HUB International vs USI Insurance Services: How Do They Compare for Cyber Insurance?

Both are brokers: HUB International frames cyber for any business storing data on a network, while USI Insurance Services targets middle-market firms with its PrivaSafe program.

HUB brokers cyber and lists privacy attorneys, forensics, notification and class-action defense among arranged services, without extra-limit figures. USI markets PrivaSafe, a manuscripted form that can add up to $2 million of notification costs outside the aggregate and $250,000 of defense costs outside the limit. ^1,²

What Are the Key Differences Between HUB International and USI Insurance Services Cyber Insurance?

Arranged Service List or Manuscript Extra Limits

HUB lists privacy attorneys, forensics, notification, credit monitoring, crisis PR, regulatory fines and class-action defense as services it arranges. USI layers PrivaSafe, a manuscripted form that can include up to $2 million of notification costs in addition to the aggregate and $250,000 of defense costs outside the limit. Choose HUB if that arranged-service roster after a specialist assessment is what you need; choose USI if you are a middle-market firm that wants those extra-limit figures in the comparison. ¹ ²

What Each Broker Asks You to Bring

HUB directs you to a specialist without listing intake documents. USI's program page says you should bring current cyber policies if any, an assessment of your largest financial and operational cyber vulnerabilities, and recent audited financials. ¹ ²

Who Each Program Is Aimed At

HUB frames cyber as relevant to any business storing data on a network. USI markets PrivaSafe to middle-market firms it says often lack in-house security expertise, while also saying any business that gathers personal or health information, manages a network or accepts electronic payments is a potential target. ¹ ²

What Should You Confirm in HUB International and USI Insurance Services Cyber Insurance Quotes?

Ask USI whether the $2 million and $250,000 extras appear on your quote. ²
Ask both which carrier would issue the policy. ¹ ²
Ask HUB whether class-action defense sits on the form. ¹
Ask USI how PrivaSafe's $10 million uninsured-loss figure maps to your placement. ²

HUB International vs USI Insurance Services Cyber Insurance Compared

HUB International vs USI Insurance Services: Cyber Insurance: documented features by provider

Criteria	HUB International Cyber Insurance Brokerage	USI PrivaSafe Cyber and Privacy Liability Program
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. ¹Company-reported. Product-page framing; not a published underwriting appetite.	USI markets PrivaSafe to middle-market firms, saying they are particularly vulnerable to cyber events because they have limited in-house access to security expertise. The page also says any business that gathers personal or health information, manages a network, or accepts electronic payments is a potential target. ²Company-reported. Program page marketing description, not an underwriting appetite statement.
How to Apply	HUB directs you to a broker or its cyber specialists for a policy assessment; no online quote is described. ¹Company-reported. Product-page call to action as read 2026-09-23.	To review cyber exposure with USI, the program page says a buyer should be ready to provide current cyber policies (if any), an assessment of its largest financial and operational cyber vulnerabilities, and its most recent audited financials. ²Company-reported. PrivaSafe program page intake description.
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. ¹Company-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. ¹Company-reported. Product-page statistics are company-cited industry figures, not independently verified by us and not HUB-specific claims data.	USI describes PrivaSafe as covering three areas: liability costs (including inability to protect information and related tort liability), compliance and corrective costs (data breach and forensic costs, privacy regulatory costs, payment-card standards), and direct costs (network interruption, data reconstruction, cyber extortion, bricking, voluntary shutdown, reputational harm business interruption, and cyber crime). ²Company-reported. PrivaSafe program page; actual insuring agreements and exclusions are set by the issued policy form.
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. ¹Company-reported. Cyber insurance product page as read 2026-09-23; the page does not name an issuing insurer.	USI is a broker, not an insurer, for cyber coverage. It places cyber and privacy liability policies for clients and layers on its own manuscripted program, PrivaSafe, rather than underwriting the risk itself. ^2,³Company-reported. PrivaSafe program page and USI's property & casualty and technology practice pages.