Harper vs Hiscox Cyber Insurance

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. ⁴Company-reported. Homepage 'What we cover' introduction and coverage list, where cyber is one of the enumerated lines.

Hiscox Inc. sells cyber insurance directly online as a standalone product for small businesses, separate from its business owner's policy, which also offers an optional cyber add-on. ⁸Company-reported. Company-stated standalone small-business cyber product; the BOP cyber add-on is a distinct package option described on a different page.

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. ⁴Not publicly disclosed. Checked the homepage insurer-logo panel and eCommerce industry page on 2026-09-23.

Hiscox's appetite guide and About Hiscox US page name Hiscox Insurance Company Inc. (NAIC 10200) as the underwriter of admitted Hiscox NOW cyber policies. ^10,7Company-reported. Admitted small-business cyber coverage as described in company materials; the exact contracting entity for a particular state or channel should be confirmed on the quote.

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. ^3,4Company-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.

Hiscox markets cyber insurance to small businesses broadly and specifically to IT and technology consultants, describing itself as customizing coverage for the technology sector's data-handling and security exposures. ^8,9Company-reported. Company-stated audience across the standalone cyber page and the IT-insurance page.

Harper's homepage summarizes cyber insurance as coverage for the cleanup if a business's systems or card payments get hacked. ⁴Company-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. ³Company-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.

Hiscox describes cyber coverage as responding to data breaches, cyberattacks and related losses, and its IT-insurance page shows an illustrative breach-response example describing notification and related costs after a data incident. ^8,9Company-reported. Product-page description; the illustrative example is explicitly a hypothetical scenario, not a specific limit or claim outcome, and actual coverage terms are set by the issued policy.

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. ^4,3Not publicly disclosed. Checked the homepage and eCommerce industry page on 2026-09-23.

The cyber product page does not publish standard limit, retention or deductible amounts; figures shown elsewhere on the site are illustrative examples rather than quotes. ⁸Not publicly disclosed. Public product page as previously reviewed.

Not described in the reviewed sources.

The reviewed cyber product page does not describe ongoing security-monitoring or risk-prevention services made available to policyholders; it describes post-incident breach-response coverage rather than a monitoring service. ⁸Not found in reviewed sources. Standalone cyber product page as previously reviewed.

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. ⁴Company-reported. Homepage quote-intake form.

Hiscox says eligible buyers can get a cyber insurance quote online, with a licensed-agent phone line available for questions during the process. ⁸Company-reported. Company-described online application; eligibility and binding conditions require confirmation on the actual application.