What Is HUB International?
HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. 1,2,3
Simply Business: Online Small-Business Insurance Marketplace
Simply Business describes a digital marketplace and licensed-producer service for small businesses. The policy and selected insurer determine coverage, fees, servicing and claims responsibilities. 5,6
What Is Cyber Insurance?
Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. 8,9
What Are the Key Differences Between HUB International and Simply Business Cyber Insurance?
Incident Response Scope
HUB lists privacy counsel, IT forensics, state notification costs, credit monitoring, crisis communications and class-action defense among the cyber services or costs it arranges. Simply Business describes potential security-event and privacy-regulation claim types but does not publish an equally detailed response schedule in its reviewed page. Ask the HUB broker which items are covered costs versus vendor services and request the actual Simply Business policy wording. 4 7
Buyer Fit and Assessment
HUB frames cyber as relevant to any business storing network data and directs buyers to its specialists for an assessment. Simply Business says cyber is available only to select businesses purchasing another policy, with state and business details affecting availability. Ask HUB to identify appropriate markets and Simply Business to confirm add-on qualification before relying on the general descriptions. 4 6
Carrier and Limits
HUB’s reviewed page does not name a carrier or publish limits; Simply Business also leaves the issuer to approved placement and publishes no cyber limit figures. Ask both for named insurer, limits, retention, sublimits for response expenses and who handles the claim. 4 7
What Should You Confirm in HUB International and Simply Business Cyber Insurance Quotes?
- For HUB, ask which listed costs are policy benefits and which are vendor services, then obtain carrier, limit and retention; its overview does not publish these quote terms. 4
- Ask the Simply Business carrier to identify who coordinates privacy counsel, forensics and crisis communications after a breach, and compare those arrangements with HUB’s quoted response support. 7 4
HUB International and Simply Business Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
HUB International Review Score
Review Score
2 rated sources
Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.[7][6]
Read HUB International reviewsSimply Business Review Score
Review Score
4 rated sources
Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0.[6][10][7]
Read Simply Business reviewsHUB International vs Simply Business Cyber Insurance Compared
HUB International vs Simply Business: Cyber Insurance: documented features by provider
| Criteria | HUB International Cyber Insurance Brokerage | Cyber liability coverage as an add-on through Simply Business |
|---|---|---|
| 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. | Confirm in your quote. |
| 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. | Confirm in your quote. |
| 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. | Simply Business says cyber is available as an added coverage for select businesses purchasing another business policy, with general liability, professional liability and workers’ compensation given as examples. This is not a universal availability promise. 7Company-reported. Company-published cyber information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| 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. | The cyber page describes security-event and privacy-regulation claim types as risks that may be covered. This is company education; the policy determines coverage, limits, triggers and exclusions. 7Company-reported. Company-published cyber information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| 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. | Confirm in your quote. |
| 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. | The page lists a phone quote route for cyber and also describes an online quote tool. Its Terms say availability varies by state, insurer and business details and binding requires panel-member approval. 7,6Company-reported. Company-published cyber information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
Related Pages for HUB International vs Simply Business Cyber Insurance
Cyber Insurance Pages for HUB International and Simply Business
Other Coverage Lines Compared for HUB International vs Simply Business
Other Cyber Insurance Provider Comparisons
Sources for HUB International vs Simply Business Cyber Insurance
Sources About 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.
Sources About Simply Business
- Our Small Business Insurance Story. Simply Business; Opening description and audience; digital marketplace, business types and U.S. service. Accessed 2026-09-29.
- Terms of Service. Simply Business; Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211. Accessed 2026-09-29.
- Cyber Insurance. Simply Business; Claim types lines 88–105; select-buyer add-on/phone quote lines 171–175; route and last-updated lines 389–395. Accessed 2026-09-29.
Sources for the 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.
- CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.
