Identify Theft Protection

Identity theft protection  is packaged together with personal cyber insurance at HUB International.

HUB puts identity theft protection together with personal cyber insurance rather than selling it as its own product, and the same structure likely applies across other carriers, making it hard to know where to even start looking.

Being clear that identity theft monitoring and resolution comes bundled with personal cyber coverage, not as a separate purchase, helps you find the right product instead of assuming it doesn’t exist or searching for something that isn’t sold on its own.

Most households without this protection didn’t choose to go without it, they simply didn’t realize identity protection is often part of a personal cyber insurance program.

You find identity theft protection where it lives, bundled with personal cyber coverage, instead of assuming it doesn't exist because it isn't sold as its own product.

Standard homeowners and auto policies don’t address identity theft resolution costs or the expenses of restoring a stolen identity, and incidents increasingly cross from a digital breach into real financial loss, so coverage needs to address both sides at once.

Identity theft rarely stops at the initial breach. What starts online can quickly turn into stolen funds, drained accounts and months of cleanup. Yet the resolution and recovery costs that follow fall outside what typical homeowners and auto policies cover. Effective protection needs to close that difference by handling both the theft itself and everything it leaves behind.

Coverage that addresses both the resolution side of identity theft, monitoring, credit repair, lost wages, and the financial-loss side of cyber fraud, a wire-fraud scheme or a compromised account, closes the exposure a standard homeowners or auto policy simply doesn’t reach.

The costs that catch households off guard aren't usually the fraudulent charge itself. It's the time and expense of restoring their identity and credit afterward.

Your coverage addresses both the resolution costs of identity theft and the financial loss from cyber fraud, rather than assuming a homeowners or auto policy already covers either. 

When identity theft or cyber fraud strikes, the fallout often extends far beyond filing an insurance claim, making an already stressful situation difficult to manage without expert support.

Resolving an identity theft or cyber fraud incident, a ransomware event, a wire-fraud scheme or a device theft leading to account compromise requires navigating credit bureaus, banks and sometimes law enforcement in addition to an insurance claim, and without an advocate you have to coordinate all of it on your own.

Provide broker-led recovery support that actively guides the response process, helping clients prioritize next steps, coordinate with the right institutions and move through claim resolution with less confusion and delay.

What is needed in these moments is not just reimbursement support, but help managing the recovery itself. The real burden is often sorting out what to do first, who to contact and how to keep multiple actions moving at once.

You have support coordinating recovery across credit bureaus, banks and the insurance claim, rather than piecing together a multi-front process alone during an already stressful incident.