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

Risklytics places cyber for robotics and AI firms and notes contracts often ask for $1 million or more; HUB International is a broker that lists breach services.

HUB brokers cyber through specialists and lists privacy attorneys, forensics and class-action defense among arranged services. Risklytics starts Cyber Liability through an online application, says there is no broker fee on top of premium, and reads whether prompt-injection or model leaks are covered before binding. ^1,^4,³

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

Specialist Intake or an Online Application With No Extra Fee

HUB directs you to a broker or cyber specialists for a policy assessment and does not describe an online quote. Risklytics starts Cyber Liability through an online application, says there is no broker fee on top of premium because the carrier pays its commission out of premium, and keeps a licensed producer on the file until bind. Choose HUB if you want a specialist assessment and that arranged-service roster; choose Risklytics if you want to apply online with no extra broker fee and an AI-wording review. ¹ ⁴ ³

Prompt-Injection Wording Versus Arranged Response Services

Risklytics says Cyber Liability pays for breach cleanup, required notifications and follow-on claims after a hack or data leak, not a model giving bad output with no breach, and that prompt-injection coverage depends on wording it reads before binding. HUB lists privacy attorneys, forensics, notification, credit monitoring, crisis PR, regulatory fines and class-action defense. ² ¹

Typical Limit Ask Versus Unpublished HUB Figures

Risklytics lists a typical enterprise-contract ask of $1 million or more. HUB's product page does not publish limits or retentions and instead argues that response costs can reach six figures. ² ¹

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

Ask HUB which carrier it would place. ¹
Ask Risklytics which specialist insurer would write the policy. ²
Ask Risklytics to show the prompt-injection wording it reviewed. ²
Confirm there is no extra broker fee on the Risklytics invoice. ⁴

HUB International vs Risklytics Cyber Insurance Compared

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

Criteria	HUB International Cyber Insurance Brokerage	Risklytics Cyber Liability 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.	Risklytics says companies typically need this coverage the first time they hold customer data in production, and that enterprise and government contracts require it once a vendor touches their data. ²Company-reported. Lines page.
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.	You start Risklytics Cyber Liability Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. ^4,³Company-reported. Pricing page describes the general application and fee process, not a line-specific form.
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.	Risklytics describes Cyber Liability as paying for breach cleanup, legally required notifications, and the claims that follow a hack or data leak, such as a ransomware attack or exfiltrated customer records, and says it does not respond to a model giving bad output with no breach involved. ²Company-reported. Lines page; the issued policy and declarations control actual coverage.
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.	Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Cyber Liability Insurance with outside carriers; it says it does not underwrite policies itself. ³Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.