HUB International vs Risklytics Cyber Insurance

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.

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. ⁵Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.

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.

Risklytics does not name the carrier that underwrites Risklytics Cyber Liability Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. ^8,5Company-reported. Lines page and about page; no specific insurer is published for this line.

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.

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. ⁸Company-reported. Lines page.

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.

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. ⁸Company-reported. Lines page; the issued policy and declarations control actual coverage.

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.

Risklytics lists a typical ask of $1 million or more in enterprise contracts for this line. ⁸Company-reported. Lines page; actual limits are set on the bound policy.

Not described in the reviewed sources.

Risklytics calls cyber the easiest line for its clients to get with reasonable security basics in place, and says whether a prompt-injection attack or a model leaking data is covered depends on policy wording it reads before binding. ⁸Company-reported. Lines page.

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.

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. ^9,5Company-reported. Pricing page describes the general application and fee process, not a line-specific form.