---
title: "HUB International vs Newfront Cyber Insurance"
description: "HUB's cyber page cites industry breach statistics broadly; Newfront names a specific practice leader and describes proprietary limit modeling."
canonical: "https://spot.insure/compare/hub-international-vs-newfront/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/hub-international-vs-newfront/cyber)

# HUB International vs Newfront Cyber Insurance

HUB's cyber page cites industry breach statistics broadly; Newfront names a specific practice leader and describes proprietary limit modeling.

## Research Scope and Use

Use this comparison to evaluate HUB International and Newfront for Cyber Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

HUB's cyber page cites general breach statistics to argue for coverage, while Newfront names a specific cyber practice leader and describes proprietary modeling data used to recommend limits for a client's specific risk exposure. [4](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [9](https://www.newfront.com/cyber-insurance "Cyber Risk")

## 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. [1](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## What Is Newfront?

Newfront is a business-insurance and employee-benefits brokerage that combines specialist teams with online policy-management tools. It is now part of WTW. [5](https://www.newfront.com/business-insurance "Business Insurance") [6](https://www.newfront.com/total-rewards "Employee Benefits") [7](https://www.newfront.com/navigator "Newfront Navigator") [8](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront "WTW Completes Acquisition Of Newfront")

[Newfront profile](https://spot.insure/insurance-providers/newfront)

## What Is Cyber Insurance?

Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. [10](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance")

## Key Differences in Cyber Insurance

### How Each Justifies the Need for Coverage

HUB cites general industry statistics, such as breaches occurring roughly every 40 seconds and 85% of breach insurance claims coming from small to midsize businesses, to argue that most data-holding businesses need cyber 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. [4](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: Product-page statistics are company-cited industry figures, not independently verified by Spot and not HUB-specific claims data..)

Newfront instead frames the need around "evolving cyber risk and increased underwriting standards" generally, without citing specific statistics. [9](https://www.newfront.com/cyber-insurance "Cyber Risk")

### How Limits Get Set

HUB's cyber page does not describe a process for recommending limits; it does not publish figures or a methodology. Newfront instead says its technology team provides proprietary modeling data to inform decisions on limits aligned with a client's specific risk exposure and tolerance. [4](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [9](https://www.newfront.com/cyber-insurance "Cyber Risk")

### How You Start a Placement

HUB routes visitors to connect with a broker for a policy assessment. Newfront instead routes visitors to a consultation led, on its cyber page, by a named head of the practice. [4](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [9](https://www.newfront.com/cyber-insurance "Cyber Risk")

## What to Confirm in Cyber Insurance Quotes

- Ask both HUB and Newfront which insurer they are proposing for your placement; neither names a carrier on its cyber page. [4](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [9](https://www.newfront.com/cyber-insurance "Cyber Risk")
- Ask Newfront to walk through how its proprietary modeling arrived at a recommended limit for your business. [9](https://www.newfront.com/cyber-insurance "Cyber Risk")
- Ask HUB for the specific coverage list it plans to place, since its page leads with statistics rather than a named policy form. [4](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance")
- Get published pricing from both; neither reviewed page lists a premium range. [4](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [9](https://www.newfront.com/cyber-insurance "Cyber Risk")

## Offering Details

| Criteria | HUB International Cyber Insurance Brokerage | Newfront Cyber Risk Insurance |
| --- | --- | --- |
| Role in This Line | HUB brokers cyber insurance rather than underwriting the coverage itself, and connects clients with cyber insurance specialists for a policy assessment. [4](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: Cyber insurance product page as read 2026-09-23; the page does not name an issuing insurer..) | Newfront's Cyber Risk practice brokers cyber coverage: it assesses risk, negotiates coverage and placement, and provides claims consultation. It does not underwrite the policy itself. [9](https://www.newfront.com/cyber-insurance "Cyber Risk") (Evidence: Company-reported; scope: Cyber Risk offering page..) |
| Issuing Insurer | The cyber insurance page does not name an issuing insurer; HUB places cyber coverage with carriers that vary by client and placement. [4](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") (Evidence: Not found in reviewed sources; scope: Checked the cyber insurance product page on 2026-09-23; no carrier is disclosed there..) | The reviewed Cyber Risk page does not name the insurer or insurers that would issue a cyber policy placed through Newfront. [9](https://www.newfront.com/cyber-insurance "Cyber Risk") (Evidence: Not publicly disclosed; scope: Cyber Risk page as read on 2026-09-23; carrier depends on the specific placement..) |
| Who It’s For | 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. [4](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: Product-page framing; not a published underwriting appetite..) | The Cyber Risk page does not state a company-size or industry eligibility threshold; it speaks generally about clients facing "evolving cyber risk and increased underwriting standards." [9](https://www.newfront.com/cyber-insurance "Cyber Risk") (Evidence: Not publicly disclosed; scope: Our Approach section; general framing, not a stated eligibility rule..) |
| Coverage Features | 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. [4](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: Product-page coverage list; the issued policy and its exclusions control an actual claim..)<br><br>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. [4](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: Product-page statistics are company-cited industry figures, not independently verified by Spot and not HUB-specific claims data..) | Newfront lists Cyber Liability Insurance, Data Breach Insurance, Technology Errors and Omissions (E&O), Business Interruption, Network Security Liability, and Cyber Extortion and Ransomware Coverage among its cyber Key Coverages. [9](https://www.newfront.com/cyber-insurance "Cyber Risk") (Evidence: Company-reported; scope: Cyber Risk page Key Coverages list; the page treats technology E&O as part of the same practice..) |
| Limits and Retentions | 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. [4](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") (Evidence: Not publicly disclosed; scope: Checked the cyber insurance product page on 2026-09-23; limits are set on the quote and declarations..) | Newfront's cyber page does not publish limits or retentions. It says its technology team provides proprietary modeling data to inform decisions on limits aligned with a client's risk exposure and tolerance. [9](https://www.newfront.com/cyber-insurance "Cyber Risk") (Evidence: Company-reported; scope: Subject Matter Expertise section; describes an internal modeling service, not published limit figures..) |
| Risk Services | Not described in the reviewed sources. | Newfront says dedicated cyber security specialists advise on security-improvement opportunities and current cybersecurity practices against phishing, ransomware and DDoS threats, and that its Tech E&O and Cyber team negotiates bespoke policy language. [9](https://www.newfront.com/cyber-insurance "Cyber Risk") (Evidence: Company-reported; scope: Subject Matter Expertise section of the cyber page..) |
| How to Apply | HUB directs you to a broker or its cyber specialists for a policy assessment; no online quote is described. [4](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23..) | You start a cyber placement by requesting a consultation through Newfront's Cyber Risk page, which is led by Jennifer Wilson, Head of the Cyber Practice. [9](https://www.newfront.com/cyber-insurance "Cyber Risk") (Evidence: Company-reported; scope: Cyber Risk page call-to-action and Leadership section; no online quoting or binding described..) |
| Claims Support | Not described in the reviewed sources. | Newfront says it provides "hands-on" claims consultation for cyber breaches, including pre- and post-loss advocacy and resolution consultation to prepare clients on breach-response protocol before a claim. [9](https://www.newfront.com/cyber-insurance "Cyber Risk") (Evidence: Company-reported; scope: Claims Consultation section of the cyber page; a described service, not a claims-outcome statistic..) |

## Full Comparison

- [HUB International vs Newfront](https://spot.insure/compare/hub-international-vs-newfront): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay your response costs and covered claims against your business after a cyber incident.
- [HUB International vs Newfront Cargo and Transit Insurance](https://spot.insure/compare/hub-international-vs-newfront/cargo-transit)
- [HUB International vs Newfront Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-newfront/commercial-auto)
- [HUB International vs Newfront Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-newfront/commercial-property)
- [HUB International vs Newfront Crime Insurance](https://spot.insure/compare/hub-international-vs-newfront/crime)
- [HUB International vs Newfront D&O Insurance](https://spot.insure/compare/hub-international-vs-newfront/directors-officers)
- [HUB International vs Newfront Employee Health Benefits](https://spot.insure/compare/hub-international-vs-newfront/employee-health-benefits)
- [HUB International vs Newfront Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-newfront/employment-practices)
- [HUB International vs Newfront Equipment Breakdown Insurance](https://spot.insure/compare/hub-international-vs-newfront/equipment-breakdown)
- [HUB International vs Newfront Fidelity Bonds](https://spot.insure/compare/hub-international-vs-newfront/fidelity-bonds)
- [HUB International vs Newfront Fiduciary Liability Insurance](https://spot.insure/compare/hub-international-vs-newfront/fiduciary)
- [HUB International vs Newfront General Liability Insurance](https://spot.insure/compare/hub-international-vs-newfront/general-liability)
- [HUB International vs Newfront Management Liability Insurance](https://spot.insure/compare/hub-international-vs-newfront/management-liability)
- [HUB International vs Newfront Product Liability Insurance](https://spot.insure/compare/hub-international-vs-newfront/product-liability)
- [HUB International vs Newfront Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-newfront/professional-errors-omissions)
- [HUB International vs Newfront Representations and Warranties Insurance](https://spot.insure/compare/hub-international-vs-newfront/representations-warranties)
- [HUB International vs Newfront Surety Bonds](https://spot.insure/compare/hub-international-vs-newfront/surety-bonds)
- [HUB International vs Newfront Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-newfront/technology-errors-omissions)
- [HUB International vs Newfront Telehealth Insurance](https://spot.insure/compare/hub-international-vs-newfront/virtual-care-telehealth)
- [HUB International vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-newfront/umbrella-excess)
- [HUB International vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-newfront/workers-compensation)
- [Alliance Risk vs HUB International Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/cyber)
- [Alliance Risk vs Newfront Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/cyber)
- [Amelia Risk vs HUB International Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/cyber)
- [Amelia Risk vs Newfront Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-newfront/cyber)
- [At-Bay vs HUB International Cyber Insurance](https://spot.insure/compare/at-bay-vs-hub-international/cyber)
- [At-Bay vs Newfront Cyber Insurance](https://spot.insure/compare/at-bay-vs-newfront/cyber)

## Sources

### HUB International

1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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.
4. [Cyber Insurance](https://www.hubinternational.com/products/business-insurance/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.

### Newfront

5. [Business Insurance](https://www.newfront.com/business-insurance). Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
6. [Employee Benefits](https://www.newfront.com/total-rewards). Newfront; Employee Benefits heading; Tailored Solutions; Comprehensive Expertise: Benefits, Global Benefits, Compensation and Retirement. Accessed 2026-09-16.
7. [Newfront Navigator](https://www.newfront.com/navigator). Newfront; Total Access. Real Confidence; Explore What You Can Do in Navigator; product demonstration image. Accessed 2026-09-15.
8. [WTW Completes Acquisition Of Newfront](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront). WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15.
9. [Cyber Risk](https://www.newfront.com/cyber-insurance). Newfront; Our Approach: Superior Risk Management, Coverage Negotiation, Claims Consultation; Key Coverages to Protect Your Business; Subject Matter Expertise; Leadership: Jennifer Wilson. Accessed 2026-09-23.

### Cyber Insurance Guide

10. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/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.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/hub-international-vs-newfront/cyber.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)