Heffernan Insurance Brokers vs HUB International Cyber Insurance

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. ⁴Company-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. ⁸Company-reported. Cyber insurance product page as read 2026-09-23; the page does not name an issuing insurer.

The cyber page does not name the insurer that would issue a cyber policy arranged through Heffernan. ⁴Not publicly disclosed. Checked the Cyber Security Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations.

The cyber insurance page does not name an issuing insurer; HUB places cyber coverage with carriers that vary by client and placement. ⁸Not found in reviewed sources. Checked the cyber insurance product page on 2026-09-23; no carrier is disclosed there.

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. ⁴Company-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. ⁸Company-reported. Product-page framing; not a published underwriting appetite.

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. ⁴Company-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. ⁸Company-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. ⁸Company-reported. Product-page statistics are company-cited industry figures, not independently verified by Spot and not HUB-specific claims data.

The cyber page does not publish specific limits or retentions for a Heffernan-arranged cyber policy; its FAQ gives only a general premium range of a few hundred to several thousand dollars annually across the market. ⁴Not publicly disclosed. Checked the Cyber Security Insurance page 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. ⁸Not publicly disclosed. Checked the cyber insurance product page on 2026-09-23; limits are set on the quote and declarations.

Beyond claim payment, Heffernan says a cyber policy can give access to incident-response experts such as IT forensics specialists and public relations advisors, and that its cyber risk team helps with exposure assessment and coverage selection before a policy is bound. ⁴Company-reported. Cyber Security Insurance page's services description.

Not described in the reviewed sources.

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. ⁴Company-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. ⁸Company-reported. Product-page call to action as read 2026-09-23.