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

Relm Insurance sells cyber through brokers with no direct online quote; HUB International is a broker that sends you to a specialist and cites breach statistics.

HUB brokers cyber and lists privacy attorneys, forensics, notification and class-action defense among services it arranges. Relm distributes cyber through insurance brokers, distinguishes first-party losses from third-party liability, and lists digital crime such as funds-transfer fraud and invoice manipulation. ^1,²

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

Arranged Response Services or a First-Party Versus Third-Party Split

HUB lists privacy attorneys, forensics, notification, credit monitoring, crisis PR, regulatory fines and class-action defense among services it arranges after a specialist assessment. Relm sells cyber through brokers, distinguishes first-party losses from third-party legal fees, settlements and regulatory penalties, and lists digital crime such as funds-transfer fraud and invoice manipulation. Choose HUB if that arranged-service roster is the comparison you need; choose Relm if you already work with a broker and want first-party versus third-party grants, including digital crime, spelled out. ¹ ²

How You Access Each Offering

HUB directs visitors to connect with a broker or cyber specialist. Relm likewise sells through insurance brokers and does not describe a direct online quote, and it markets cyber on the same page as technology E&O while noting they are related but not the same. ¹ ²

Who Each Page Says Faces the Risk

HUB frames cyber as relevant to any business storing data on a network. Relm says a business is exposed if it relies on digital infrastructure, and frames the coverage around sectors with untested legal terrain and lagging regulation. ¹ ²

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

Ask HUB which carrier it would place. ¹
Ask Relm's broker which insurer would issue the policy. ²
Ask whether funds-transfer fraud sits on the Relm form. ²
Ask HUB whether class-action defense appears on your quote. ¹

HUB International vs Relm Insurance Cyber Insurance Compared

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

Criteria	HUB International Cyber Insurance Brokerage	Relm Cyber Insurance
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. ¹Company-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.' ²Company-reported. Cyber and Tech E&O page framing; not a guarantee of eligibility for a particular company.
How to Apply	HUB directs you to a broker or its cyber specialists for a policy assessment; no online quote is described. ¹Company-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. ²Company-reported. Cyber and Tech E&O page framing; consistent with Relm's broader broker-distribution model.
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. ¹Company-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. ¹Company-reported. Product-page statistics are company-cited industry figures, not independently verified by us 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. ²Company-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. ²Company-reported. Cyber and Tech E&O page 'First-Party Vs. Third-Party Cyber Liability Insurance' section.
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. ¹Company-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. ²Company-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.