---
title: "HUB International vs Resilience Cyber Insurance"
description: "HUB does not publish cyber limits; Resilience advertises up to $20 million in capacity and names its issuing insurer entities."
canonical: "https://spot.insure/compare/hub-international-vs-resilience/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# HUB International vs Resilience Cyber Insurance

HUB does not publish cyber limits; Resilience advertises up to $20 million in capacity and names its issuing insurer entities.

## Research Scope and Use

Use this comparison to evaluate HUB International and Resilience 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 does not publish limit figures or name an insurer, while Resilience advertises cyber limits up to $20 million and names Homeland Insurance Company of New York or Delaware as its issuing insurers. [4](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [7](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance")

## 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 Resilience Insurance?

Resilience combines cyber and technology E&O insurance with cybersecurity risk-management services. Its offerings address both insurance placement and security investment decisions. [5](https://cyberresilience.com/ "Home Page") [6](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O")

[Resilience profile](https://spot.insure/insurance-providers/resilience)

## 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

### Published Limits

HUB's cyber page does not publish limit, retention or premium figures; it instead argues that breach response costs can reach six figures to explain why coverage matters. Resilience instead advertises cyber limits up to $20 million on a primary or excess basis, with a separate eCrime sublimit of up to $500,000.

Resilience advertises cyber limits up to $20 million, available on a primary or excess basis, with a separate eCrime sublimit of up to $500,000. The page does not publish minimum limits, retentions or deductibles. [7](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: "Top-Rated Insurance with Broad Market Appetite" and "Policy Coverage" sections; figures are marketing maximums, not a specific quote..)

[4](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance")

### Who Issues the Policy

HUB's cyber page does not name an issuing insurer, since HUB places coverage with carriers that vary by client. Resilience's US disclosure names Ocrea Risk Services LLC, doing business as Resilience Cyber Insurance Solutions, as the distributor, and Homeland Insurance Company of New York or Delaware as the underwriters. [4](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [8](https://cyberresilience.com/disclaimer/ "Disclaimer")

### Services Included With the Policy

HUB's page focuses on the coverage it can arrange rather than ongoing services for policyholders. Resilience instead pairs the policy with proactive threat monitoring from its Risk Operations Center, breach-and-attack simulations, and a 24/7 in-house claims team with a dedicated claims manager. [4](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [7](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [9](https://cyberresilience.com/products/claims-incident-response "Claims & Incident Response")

## What to Confirm in Cyber Insurance Quotes

- Ask Resilience which of the two Homeland entities would issue your specific policy. [8](https://cyberresilience.com/disclaimer/ "Disclaimer")
- Ask HUB which carrier it is proposing for your placement; its cyber page does not name one. [4](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance")
- Ask Resilience whether the $20 million figure reflects a maximum it can arrange or the limit available to your business specifically. [7](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance")
- Ask HUB for the specific coverage list it plans to place, since its page describes an illustrative set of services rather than a named policy form. [4](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance")

## Offering Details

| Criteria | HUB International Cyber Insurance Brokerage | Resilience 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. [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..) | Resilience pairs a cyber insurance policy with security services such as threat monitoring and breach-and-attack simulations. In the US, the policy is placed by a distributor rather than underwritten by the Resilience brand itself. [7](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: Cyber Insurance product page description of the combined offering, accessed 2026-09-23..) |
| 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..) | Resilience's US disclosure states that cyber insurance products are distributed by Ocrea Risk Services, LLC (NPN 19169260), doing business as Resilience Cyber Insurance Solutions, and underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, both subsidiaries of Intact Insurance Group USA LLC. The disclosure does not say which of the two Homeland entities issues a given policy. [8](https://cyberresilience.com/disclaimer/ "Disclaimer") (Evidence: Company-reported; scope: US paragraph of Resilience's disclaimer page, accessed 2026-09-23; product- and state-specific issuer mapping is not published..) |
| 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..) | Resilience markets US cyber insurance across industries including healthcare, higher education, financial institutions and services, manufacturing, construction, law firms, professional services, public entities, retail, hospitality, technology, life sciences, medical devices and pharmaceuticals. [7](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: "Broad Market Appetite" availability table for the United States, accessed 2026-09-23; the table does not state a minimum revenue or company-size threshold for cyber (unlike the separate tech E&O appetite range)..) |
| 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..) | Resilience lists privacy wrongful-act coverage, eCrime coverage up to $500,000, coverage for incident costs that exceed the policy limit (such as legal, forensics and crisis communications), and funds-transfer-fraud recovery assistance among its cyber policy features. [7](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: "Policy Coverage" section of the product page; actual insuring agreements, sublimits and exclusions are set by the issued policy..) |
| 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..) | Resilience advertises cyber limits up to $20 million, available on a primary or excess basis, with a separate eCrime sublimit of up to $500,000. The page does not publish minimum limits, retentions or deductibles. [7](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: "Top-Rated Insurance with Broad Market Appetite" and "Policy Coverage" sections; figures are marketing maximums, not a specific quote..) |
| Risk Services | Not described in the reviewed sources. | Resilience says policyholders get proactive threat monitoring from its Risk Operations Center and access to breach-and-attack simulations powered by AttackIQ, in addition to the policy itself. [7](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: "The Resilience Advantage" section of the cyber product 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..) | The reviewed cyber product page does not describe a self-service online application or quoting process; it routes visitors to request a quote or watch a product overview rather than showing an application flow. [7](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Not publicly disclosed; scope: Cyber Insurance product page, accessed 2026-09-23..) |
| Claims Support | Not described in the reviewed sources. | Resilience describes a fully in-house claims and incident-response team available 24/7, with a dedicated claims manager who stays with the policyholder from initial triage through settlement, backed by an outside panel of privacy-law, forensics and crisis-communications specialists. [9](https://cyberresilience.com/products/claims-incident-response "Claims & Incident Response") (Evidence: Company-reported; scope: Claims & Incident Response page, accessed 2026-09-23; response-time and outcome statistics on that page are company-reported and not independently verified..) |

## Full Comparison

- [HUB International vs Resilience](https://spot.insure/compare/hub-international-vs-resilience): 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 Resilience Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-resilience/technology-errors-omissions)
- [Alliance Risk vs HUB International Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/cyber)
- [Alliance Risk vs Resilience Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-resilience/cyber)
- [Amelia Risk vs HUB International Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/cyber)
- [Amelia Risk vs Resilience Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-resilience/cyber)
- [At-Bay vs HUB International Cyber Insurance](https://spot.insure/compare/at-bay-vs-hub-international/cyber)
- [At-Bay vs Resilience Cyber Insurance](https://spot.insure/compare/at-bay-vs-resilience/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.

### Resilience

5. [Home Page](https://cyberresilience.com/). Resilience; Cyber risk management; Broad market appetite. Accessed 2026-09-16.
6. [Technology E&O](https://cyberresilience.com/products/technology-errors-and-omissions-insurance). Resilience; Technology Errors & Omissions: technology risk categories; Key Benefits; primary and excess offering; A Broad Market Appetite (US revenue $25M–$10B). Accessed 2026-09-16.
7. [Cyber Insurance](https://cyberresilience.com/products/cyber-insurance). Resilience; Policy Coverage section: privacy wrongful act coverage, up to $500k eCrime coverage, coverage costs beyond policy limits, recovery for funds transfer fraud; "The Resilience Advantage" section; "Broad Market Appetite" availability table listing Cyber Insurance and Tech E&O in the United States. Accessed 2026-09-23.
8. [Disclaimer](https://cyberresilience.com/disclaimer/). Resilience; USA paragraph: "Insurance products are distributed by Ocrea Risk Services, LLC (NPN 19169260) dba Resilience Cyber Insurance Solutions. Resilience products are underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, each subsidiaries of Intact Insurance Group USA LLC". Accessed 2026-09-23.
9. [Claims & Incident Response](https://cyberresilience.com/products/claims-incident-response). Resilience; "Our Claims Advantage" and "Our Difference" sections: 24/7 in-house Claims & Incident Response team, fully in-house claims staff, dedicated claims manager from triage through settlement, world-class outside panel. 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.

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