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

Hiscox sells cyber directly online, with a licensed-agent line for questions; HUB International brokers it, sending you to a specialist for a policy assessment and describing no online quote.

Hiscox lets eligible small businesses quote a standalone cyber policy online, with a licensed-agent phone line during the process. HUB brokers cyber rather than underwriting it and sends you to a specialist for a policy assessment, with no online quote described. ^1,⁵

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

Quote Online or Talk to a Specialist

Hiscox says eligible buyers can get a cyber quote online, with a licensed-agent phone line if questions come up. HUB directs you to a broker or its cyber specialists for a policy assessment and does not describe an online quote. Choose Hiscox if you want to start a small-business cyber quote yourself online; choose HUB if you want a specialist to assess the risk and place coverage. ¹ ⁵

Named Response Services

HUB lists privacy attorney services, IT forensic investigation, state notification compliance, credit monitoring, crisis PR, regulatory fines and class-action defense. Hiscox describes data breaches, cyberattacks and related losses, plus an illustrative notification example on its IT page, without that same service roster. ⁵ ¹ ²

Who Issues the Policy

Hiscox's appetite guide names Hiscox Insurance Company Inc. as the underwriter of admitted Hiscox NOW cyber policies. HUB's cyber page does not name an issuing insurer, because it places coverage with carriers that vary by client. ⁴ ⁵

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

Confirm which Hiscox entity would issue your policy in your state. ⁴
Ask HUB which carrier it is proposing. ⁵
Ask HUB whether class-action defense and regulatory fines would sit on the actual form. ⁵
Get Hiscox limits in writing; the product page does not publish them. ¹

Hiscox vs HUB International Cyber Insurance Compared

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

Criteria	Hiscox Cyber Security Insurance	HUB International Cyber Insurance Brokerage
Who It’s For	Hiscox markets cyber insurance to small businesses broadly and specifically to IT and technology consultants, describing itself as customizing coverage for the technology sector's data-handling and security exposures. ^1,²Company-reported. Company-stated audience across the standalone cyber page and the IT-insurance page.	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. ⁵Company-reported. Product-page framing; not a published underwriting appetite.
How to Apply	Hiscox says eligible buyers can get a cyber insurance quote online, with a licensed-agent phone line available for questions during the process. ¹Company-reported. Company-described online application; eligibility and binding conditions require confirmation on the actual application.	HUB directs you to a broker or its cyber specialists for a policy assessment; no online quote is described. ⁵Company-reported. Product-page call to action as read 2026-09-23.
Coverage Features	Hiscox describes cyber coverage as responding to data breaches, cyberattacks and related losses, and its IT-insurance page shows an illustrative breach-response example describing notification and related costs after a data incident. ^1,²Company-reported. Product-page description; the illustrative example is explicitly a hypothetical scenario, not a specific limit or claim outcome, and actual coverage terms are set by the issued policy.	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. ⁵Company-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. ⁵Company-reported. Product-page statistics are company-cited industry figures, not independently verified by us and not HUB-specific claims data.
Role in This Line	Hiscox Inc. sells cyber insurance directly online as a standalone product for small businesses, separate from its business owner's policy, which also offers an optional cyber add-on. ¹Company-reported. Company-stated standalone small-business cyber product; the BOP cyber add-on is a distinct package option described on a different page.	HUB brokers cyber insurance rather than underwriting the coverage itself, and connects clients with cyber insurance specialists for a policy assessment. ⁵Company-reported. Cyber insurance product page as read 2026-09-23; the page does not name an issuing insurer.