---
title: "CFC vs Harper: Cyber Insurance"
description: "Harper describes calling the insurers that write cyber for a business and presenting options, with its most detailed coverage language on an eCommerce page for retailers and marketplace sellers. CFC sells Cyber Proactive Response as a named product with in-house 24/7 response for $0 to $250 million in revenue."
canonical: "https://spot.insure/compare/cfc-vs-harper/cyber"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "cfc-vs-harper"
provider-a: "cfc"
provider-b: "harper"
coverage-line: "cyber"
---

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

## Agent Guide

**What this page is:** Focused comparison of CFC 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 CFC versus Harper. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Cyber Insurance. Providers: CFC 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 2026-09-29.

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

# CFC vs Harper: How Do They Compare for Cyber Insurance?

Harper starts cyber quotes in an online intake for online retailers; CFC asks a one-page application about MFA, offline backups and recent incidents.

Harper shops cyber among carriers for online retailers and marketplace sellers and presents the resulting options; CFC sells a named Cyber Proactive Response product with in-house incident response for revenues up to $250 million.

## CFC vs Harper Cyber Insurance Summary

Harper describes calling the insurers that write cyber for a business and presenting options, with its most detailed coverage language on an eCommerce page for retailers and marketplace sellers. CFC sells Cyber Proactive Response as a named product with in-house 24/7 response for $0 to $250 million in revenue. [7](https://www.harperinsure.com/ "Harper Homepage") [1](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC")

## What Are the Key Differences Between CFC and Harper Cyber Insurance?

### Shopped Carrier Options Versus a Named CFC Product

Harper describes calling the insurance companies that write cyber for a business and presenting the resulting options, rather than issuing a policy itself, and it puts its most detailed coverage language on an eCommerce page for online retailers, dropshippers, marketplace sellers and private-label brands. CFC sells Cyber Proactive Response as a named product for $0 to $250 million in revenue, with CFC Response included. Choose Harper if you want a broker to shop options for an online retail operation; choose CFC if you want that named product with in-house response. [6](https://www.harperinsure.com/industries/ecommerce "eCommerce Insurance") [7](https://www.harperinsure.com/ "Harper Homepage") [1](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC")

### Cleanup Language Versus Published Reinstatements

Harper's homepage summarizes cyber as coverage for the cleanup if systems or card payments get hacked; the eCommerce page adds data breaches, payment fraud and exposure of customer information. CFC publishes crime cover, a 12-month interruption indemnity period, data recreation and unlimited claim reinstatements. [7](https://www.harperinsure.com/ "Harper Homepage") [6](https://www.harperinsure.com/industries/ecommerce "eCommerce Insurance") [1](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC")

### Checkbox Intake Versus a Control Questionnaire

You can start a Harper quote by selecting a hacking, data breaches, card fraud checkbox alongside state, estimated annual revenue and a business description. CFC's US application asks whether MFA is enforced for remote access and email and whether backups are offline or MFA-secured. [6](https://www.harperinsure.com/industries/ecommerce "eCommerce Insurance") [4](https://www.cfc.com/media/clyfotxn/cyber-one-page-application-us-v12.pdf "Cyber Proactive Response Insurance application form (US)")

## What Should You Confirm in CFC and Harper Cyber Insurance Quotes?

- Ask Harper which insurer would write the policy; its pages show logos without naming a cyber carrier. [7](https://www.harperinsure.com/ "Harper Homepage")
- Ask CFC which insurer sits behind the US policy. [4](https://www.cfc.com/media/clyfotxn/cyber-one-page-application-us-v12.pdf "Cyber Proactive Response Insurance application form (US)")
- If you are not an online retailer, confirm Harper still shops cyber for your class. [6](https://www.harperinsure.com/industries/ecommerce "eCommerce Insurance")
- Get limits from both; Harper publishes none. [6](https://www.harperinsure.com/industries/ecommerce "eCommerce Insurance") [1](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC")

## CFC vs Harper Cyber Insurance Compared

| Criteria | CFC Cyber Proactive Response | Harper Cyber Insurance |
| --- | --- | --- |
| Who It’s For | CFC segments cyber eligibility by revenue: Cyber Proactive Response and Cyber (admitted) are positioned for businesses with revenues from $0 to $250 million, while Corporate cyber is for businesses at $250 million and above. [1](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC") (Evidence: Company-reported; scope: Cyber product page product summaries; actual eligibility for a given applicant 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. [6](https://www.harperinsure.com/industries/ecommerce "eCommerce Insurance") [7](https://www.harperinsure.com/ "Harper Homepage") (Evidence: Company-reported; scope: 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 | The US Cyber Proactive Response application is a one-page form asking whether multi-factor authentication is enforced for remote network access and email, whether backups are offline or MFA-secured, and whether the business had a cyber incident in the last three years. [4](https://www.cfc.com/media/clyfotxn/cyber-one-page-application-us-v12.pdf "Cyber Proactive Response Insurance application form (US)") (Evidence: Company-reported; scope: Cyber Proactive Response application form sections on cyber security controls and previous cyber incidents..) | 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. [7](https://www.harperinsure.com/ "Harper Homepage") (Evidence: Company-reported; scope: Homepage quote-intake form..) |
| Coverage Features | Cyber Proactive Response includes crime cover, a 12-month indemnity period for business interruption, and data recreation cover, with unlimited claim reinstatements available at either no deductible or a single deductible at most. [1](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC") (Evidence: Company-reported; scope: Cyber product page Key features list for Cyber Proactive Response..) | Harper's homepage summarizes cyber insurance as coverage for the cleanup if a business's systems or card payments get hacked. [7](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. [6](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 | CFC's flagship cyber product, Cyber Proactive Response, targets businesses with revenues from $0 to $250 million and pairs the policy with built-in security monitoring, incident response and claims handling rather than selling those as add-ons. [1](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance | CFC") (Evidence: Company-reported; scope: Cyber insurance product page's Cyber Proactive Response summary; CFC separately sells Cyber (admitted), Corporate cyber for businesses at $250 million and up, and a Cyber excess policy..) | 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. [7](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 CFC and Harper and Cyber Insurance

- [CFC company profile](https://spot.insure/insurance-providers/cfc) · [CFC customer reviews](https://spot.insure/insurance-providers/cfc/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 CFC vs Harper Cyber Insurance

- [CFC vs Harper](https://spot.insure/compare/cfc-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.
- [CFC Cyber Insurance](https://spot.insure/insurance-providers/cfc/cyber)
- [Harper Cyber Insurance](https://spot.insure/insurance-providers/harper/cyber)

## Sources for CFC vs Harper Cyber Insurance

### Sources About CFC

1. [Cyber insurance | CFC](https://www.cfc.com/en-us/products/class/cyber-insurance/). CFC; Cyber Proactive Response, Cyber (admitted), Corporate cyber, Cyber excess product summaries and Key features; FAQs: How is a cyber insurance policy structured?. Accessed 2026-09-23.
2. [Incident response | CFC](https://www.cfc.com/en-us/response/). CFC; Proactive protection; Immediate response; Real-time support. Accessed 2026-09-23.
3. [Protecting businesses against cyber risk (cyber product brochure)](https://www.cfc.com/media/mkkhlz5l/cfc_market-leading-cyber-insurance_brochure_may-2026_digital.pdf). CFC; Market-leading cover highlights: separate limit for incident response costs, unlimited reinstatements with nil deductible, full business interruption cover; Award-winning cyber claims team stats. Accessed 2026-09-23.
4. [Cyber Proactive Response Insurance application form (US)](https://www.cfc.com/media/clyfotxn/cyber-one-page-application-us-v12.pdf). CFC; Basic company details; Cyber security controls; Previous cyber incidents; footer entity line. Accessed 2026-09-23.
5. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988; CFC USA Inc.. Accessed 2026-09-23.

### Sources About Harper

6. [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.
7. [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 2026-09-29. 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.

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