Beazley vs Harper: How Do They Compare for Cyber Insurance?

Harper starts cyber quotes in an online intake aimed at online retailers; Beazley's Full Spectrum Cyber is bought by brokers on myBeazley and includes a coordinated breach response.

Harper shops cyber among carriers and puts its most detailed coverage language on an eCommerce page for retailers and marketplace sellers. Beazley publishes a named Full Spectrum Cyber product with a sample form and a $35 million revenue cap. ^5,¹

What Are the Key Differences Between Beazley and Harper Cyber Insurance?

Shopped Options Versus a Named Beazley Form

Harper describes calling the insurers that write cyber and presenting the resulting options, rather than issuing a policy itself. Beazley publishes Full Spectrum Cyber as its own small-business product, bound on myBeazley for accounts under $35 million in revenue, and a downloadable MediaTech sample form that names specific insuring agreements. Choose Harper if you want a broker to bring you competing carrier options; choose Beazley if you want that named form and fit the revenue cap. ⁶ ¹ ³

Where the Coverage Detail Lives

Harper's deepest cyber language sits on its eCommerce industry page:

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.

Beazley's sample form names Breach Response Costs, Cyber Extortion Loss and eCrime as distinct agreements with policy definitions, rather than an industry FAQ. ³

Who Each Page Is Talking To

Harper frames cyber around online retailers, dropshippers, marketplace sellers and direct-to-consumer brands, while its homepage intake still lets any business check a hacking-and-data-breach box. Beazley applies a revenue ceiling rather than an industry vertical. ⁵ ¹

What Should You Confirm in Beazley and Harper Cyber Insurance Quotes?

Ask Harper which insurers it is shopping and for limits and retentions; the pages show an unlabeled logo panel and no dollar figures. ⁶
If you are not an online retailer, ask Harper whether the eCommerce coverage description still applies. ⁵
Ask Beazley for the issuing entity and whether cyber shares a MediaTech aggregate. ¹ ³

Beazley vs Harper Cyber Insurance Compared

Beazley vs Harper: Cyber Insurance: documented features by provider

Criteria	Beazley Full Spectrum Cyber for Small Businesses	Harper Cyber Insurance
Who It’s For	Beazley says Full Spectrum Cyber is available to accounts with under $35 million in annual revenue, with coverage limits up to $5 million, purchased by a broker through Beazley's myBeazley platform. ¹Company-reported. Full Spectrum Cyber product page eligibility paragraph; eligibility for a particular business still depends on underwriting.	Harper positions cyber coverage as relevant to online retailers, dropshipping businesses, marketplace sellers and private-label or direct-to-consumer brands on its eCommerce industry page, while also listing cyber as a general coverage option for any business on the homepage intake. ^5,⁶Company-reported. eCommerce industry page 'Who this is for' section combined with the homepage's general cyber checkbox; no cyber-specific eligibility criteria (such as revenue thresholds) were found.
How to Apply	Beazley says brokers can get a quote and bind Full Spectrum Cyber through its myBeazley platform for qualifying small accounts. The MediaTech application separately asks about ransomware controls such as multi-factor authentication, VPN use, patch timing and backup frequency, which affect underwriting. ^1,⁴Company-reported. Full Spectrum Cyber product page myBeazley paragraph and MediaTech application Ransomware Controls section; a completed application does not establish acceptance, and myBeazley is a broker tool, not a direct-to-business portal.	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	The sample MediaTech cyber insuring agreements cover Breach Response Costs after an actual or suspected data breach, Cyber Extortion Loss from an extortion threat, business interruption loss from a security breach or system failure, and eCrime losses from fraudulent instruction, funds transfer fraud or telephone fraud. ³Company-reported. Sample policy form F00731, 022019 edition; the issued policy's wording and any endorsements control, and a stand-alone Full Spectrum Cyber policy may use different wording.	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	For small businesses, Beazley sells cyber coverage two ways: as Full Spectrum Cyber, built around its Beazley Breach Response product plus integrated risk-management services from its in-house Beazley Security unit, and as the cyber component bundled inside the broader MediaTech form alongside tech E&O, professional E&O and media liability. ^1,²Company-reported. US small-business product pages for Full Spectrum Cyber and MediaTech; does not address any larger-account cyber program Beazley may write separately.	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.