HUB International vs 
Relm Insurance Cyber Insurance
HUB is the broker connecting clients to cyber specialists; Relm's cyber content is written for the brokers who place its coverage.
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. 1,2,3
What Is Relm Insurance?
Relm is a specialty insurance business serving emerging industries. Its AI range distinguishes developer liability, gaps in existing liability insurance and losses from third-party AI failures. 5,6
What Is Cyber Insurance?
Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. 8
Key Differences in Cyber Insurance
Where Each Sits in the Distribution Chain
HUB brokers cyber insurance and connects clients with cyber specialists for a policy assessment. Relm, by contrast, sells cyber through brokers, consistent with a placement flow where a broker like HUB would present Relm's coverage to a client. 4 7
How Coverage Is Structured
HUB lists a broad set of services it arranges without distinguishing first-party and third-party pieces: privacy attorney services, forensic investigation, notification compliance, credit monitoring, crisis PR, regulatory fines and class-action defense. Relm instead explicitly separates first-party coverage for the insured's own losses from third-party cyber liability for claims brought against the client.
Relm distinguishes first-party cyber coverage (the insured's own losses) from third-party cyber liability (claims against the client resulting from a loss), saying third-party cyber typically covers legal fees, settlements and regulatory penalties. 7Company-reported. Cyber and Tech E&O page 'First-Party Vs. Third-Party Cyber Liability Insurance' section.
4Who Each Product Is Framed Around
HUB frames cyber insurance as relevant to any business that stores data on a network. Relm instead frames eligibility around businesses relying on digital infrastructure, emphasizing sectors it describes as having "untested legal terrain and lagging regulation." 4 7
What to Confirm in Cyber Insurance Quotes
- Ask HUB whether Relm or a comparable specialty market is among the carriers it can place your cyber coverage with. 4
- Ask which insurer underwrites the Relm-placed policy; the reviewed page does not name one. 7
- Get published limits from both; neither reviewed page lists them. 4 7
- Ask which specific digital-crime scenarios, such as funds transfer fraud or invoice manipulation, are included in the base cyber form versus sold as endorsements. 7
Offering Details
HUB International vs Relm Insurance Cyber Insurance: documented features by provider
| Criteria | HUB International Cyber Insurance Brokerage | Relm Cyber 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. 4Company-reported. Cyber insurance product page as read 2026-09-23; the page does not name an issuing insurer. | Relm markets cyber liability insurance as a distinct line on the same page as its Technology Errors and Omissions product, explicitly noting the two are related but not the same coverage. 7Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. This record covers general cyber liability, distinct from Relm's separate generative-ai-liability offering record covering its NOVAAI, PONTAAI and RESCAAI AI-specific products. |
| Issuing Insurer | 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 page does not name a specific issuing insurer for cyber placements. 7Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific. |
| 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. 4Company-reported. Product-page framing; not a published underwriting appetite. | Relm says a business is exposed to cyber risk if it relies on digital infrastructure, and frames the coverage around sectors with 'untested legal terrain and lagging regulation.' 7Company-reported. Cyber and Tech E&O page framing; not a guarantee of eligibility for a particular company. |
| 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. 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. | Relm says cyber coverage addresses network security breaches, privacy breaches and extortion threats, including data breach response costs (notification, credit monitoring, PR), forensic investigation and legal defense, ransom payments and business interruption losses, data and asset recovery, and digital crime such as funds transfer fraud and invoice manipulation. 7Company-reported. Cyber and Tech E&O page 'What is Cyber Insurance?' section; the issued policy and declarations control. Relm distinguishes first-party cyber coverage (the insured's own losses) from third-party cyber liability (claims against the client resulting from a loss), saying third-party cyber typically covers legal fees, settlements and regulatory penalties. 7Company-reported. Cyber and Tech E&O page 'First-Party Vs. Third-Party Cyber Liability Insurance' section. |
| 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. 4Not publicly disclosed. Checked the cyber insurance product page on 2026-09-23; limits are set on the quote and declarations. | Not described in the reviewed sources. |
| How to Apply | 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. | Relm sells cyber insurance coverage through insurance brokers; its reviewed pages do not describe a direct online quote. 7Company-reported. Cyber and Tech E&O page framing; consistent with Relm's broader broker-distribution model. |
Full Comparison
More HUB International vs Relm Insurance Comparisons
Other Cyber Insurance Comparisons
Sources
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. 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.
- 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.
Relm Insurance
- Relm Launches US MGA. Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
- Relm Launches AI Liability Solutions. Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
- Cyber and Technology Errors and Omissions. Relm Insurance; What is Cyber Insurance?; First-Party Vs. Third-Party Cyber Liability Insurance; Who Needs Cyber and Tech E&O Insurance? Accessed 2026-09-23.
Cyber Insurance Guide
- 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.
