HUB International vs Marsh Cyber Insurance

HUB brokers cyber insurance rather than underwriting the coverage itself, and connects clients with cyber insurance specialists for a policy assessment. ⁴Company-reported. Cyber insurance product page as read 2026-09-23; the page does not name an issuing insurer.

Marsh's cyber risk practice places and advises on cyber insurance brokerage; it does not underwrite the policies it places. ⁹Company-reported. Marsh corporate cyber insurance product page.

Marsh McLennan Agency (MMA), Marsh's middle-market subsidiary, places cyber coverage and acts as a carrier liaison, combining placement with claims advocacy. ¹²Company-reported. MMA cyber solutions page.

The cyber insurance page does not name an issuing insurer; HUB places cyber coverage with carriers that vary by client and placement. ⁴Not found in reviewed sources. Checked the cyber insurance product page on 2026-09-23; no carrier is disclosed there.

The reviewed pages do not name a specific cyber insurer for a standard placement. Marsh's Cyber ECHO excess facility lets clients choose underwriting from Lloyd's of London syndicates, company markets or Bermuda-based insurers, so the carrier varies by placement. ¹⁰Not publicly disclosed. Cyber ECHO facility page, which covers excess layers rather than every primary policy Marsh places.

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

MMA says any company can benefit from cyber coverage, but prioritizes organizations that store significant customer data, run large customer databases or hold valuable digital assets. ¹²Company-reported. MMA cyber solutions FAQ; MMA describes its own client base as middle-market organizations generally.

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

MMA lists incident investigation and response costs, network interruption/extra expense, extortion and ransomware payments, data restoration, and security and privacy liability as core cyber coverages, with media liability, privacy regulatory defense and reputation-based income loss available as additional coverages. ¹²Company-reported. MMA cyber solutions page; actual policy wording and insurer vary by placement.

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. ⁴Not publicly disclosed. Checked the cyber insurance product page on 2026-09-23; limits are set on the quote and declarations.

Marsh says its Cyber ECHO excess facility can provide over $200 million of cyber capacity per client, with a free first reinstatement and a paid second reinstatement for separate cyber events within a policy year. ¹⁰Company-reported. Cyber ECHO facility page; describes excess capacity Marsh can arrange, not a standard primary limit.

HUB directs you to a broker or its cyber specialists for a policy assessment; no online quote is described. ⁴Company-reported. Product-page call to action as read 2026-09-23.

You engage a named Marsh or MMA cyber specialist to design a placement; the reviewed pages describe advisor-led placement and risk analytics rather than an online self-serve quote. ^9,12Company-reported. Marsh and MMA cyber pages, which list dedicated cyber brokerage and placement leaders.

Not described in the reviewed sources.

Marsh's global claims and incident-management specialists review cyber claims, support litigation management and work with forensic accountants to prepare proof of loss, advocating with insurers on the client's behalf. ¹¹Company-reported. Claims Advocacy expertise page; recovery outcomes described as company-reported and not independently verified.