Heffernan Insurance Brokers vs 
HUB International: How Do They Compare for Cyber Insurance?
Both are brokers: Heffernan Insurance Brokers starts with an assessment of your data and security measures, while HUB International sends you to a specialist and cites breach statistics.
HUB lists privacy attorneys, forensics, notification, credit monitoring, crisis PR, regulatory fines and class-action defense among cyber services it arranges. Heffernan's cyber risk team shops carriers and says a placed policy can also open access to forensics and public-relations specialists. 2,1
What Are the Key Differences Between Heffernan Insurance Brokers and HUB International Cyber Insurance?
A Named Response List Versus a Shopping Team
HUB lists privacy attorney services, IT forensic investigation, state notification compliance, credit monitoring, crisis PR, regulatory fines and class-action defense as cyber coverage it arranges. Heffernan instead leads with a cyber risk team that shops the market and says a policy can provide access to incident-response experts. Choose HUB if you want that named response list from a specialist assessment; choose Heffernan if you want a team to compare multiple carriers before you pick. 2 1
How You Get a Quote
HUB directs you to a broker or its cyber specialists for a policy assessment and does not describe an online quote. Heffernan's FAQ says you start by assessing data types and cybersecurity measures, then work with an experienced broker to obtain and compare quotes from multiple providers. 2 1
Who They Say Needs It
HUB frames cyber as relevant to any business that stores data on a network, without a narrower industry list on that page. Heffernan names healthcare, finance, retail and technology and says it works with small businesses and large corporations. 2 1
What Should You Confirm in Heffernan Insurance Brokers and HUB International Cyber Insurance Quotes?
- Ask both which insurer would issue your policy; neither cyber page names a carrier. 2 1
- Ask HUB whether class-action defense and regulatory fines would actually sit on the form it proposes. 2
- Ask Heffernan whether incident-response experts are included in premium or billed when you have a claim. 1
- Get published limits from both; HUB argues response costs can reach six figures without stating a policy limit. 2
Heffernan Insurance Brokers vs HUB International Cyber Compared
Heffernan Insurance Brokers vs HUB International: Cyber Insurance: documented features by provider
| Criteria | Heffernan Cyber Security Insurance Brokerage | HUB International Cyber Insurance Brokerage |
|---|---|---|
| Who It’s For | Heffernan says cyber insurance is for any business handling sensitive customer information, relying on digital operations or storing data electronically, and names healthcare, finance, retail and technology among the industries it serves, alongside small businesses and large corporations. 1Company-reported. Cyber Security Insurance page's FAQ answer on who needs cyber insurance; this is general educational content on Heffernan's own page rather than a stated underwriting appetite. | 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 | Heffernan's FAQ says getting cyber insurance starts with assessing your business's data types and cybersecurity measures, then working with an experienced broker to obtain and compare quotes from multiple providers. 1Company-reported. Cyber Security Insurance page's 'How Do I Get Cyber Insurance?' FAQ answer. | 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 | Heffernan describes cyber policies it arranges as covering costs from a cyber incident, such as data recovery, legal fees, notification expenses and business interruption, and says a policy can also provide access to incident-response experts, including IT forensics specialists and public relations advisors. 1Company-reported. Cyber Security Insurance page's coverage description and FAQ; specific insuring agreements, sublimits and exclusions depend on the policy form selected. | 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 | Heffernan says it maintains a cyber risk team with expertise in determining a client's cyber exposure, shopping the market, presenting options and guiding the selection of coverage. It arranges the policy with insurance carriers rather than underwriting cyber coverage itself. 1Company-reported. Cyber Security Insurance page's description of the cyber risk team. | 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. |
