---
title: "At-Bay vs Harper: Cyber Insurance"
description: "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."
canonical: "https://spot.insure/compare/at-bay-vs-harper/cyber"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "at-bay-vs-harper"
provider-a: "at-bay"
provider-b: "harper"
coverage-line: "cyber"
---

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[Human-readable page](https://spot.insure/compare/at-bay-vs-harper/cyber)

## Agent Guide

**What this page is:** Focused comparison of At-Bay and Harper for Cyber Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Cyber Insurance questions about At-Bay versus Harper. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- At-Bay vs Harper for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, At-Bay or Harper?
- What does At-Bay or Harper publish about Cyber Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Cyber Insurance. Providers: At-Bay and Harper.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [At-Bay vs Harper](https://spot.insure/compare/at-bay-vs-harper) — all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — how this coverage works
- [At-Bay profile](https://spot.insure/insurance-providers/at-bay) — provider profile
- [Harper profile](https://spot.insure/insurance-providers/harper) — provider profile

# 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 starts a cyber quote with an online hacking checkbox aimed at ecommerce sellers; At-Bay includes Stance and publishes appetite up to $5 billion in revenue rather than that retail-intake path.

## At-Bay vs Harper Cyber Insurance Summary

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](https://www.harperinsure.com/ "Harper Homepage") [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

## 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](https://www.harperinsure.com/industries/ecommerce "eCommerce Insurance") [6](https://www.harperinsure.com/ "Harper Homepage") [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

### 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](https://www.harperinsure.com/ "Harper Homepage") [5](https://www.harperinsure.com/industries/ecommerce "eCommerce Insurance") [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") [4](https://www.at-bay.com/claims/ "Claims Handling")

## What Should You Confirm in At-Bay and Harper Cyber Insurance Quotes?

- Ask Harper which insurers it will call for your ecommerce profile. [5](https://www.harperinsure.com/industries/ecommerce "eCommerce Insurance")
- Ask At-Bay which appetite band and Stance tier apply. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")
- Compare Harper's cleanup description with At-Bay's listed social-engineering and extortion grants. [6](https://www.harperinsure.com/ "Harper Homepage") [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights")

## At-Bay vs Harper Cyber Insurance Compared

| 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. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: 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. [6](https://www.harperinsure.com/ "Harper Homepage") (Evidence: Company-reported; scope: 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. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: Product-page coverage highlights; the issued policy and endorsements control actual terms..)<br><br>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. [1](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance Coverage & Policy Highlights") (Evidence: Company-reported; scope: 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. [6](https://www.harperinsure.com/ "Harper Homepage") (Evidence: Company-reported; scope: Homepage 'What we cover' blurb; the issued policy and declarations would control actual insuring agreements and exclusions..)<br><br>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. [5](https://www.harperinsure.com/industries/ecommerce "eCommerce Insurance") (Evidence: Company-reported; scope: 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](https://www.at-bay.com/licenses/ "Licenses") [3](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/ "At-Bay Begins Issuing Policies on its own E&S Paper") (Evidence: Company-reported; scope: 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. [6](https://www.harperinsure.com/ "Harper Homepage") (Evidence: Company-reported; scope: Homepage 'What we cover' introduction and coverage list, where cyber is one of the enumerated lines..) |

## About At-Bay and Harper and Cyber Insurance

- [At-Bay company profile](https://spot.insure/insurance-providers/at-bay) · [At-Bay customer reviews](https://spot.insure/insurance-providers/at-bay/reviews)
- [Harper company profile](https://spot.insure/insurance-providers/harper) · [Harper customer reviews](https://spot.insure/insurance-providers/harper/reviews)
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber)

## Related Pages for At-Bay vs Harper Cyber Insurance

- [At-Bay vs Harper](https://spot.insure/compare/at-bay-vs-harper): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [At-Bay Cyber Insurance](https://spot.insure/insurance-providers/at-bay/cyber)
- [Harper Cyber Insurance](https://spot.insure/insurance-providers/harper/cyber)

## Sources for At-Bay vs Harper Cyber Insurance

### Sources About At-Bay

1. [Cyber Insurance Coverage & Policy Highlights](https://www.at-bay.com/insurance/cyber/). At-Bay; Cyber Coverage Highlights; Primary & Excess Appetite; InsurSec Packages (Core, Advanced, Complete); footnotes 1–7. Accessed 2026-09-23.
2. [Licenses](https://www.at-bay.com/licenses/). At-Bay; At-Bay Insurance Services LLC producer introduction and 50-state P&C/surplus-lines license table. Accessed 2026-09-23.
3. [At-Bay Begins Issuing Policies on its own E&S Paper](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/). At-Bay; August 9, 2023 release: "At-Bay ... has begun issuing Cyber and Tech E&O policies under its Delaware-based Excess and Surplus (E&S) carrier, At-Bay Specialty Insurance Company"; "All E&S Cyber and Tech E&O new business in eligible states and territories is now being quoted on At-Bay Specialty Insurance Company paper, as of August 7, 2023". Accessed 2026-09-23.
4. [Claims Handling](https://www.at-bay.com/claims/). At-Bay; At-Bay Cyber Incident Roadmap; Call an At-Bay Breach Coach; The At-Bay Claims Team. Accessed 2026-09-23.

### Sources About Harper

5. [eCommerce Insurance](https://www.harperinsure.com/industries/ecommerce). Harper; Know your coverage: What is eCommerce insurance?; Cyber Protection callout; Who this is for; Why Harper; FAQ 'Does insurance cover data breaches or hacking?'. Accessed 2026-09-23.
6. [Harper Homepage](https://www.harperinsure.com/). Harper; What we cover: 'Cyber insurance — If your systems or card payments get hacked, this covers the cleanup.'; quote-intake checkbox 'Hacking, data breaches, card fraud (cyber)'. Accessed 2026-09-23.

Updated 2026-09-25. 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/at-bay-vs-harper/cyber.md)
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