there. |
| 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. 6Company-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. 11Company-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. 6Company-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. 6Company-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. 11Company-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. 11Company-reported. Product-page statistics are company-cited industry figures, not independently verified by Spot and not HUB-specific claims data. |
| Limits and Retentions | Neither page publishes specific cyber coverage limits, retentions or premium ranges; the small-business page's $60 million claim example is an illustrative scenario, not a stated policy limit. 6,7Not publicly disclosed. Checked both pages on 2026-09-23. | 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. 11Not publicly disclosed. Checked the cyber insurance product page on 2026-09-23; limits are set on the quote and declarations. |
| Risk Services | For larger accounts, Gallagher's group-level cyber practice gives clients access to the Gallagher eRiskHub risk-management portal and a dedicated claims team that includes cyber forensic accountants; the small-business product page does not describe an equivalent service for that segment. 7Company-reported. Group-level cyber liability page; not confirmed as included with the small-business product. | Not described in the reviewed sources. |
| How to Apply | Not described in the reviewed sources. | HUB directs you to a broker or its cyber specialists for a policy assessment; no online quote is described. 11Company-reported. Product-page call to action as read 2026-09-23. |
Full Comparison
More Gallagher vs HUB International Comparisons
Other Cyber Insurance Comparisons
Sources
Gallagher
- Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
- Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
- Executive and Financial Risk Insurance. Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
- Cyber Liability Insurance: What is it? Who Needs It? Gallagher Small Business; What is Cyber Insurance?; Do you need cyber liability insurance?; Types of Cyber Liability Insurance (first-party and third-party); Who needs Cyber Liability Insurance; Cyber market trends; Consider this Cyber Liability Insurance claim example. Accessed 2026-09-23.
- Cyber Liability Insurance. Gallagher; Protect your business from cyber threats; We help you prevent, mitigate, manage and recover from a cybersecurity incident: Cyber exposure preparation, Insurance process preparation, Prevention and ongoing cyber risk management, Claims advocacy; Gallagher eRiskHub; dedicated claims team with cyber forensic accountants. Accessed 2026-09-23.
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- Cyber Insurance. HUB International; Cybersecurity insurance definition; coverage list: privacy attorney services, IT forensic investigation, state notification compliance, credit monitoring, crisis PR, regulatory fines, class action lawsuits; breach-frequency and small-business-claims statistics; five-myths section; Connect With a Broker. Accessed 2026-09-23.
Cyber Insurance Guide
- 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.
