---
title: "HUB International vs Simply Business: Cyber Insurance"
description: "HUB describes a broker-arranged response package including forensics and breach notification; Simply Business offers cyber as an add-on to select existing policy purchases."
canonical: "https://spot.insure/compare/hub-international-vs-simply-business/cyber"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "hub-international-vs-simply-business"
provider-a: "hub-international"
provider-b: "simply-business"
coverage-line: "cyber"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

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

## Agent Guide

**What this page is:** Focused comparison of HUB International and Simply Business for Cyber Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Cyber Insurance questions about HUB International versus Simply Business. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- HUB International vs Simply Business for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, HUB International or Simply Business?
- What does HUB International or Simply Business publish about Cyber Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Cyber Insurance from HUB International or Simply Business?

**Key facts:**
- Line: Cyber Insurance. Providers: HUB International and Simply Business.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [HUB International vs Simply Business](https://spot.insure/compare/hub-international-vs-simply-business) — parent: all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — coverage explainer for this line
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile (evidence)
- [Simply Business profile](https://spot.insure/insurance-providers/simply-business) — provider profile (evidence)
- [HUB International vs Simply Business Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-simply-business/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Simply Business Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-simply-business/commercial-property) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Simply Business General Liability Insurance](https://spot.insure/compare/hub-international-vs-simply-business/general-liability) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Simply Business Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-simply-business/inland-marine) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-simply-business/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [HUB International vs Simply Business Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-simply-business/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs HUB International Cyber Insurance](https://spot.insure/compare/aig-vs-hub-international/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs Simply Business Cyber Insurance](https://spot.insure/compare/aig-vs-simply-business/cyber) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs HUB International Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/cyber) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Simply Business Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-simply-business/cyber) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs HUB International Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/cyber) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Simply Business Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-simply-business/cyber) — sibling comparison (other line, or other pair for this line)

# HUB International vs Simply Business: How Do They Compare for Cyber Insurance?

HUB describes a broker-arranged response package including forensics and breach notification; Simply Business offers cyber as an add-on to select existing policy purchases.

## How to Use the HUB International vs Simply Business Cyber Insurance Comparison

Use this comparison to evaluate HUB International and Simply Business 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.

## HUB International vs Simply Business Cyber Insurance Summary

HUB describes a broker-arranged response package including forensics and breach notification; Simply Business offers cyber as an add-on to select existing policy purchases. [4](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [7](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance")

## 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](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)

## 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](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [6](https://www.simplybusiness.com/terms-conditions/ "Terms of Service")

[Simply Business profile](https://spot.insure/insurance-providers/simply-business)

## 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](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance") [9](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf "CyberEdge specimen policy")

## 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](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [7](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance")

### 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](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [6](https://www.simplybusiness.com/terms-conditions/ "Terms of Service")

### 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](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [7](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance")

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

## HUB International vs Simply Business Cyber Insurance Compared

| 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. [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..) | 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. [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..) | 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. [4](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: 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. [7](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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. [7](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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. [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 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](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance") [6](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: 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

- [HUB International vs Simply Business](https://spot.insure/compare/hub-international-vs-simply-business): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [HUB International vs Simply Business Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-simply-business/business-owners-policy)
- [HUB International vs Simply Business Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-simply-business/commercial-property)
- [HUB International vs Simply Business General Liability Insurance](https://spot.insure/compare/hub-international-vs-simply-business/general-liability)
- [HUB International vs Simply Business Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-simply-business/inland-marine)
- [HUB International vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-simply-business/professional-errors-omissions)
- [HUB International vs Simply Business Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-simply-business/workers-compensation)
- [AIG vs HUB International Cyber Insurance](https://spot.insure/compare/aig-vs-hub-international/cyber)
- [AIG vs Simply Business Cyber Insurance](https://spot.insure/compare/aig-vs-simply-business/cyber)
- [Alliance Risk vs HUB International Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/cyber)
- [Alliance Risk vs Simply Business Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-simply-business/cyber)
- [Amelia Risk vs HUB International Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/cyber)
- [Amelia Risk vs Simply Business Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-simply-business/cyber)

## Sources for HUB International vs Simply Business Cyber Insurance

### Sources About 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.

### Sources About Simply Business

5. [Our Small Business Insurance Story](https://www.simplybusiness.com/about-us/). Simply Business; Opening description and audience; digital marketplace, business types and U.S. service.. Accessed 2026-09-29.
6. [Terms of Service](https://www.simplybusiness.com/terms-conditions/). 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.
7. [Cyber Insurance](https://www.simplybusiness.com/business-insurance/cyber-liability-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

8. [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.
9. [CyberEdge specimen policy](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf). 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.

Updated 2026-09-30. 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.

## HUB International Review Scores for 2026

Review Score: 5.6 / 10 from 2 rated sources, equally weighted.

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-.

- BBB: BBB business grade A- (BBB letter grade). BBB profile for HUB International, Chicago headquarters and its corporate-owned locations (United States). HUB is a global broker; BBB coverage is US/Canada and split by office profile. Period: current page, accessed 2026-09-29; 3 complaints closed in last 3 years. Checked 2026-09-29. [HUB International | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202)
- BBB customer reviews: BBB customer reviews 1 (out of 5); 7 reviews. Customer reviews left on the same BBB headquarters profile (HQ and corporate-owned US locations). Small sample. Checked 2026-09-29. [HUB International | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202/customer-reviews)
- BBB Canada West: BBB business grade A- (BBB letter grade). BBB profile for HUB International Canada West ULC, Burnaby BC. Covers one Canadian regional entity only, not the whole group. Period: current page; 13 complaints closed in last 3 years; 3 customer reviews. Checked 2026-09-29. [HUB International Canada West ULC | BBB Reviews](https://www.bbb.org/ca/bc/burnaby/profile/insurance-services-office/hub-international-insurance-brokers-hub-coastal-0037-120326/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/hub-international/reviews).

## Simply Business Review Scores for 2026

Review Score: 5.7 / 10 from 4 rated sources, equally weighted.

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.

- Trustpilot: TrustScore 4.3 (out of 5); 1901 reviews. Simply Business US Trustpilot profile. Reviews are not tied to a specific insurance line or insurer. Period: profile accessed 2026-09-29; 419 in last 12 months. Checked 2026-09-29. [Simply Business US Reviews](https://www.trustpilot.com/review/simplybusiness.com)
- ConsumerAffairs: ConsumerAffairs header rating 1.0 (out of 5 (breakdown conflicts with review filters)); 148 reviews. ConsumerAffairs Simply Business page, broad business-insurance context; not line-specific. Period: page updated 2026-09-17; denominator unresolved. Checked 2026-09-29. [Simply Business Reviews](https://www.consumeraffairs.com/insurance/simply-business.html)
- BBB: BBB business grade B+ (BBB letter grade). BBB profile classifies Simply Business as an insurance agency; business grade, consumer-review average and complaint ledger are separate measures, none is line-specific. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Simply Business BBB Business Profile](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591); [Simply Business BBB Complaints](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/complaints); [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews)
- BBB: BBB customer review average 1.95 (out of 5); 20 reviews. BBB customer-review average for the Simply Business profile (Boston, MA). Separate from the business grade. Period: BBB review page checked 2026-09-29. Checked 2026-09-29. [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/simply-business/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/hub-international-vs-simply-business/cyber.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)