---
title: "HUB International vs TechInsurance Cyber Insurance"
description: "HUB routes cyber buyers to a broker for assessment; TechInsurance quotes online and reports a median premium from its own book of business."
canonical: "https://spot.insure/compare/hub-international-vs-techinsurance/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# HUB International vs TechInsurance Cyber Insurance

HUB routes cyber buyers to a broker for assessment; TechInsurance quotes online and reports a median premium from its own book of business.

## Research Scope and Use

Use this comparison to evaluate HUB International and TechInsurance 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 routes cyber buyers to connect with a broker rather than quoting online, while TechInsurance lets buyers request quotes through a short online application and publishes a median premium of $129 a month. [4](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes")

## 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 TechInsurance?

TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [5](https://www.techinsurance.com/about-us "About TechInsurance") [6](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## What Is Cyber Insurance?

Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. [9](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance")

## Key Differences in Cyber Insurance

### How You Get a Quote

HUB's cyber page routes visitors to connect with a broker for a policy assessment, without describing a self-service quote tool. TechInsurance instead lets you request quotes online through a short application, with a licensed agent available to help and a certificate of insurance typically available the same day you buy. [4](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes")

### Published Pricing

HUB's cyber page does not publish premium figures; it instead argues that response costs after a breach can reach six figures. TechInsurance reports a median premium from its own book of business.

TechInsurance says its cyber liability policyholders pay a median of $129 per month, or about $1,552 a year, based on its own customer data, with the exact premium depending on employee count, data volume, claims history, deductible and coverage limits. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..)

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

### What Each Explicitly Excludes

HUB's coverage list does not describe exclusions for this line. TechInsurance instead names specific exclusions: professional negligence claims unrelated to a breach, physical damage to electronic devices, and data loss from physical hardware damage, pointing buyers to errors and omissions or a BOP for those gaps. [4](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes")

## What to Confirm in Cyber Insurance Quotes

- Ask TechInsurance which specific carrier is quoting your policy, since it says it returns quotes from multiple carriers rather than naming one insurer upfront. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes")
- 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 TechInsurance how your business's employee count, data volume and claims history moved your quote relative to its published median. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes")
- 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 | TechInsurance Cyber Liability 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..) | TechInsurance arranges cyber liability insurance as a standalone policy and describes it as often bundled with technology errors and omissions coverage in a combined tech E&O package. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page..) |
| 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..) | The reviewed cyber liability page does not name the issuing insurer for a cyber policy; TechInsurance says it collects an application and returns quotes from multiple carriers rather than naming one insurer upfront. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Not publicly disclosed; scope: Cyber liability product page as read on 2026-09-23..) |
| 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..) | TechInsurance targets cyber liability at small businesses handling sensitive data, naming IT and technology professionals, retail, healthcare, financial services, real estate, and media and advertising businesses as example segments. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Who needs cyber liability insurance section of the product page..) |
| 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..) | TechInsurance splits cyber liability into first-party coverage (data breach response, cyber extortion payments, business interruption, data recovery) and third-party coverage (legal fees, regulatory fines, reputation management, settlements and court-ordered damages) for claims a client brings against the business. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page; coverage described in general terms, not a specific policy form..)<br><br>TechInsurance says cyber liability insurance does not cover professional negligence claims unrelated to a breach, physical damage to electronic devices, or data loss from physical damage to hardware, and points buyers to errors and omissions or a business owner's policy for those gaps. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: What isn't covered by cyber liability insurance section of the product page..) |
| 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..) | TechInsurance says its cyber liability policyholders pay a median of $129 per month, or about $1,552 a year, based on its own customer data, with the exact premium depending on employee count, data volume, claims history, deductible and coverage limits. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) |
| Risk Services | Not described in the reviewed sources. | The reviewed cyber liability page does not describe ongoing security monitoring or other risk-management services for policyholders; it focuses on coverage, cost and how to buy. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Not found in reviewed sources; scope: Cyber liability product page as read on 2026-09-23..) |
| 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..) | You request cyber liability quotes online through a short application describing your business; TechInsurance says a licensed agent is available to help and that a certificate of insurance is typically available the same day you buy a policy. [7](https://www.techinsurance.com/cyber-liability-insurance "Cyber Liability Insurance – Compare Quotes") (Evidence: Company-reported; scope: Cyber liability product page application and certificate sections..) |

## Full Comparison

- [HUB International vs TechInsurance](https://spot.insure/compare/hub-international-vs-techinsurance): 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 TechInsurance Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-techinsurance/business-owners-policy)
- [HUB International vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/commercial-auto)
- [HUB International vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/commercial-property)
- [HUB International vs TechInsurance D&O Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/directors-officers)
- [HUB International vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/employment-practices)
- [HUB International vs TechInsurance Fidelity Bonds](https://spot.insure/compare/hub-international-vs-techinsurance/fidelity-bonds)
- [HUB International vs TechInsurance General Liability Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/general-liability)
- [HUB International vs TechInsurance Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/inland-marine)
- [HUB International vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/professional-errors-omissions)
- [HUB International vs TechInsurance Tech E&O Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/technology-errors-omissions)
- [HUB International vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/umbrella-excess)
- [HUB International vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-techinsurance/workers-compensation)
- [Alliance Risk vs HUB International Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/cyber)
- [Alliance Risk vs TechInsurance Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/cyber)
- [Amelia Risk vs HUB International Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/cyber)
- [Amelia Risk vs TechInsurance Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/cyber)
- [At-Bay vs HUB International Cyber Insurance](https://spot.insure/compare/at-bay-vs-hub-international/cyber)
- [At-Bay vs TechInsurance Cyber Insurance](https://spot.insure/compare/at-bay-vs-techinsurance/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.

### TechInsurance

5. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
6. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
7. [Cyber Liability Insurance – Compare Quotes](https://www.techinsurance.com/cyber-liability-insurance). TechInsurance; What does cyber liability insurance cover?; First-party vs third-party coverage sections; How much does cyber liability insurance cost?; Who needs cyber liability insurance?; What isn't covered by cyber liability insurance?. Accessed 2026-09-23.
8. [Small Business Insurance](https://www.techinsurance.com/small-business-insurance). TechInsurance; Cyber liability insurance card under Top recommended small business insurance policies. Accessed 2026-09-23.

### Cyber Insurance Guide

9. [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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/hub-international-vs-techinsurance/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)