Harper vs HUB International: How Do They Compare for Cyber Insurance?

Harper starts cyber quotes in an online intake for online retailers; HUB International sends you to a broker or cyber specialist and describes no online quote.

Harper lets online retailers, dropshippers and marketplace sellers start by checking hacking, data breaches and card fraud. HUB brokers cyber through specialists, lists response costs such as privacy counsel and forensics, and cites that 85 percent of data-breach insurance claims come from small to midsize businesses. ^2,³

What Are the Key Differences Between Harper and HUB International Cyber Insurance?

A Checkbox Intake Versus a Specialist Assessment

Harper describes calling the insurers that write cyber and presenting options, and you can start online by selecting hacking, data breaches and card fraud plus state, revenue and a business description. HUB brokers cyber rather than underwriting it and directs you to a broker or its cyber specialists for a policy assessment; no online quote is described. Choose Harper if you want that checkbox start today; choose HUB if you want a specialist assessment without a self-serve bind. ¹ ² ³

Marketplace Sellers Versus Any Network That Stores Data

Harper positions cyber for online retailers, dropshipping businesses, marketplace sellers and private-label or direct-to-consumer brands. HUB frames it as relevant to any business that stores data on a network, without a narrower industry list. If you dropship, Harper named you. If you store data but do not sell online, HUB's frame is broader. ¹ ³

Cleanup Copy Versus Six-Figure Response Costs

Harper's homepage summarizes cyber as paying for the cleanup if systems or card payments get hacked. HUB lists privacy attorney services, IT forensic investigation, state breach-notification compliance, credit monitoring and crisis PR, and argues that response costs following a breach can reach six figures. That argument is not a limit. ² ³

What Should You Confirm in Harper and HUB International Cyber Insurance Quotes?

Ask Harper which insurer sits behind the unlabeled logo panel. ²
Ask HUB which carrier would issue the policy. ³
Ask both for limits. ² ³

Harper vs HUB International Cyber Insurance Compared

Harper vs HUB International: Cyber Insurance: documented features by provider

Criteria	Harper Cyber Insurance	HUB International Cyber Insurance Brokerage
Who It’s For	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. ^1,²Company-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.	HUB frames cyber insurance as relevant to any business that stores data on a network, without publishing a narrower eligibility list by size or industry on this page. ³Company-reported. Product-page framing; not a published underwriting appetite.
How to Apply	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. ²Company-reported. Homepage quote-intake form.	HUB directs you to a broker or its cyber specialists for a policy assessment; no online quote is described. ³Company-reported. Product-page call to action as read 2026-09-23.
Coverage Features	Harper's homepage summarizes cyber insurance as coverage for the cleanup if a business's systems or card payments get hacked. ²Company-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. ¹Company-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.	HUB lists cyber coverage it arranges as privacy attorney services, IT forensic investigation, state breach-notification compliance costs, credit monitoring for affected individuals, crisis PR engagement, regulatory fines and class-action defense from a data breach. ³Company-reported. Product-page coverage list; the issued policy and its exclusions control an actual claim. HUB cites statistics that data-privacy attacks occur roughly every 40 seconds in the U.S., that 85% of data-breach insurance claims come from small to midsize businesses, and that two-thirds of breaches are tied to third-party IT vendors, to explain why it recommends cyber coverage. ³Company-reported. Product-page statistics are company-cited industry figures, not independently verified by us and not HUB-specific claims data.
Role in This Line	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. ²Company-reported. Homepage 'What we cover' introduction and coverage list, where cyber is one of the enumerated lines.	HUB brokers cyber insurance rather than underwriting the coverage itself, and connects clients with cyber insurance specialists for a policy assessment. ³Company-reported. Cyber insurance product page as read 2026-09-23; the page does not name an issuing insurer.