At-Bay vs 
Harper: How Do They Compare for Cyber Insurance?
Harper starts cyber quotes through an online intake with a hacking and card-fraud checkbox; At-Bay accepts email submissions or broker-platform quotes and writes up to $5 billion in revenue.
Harper positions cyber for online retailers, dropshippers and marketplace sellers and starts with an online checkbox for hacking, data breaches and card fraud. At-Bay includes Stance on every policy and writes primary and excess cyber for revenue up to $5 billion and limits up to $10 million. 6,1
What Are the Key Differences Between At-Bay and Harper Cyber Insurance?
An Ecommerce Checkbox Versus Stance on a Named Product
Harper describes calling the insurers that write cyber and presenting options, and you can start a quote by checking 'Hacking, data breaches, card fraud (cyber)' with state and estimated revenue, aimed at online retailers, dropshipping businesses, marketplace sellers and DTC brands. At-Bay includes Stance monitoring on every policy and takes submissions by email or Broker Platform inside published appetite up to $5 billion in revenue and $10 million in limits. Choose Harper if you sell online and want that checkbox intake; choose At-Bay if you want Stance and those published ceilings. 5 6 1
Cleanup Language Versus Listed Crime and Interruption Grants
Harper's homepage summarizes cyber as coverage for the cleanup if systems or card payments get hacked. At-Bay lists social engineering and invoice manipulation for all classes, contingent business interruption, cryptojacking and bricking at full limits, and a breach-coach line. Harper does not publish limits or describe a security platform. 6 5 1 4
What Should You Confirm in At-Bay and Harper Cyber Insurance Quotes?
At-Bay vs Harper Cyber Insurance Compared
At-Bay vs Harper: Cyber Insurance: documented features by provider
| Criteria | At-Bay Cyber Insurance | Harper Cyber Insurance |
|---|---|---|
| How to Apply | You apply for At-Bay cyber coverage by emailing a submission to underwriting@at-bay.com or by requesting an automated quote through At-Bay's Broker Platform. 1Company-reported. Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings. | You can start a cyber quote through Harper's online intake by selecting the 'Hacking, data breaches, card fraud (cyber)' checkbox alongside the business's state, estimated annual revenue and a description of what it does. 6Company-reported. Homepage quote-intake form. |
| Coverage Features | At-Bay lists direct and contingent business interruption and system failure coverage, social engineering and invoice manipulation coverage for all classes of business, full limits for cryptojacking and bricking, broad cyber extortion coverage including cryptocurrency payment, and reputational-harm coverage for PR costs from adverse publicity. 1Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms. At-Bay sells cyber insurance with optional InsurSec security tiers: Core includes vulnerability monitoring and a fraud-defense sub-limit; Advanced adds a reduced ransomware retention and a zero-hour ransomware waiting period; Complete adds a $0 financial-fraud retention and a $1 million financial-fraud sub-limit. Each higher tier requires a separately purchased managed detection and response (MDR) subscription. 1Company-reported. Product-page InsurSec package descriptions and footnotes; availability depends on the business's risk profile and qualifying conditions. | Harper's homepage summarizes cyber insurance as coverage for the cleanup if a business's systems or card payments get hacked. 6Company-reported. Homepage 'What we cover' blurb; the issued policy and declarations would control actual insuring agreements and exclusions. On its eCommerce industry page, Harper describes cyber protection as covering data breaches, payment fraud, hacking incidents and exposure of customer information, and its FAQ adds that cyber liability coverage may apply to customer notification costs, credit monitoring and certain regulatory expenses. 5Company-reported. eCommerce industry page; this description is given in the context of online retailers, dropshippers, marketplace sellers and DTC brands, and may not describe cyber coverage the same way for other industries. |
| Role in This Line | At-Bay places cyber insurance through its disclosed producer, At-Bay Insurance Services LLC, which is licensed as an insurance producer in all 50 states. At-Bay says eligible new excess-and-surplus (E&S) cyber business has been written on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. 2,3Company-reported. Producer role from the current license page; carrier role from a 2023 transition announcement, not confirmed for every current cyber quote. | For cyber insurance, Harper describes calling the insurance companies that write the coverage for a business and presenting the resulting options to choose from, rather than issuing a cyber policy itself. 6Company-reported. Homepage 'What we cover' introduction and coverage list, where cyber is one of the enumerated lines. |
