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

Harper starts cyber quotes in an online intake for online retailers; Coalition sells only through appointed brokers and includes attack-surface monitoring with its policy.

Coalition designs Active Cyber Insurance with Control monitoring and a separate breach-response limit. Harper describes cyber as coverage for cleanup if systems or card payments get hacked, and starts quotes from an online checkbox for e-commerce operators. ^1,⁸

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

A Designed Policy Versus a Cleanup Description

Coalition designs its own cyber policy and lists first-party extortion, funds-transfer fraud, interruption, and a separate breach-response limit. Harper's homepage summarizes cyber as coverage for the cleanup if a business's systems or card payments get hacked; its e-commerce page adds data breaches, payment fraud, and customer-information exposure. That is a full product description versus a short cleanup pitch aimed at online retailers. Choose Coalition if you want a designed form plus monitoring; choose Harper if you are an online retailer that wants to start from a simple intake checkbox. ¹ ⁸ ⁷

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. ⁸Company-reported. Homepage quote-intake form.

Coalition is sold only through appointed brokers, not a public checkbox form. ⁵

Who the Pages Aim At

Harper positions cyber for online retailers, dropshippers, marketplace sellers, and DTC brands, while also listing it as a general line. Coalition does not publish a comparable e-commerce-only pitch; it underwrites through brokers across industries. If you are not an online seller, Harper's public cyber story may not be written for you. ⁷ ⁵

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

Ask Harper which insurer is quoting and what the form actually covers beyond cleanup language. ⁸
Ask Coalition for breach-response and main limits. ¹
Get Harper's limits and trigger; the pages publish none. ⁷

Coalition vs Harper Cyber Insurance Compared

Coalition vs Harper: Cyber Insurance: documented features by provider

Criteria	Coalition Active Cyber Insurance	Harper Cyber Insurance
Who It’s For	Coalition states that its admitted and surplus lines cyber policies are offered in all 50 states and Washington, D.C. ⁴Company-reported. Availability help article; eligibility for a particular business 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. ^7,⁸Company-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	You buy Coalition cyber through an appointed insurance broker. Underwriting considers industry, finances, operations and security posture. ⁵Company-reported. Qualification help article; restates the verified provider fact broker-application.	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. ⁸Company-reported. Homepage quote-intake form.
Coverage Features	Coalition says breach-response expenses have a separate limit, so response costs do not use up the limit for other coverages. ¹Company-reported. Product-page description; the issued policy and declarations control. Coalition lists pay-on-behalf cyber extortion coverage, funds transfer fraud and business interruption losses among its cyber coverages. ¹Company-reported. Product-page coverage highlights, subject to exclusions and the policy as issued.	Harper's homepage summarizes cyber insurance as coverage for the cleanup if a business's systems or card payments get hacked. ⁸Company-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. ⁷Company-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	Coalition designs and distributes its own cyber policy and pairs it with security monitoring and incident-response services. ¹Company-reported. U.S. Active Cyber Insurance for small and midsize businesses, as described on the product page.	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. ⁸Company-reported. Homepage 'What we cover' introduction and coverage list, where cyber is one of the enumerated lines.