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
THREE small business insurance: coverage, issuer and buying routes
THREE markets a packaged commercial insurance product through a direct quote route and partner agents. Berkshire Hathaway Direct Insurance Company is named as issuer on THREE’s sample policy. 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
Key Differences in Cyber Insurance
Coverage and service detail
HUB lists privacy-attorney and forensic services, notification compliance costs, credit monitoring, crisis PR, regulatory fines, and class-action defense after a breach. THREE lists cyber liability among package categories but does not specify what response costs the policy pays. For a business storing network data, request the policy language and compare who arranges experts and which expenses erode the limit. 4 7
Buying route and policy specifics
HUB directs prospects to cyber specialists for an assessment and does not describe online quoting; its page does not name the carrier or publish limits. THREE offers an online quote with advisor help and identifies an issuer in its sample policy. Ask HUB which insurer it proposes and compare its broker assessment against the THREE package schedule. 4 5
What to Confirm in Cyber Insurance Quotes
HUB International and THREE by Berkshire Hathaway Review Scores
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 reviewsTHREE by Berkshire Hathaway Review Score
Review Score
2 rated sources
The inspected sources report separate measures: NerdWallet’s 4.0/5 editorial rating is excluded from the source-rating average; Trustpilot displayed 2.5/5 from five user posts and BBB displayed 4.8/5 from 265 reviews. Trustpilot and BBB include different purchase, service and agent/intermediary interactions, not a verified common policyholder cohort. BBB separately lists complaints. Any source-rating average weights eligible platforms equally and is not a pooled, representative customer-experience estimate or a claims-quality measure.[4][3][1][2]
Read THREE by Berkshire Hathaway reviewsHUB International vs THREE by Berkshire Hathaway Cyber Compared
HUB International vs THREE by Berkshire Hathaway: Cyber Insurance: documented features by provider
| Criteria | HUB International Cyber Insurance Brokerage | THREE Business Owners Policy |
|---|---|---|
| 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. | THREE presents Cyber as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. 7Company-reported. Company-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant. |
| 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. | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. 6Company-reported. This is the issuer named on the public sample only; the sample does not establish the issuing entity for every state-specific quote or buyer's issued policy. |
| 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. | The reviewed product page does not state separate eligibility rules for Cyber; the general quote and advisor route is not proof that a particular business qualifies for it. 7,5Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms. |
| 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. | THREE's Business Owners Policy page lists Cyber Liability among its marketed coverage categories in the combined policy. This describes the product page, not whether the category appears in a particular quote or responds to a loss. 7,6Company-reported. Official THREE package marketing for Cyber. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy. |
| 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. | The reviewed public product page does not state a separate limit or deductible for Cyber; THREE says the quote-specific insurance summary lists limits and deductibles. 7,6Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible. |
| 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. | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. 5Company-reported. This is the route for the overall THREE product. It does not show whether Cyber will be offered for a particular business or whether a customer can bind that line without an issued policy. |
Related Pages for HUB International vs THREE by Berkshire Hathaway
Cyber Pages for HUB International and THREE by Berkshire Hathaway
Other Coverage Lines Compared for HUB International vs THREE by Berkshire Hathaway
Other Cyber Insurance Provider Comparisons
Sources for HUB International vs THREE by Berkshire Hathaway
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 THREE by Berkshire Hathaway
- Jargon-free small business insurance - THREE by Berkshire Hathaway. Berkshire Hathaway Direct Insurance Company, dba THREE; Lines 23, 39, 70–81 and 406–410: business location quote entry, single-policy description, issuer, business focus, online quote and licensed Small Business Advisor route. Quote entry inspected without submitting a form. Accessed 2026-09-30.
- The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway. Berkshire Hathaway Direct Insurance Company, dba THREE; State-selectable sample policy: Summary (Declarations) identifies Berkshire Hathaway Direct Insurance Company as issuer and says the insurance summary lists limits and deductibles; sample policy text and state selection do not establish terms for a particular quote or issued policy. Accessed 2026-09-30.
- Business Owners Policy - THREE by Berkshire Hathaway. Berkshire Hathaway Direct Insurance Company, dba THREE; Product page: “No need for multiple policies” and one comprehensive policy; Business Liability, Property and Business Auto categories and the listed line names. Product page footer identifies Berkshire Hathaway Direct Insurance Company, dba THREE. Accessed 2026-09-30.
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.
