Coverdash vs Harper Cyber Insurance

Coverdash arranges cyber coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. ^3,4Company-reported. General brokerage terms applied to the cyber page; not specific to any one carrier or state.

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. ⁹Company-reported. Homepage 'What we cover' introduction and coverage list, where cyber is one of the enumerated lines.

The cyber page does not name the insurer that issues the policy. ⁴Not publicly disclosed. Reviewed cyber page as of 2026-09-23; the page describes coverage without naming a specific carrier.

Harper's public pages do not name the insurer or insurers that would underwrite a cyber policy; the homepage shows an unlabeled panel of insurer logos it says it works with, without listing carriers for cyber specifically. ⁹Not publicly disclosed. Checked the homepage insurer-logo panel and eCommerce industry page on 2026-09-23.

Coverdash markets cyber coverage to any business that collects data, takes payments online, or relies on software, regardless of industry. ⁴Company-reported. Product-page eligibility description; actual acceptance 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. ^8,9Company-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.

Coverdash describes cyber coverage as including data-breach response (notification, credit monitoring and forensics), ransomware (negotiation and restoring systems), business-interruption income loss during an attack-driven outage, and legal defense and settlements for lawsuits after a data exposure. ⁴Company-reported. Product-page coverage cards; the issued policy and declarations control actual wording, limits and exclusions.

Harper's homepage summarizes cyber insurance as coverage for the cleanup if a business's systems or card payments get hacked. ⁹Company-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. ⁸Company-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.

The cyber page does not publish specific limit, retention or deductible amounts, or a separate sub-limit for ransomware versus breach-response costs. ⁴Not publicly disclosed. Reviewed cyber page as of 2026-09-23; figures are quote-specific and not shown on the public product page.

The reviewed pages do not publish cyber policy limits, retentions or a claims-made versus occurrence trigger; the eCommerce page's cost FAQ discusses eCommerce insurance overall rather than cyber coverage alone, so it is not used as a cyber-specific figure here. ^9,8Not publicly disclosed. Checked the homepage and eCommerce industry page on 2026-09-23.

The reviewed cyber page does not describe security-monitoring or other risk-management services made available to policyholders; it describes only post-incident response coverage. ⁴Not found in reviewed sources. Cyber product page as read on 2026-09-23.

Not described in the reviewed sources.

Coverdash describes a fully digital quote-to-purchase process for cyber coverage, with the option to add other coverages alongside it. ⁴Company-reported. Product-page company information and cross-sell section.

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. ⁹Company-reported. Homepage quote-intake form.