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

Lockton is a broker for tech sectors that quantifies exposure first; Harper starts quotes from an online intake pitched at online retailers and marketplace sellers.

Lockton pairs cyber placement with exposure analysis and security recommendations, reached through a named EVP and a published team email. Harper lets online retailers start by checking hacking, data breaches and card fraud, then presents insurer options. ^3,²

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

Inform, Improve, Insure Versus a Checkbox Intake

Lockton brokers cyber under Inform, Improve, Insure: quantify financial exposure, recommend security improvements, then negotiate terms with insurers. You reach that team through a named EVP, US Cyber and Technology Leader, and a published cyber email. Harper describes calling the insurers that write cyber and presenting options, starting from an online checkbox for hacking, data breaches and card fraud. Choose Lockton if you want exposure analysis before anyone shops a market; choose Harper if you sell online and want that checkbox start. ³ ¹ ²

Semiconductors Versus Marketplace Sellers

Lockton's technology practice names electronic hardware, information technology, internet, medical equipment, semiconductors, software and telecommunications. Harper positions cyber for online retailers, dropshipping businesses, marketplace sellers and private-label or direct-to-consumer brands. Those lists barely overlap. ⁴ ¹

A Hundred Associates Versus Cleanup Copy

Lockton describes more than 100 associates reviewing cybersecurity posture, running incident-response exercises and helping design governance frameworks. Harper's homepage summarizes cyber as paying for the cleanup if systems or card payments get hacked. Harper does not publish a comparable exercise bench. ³ ²

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

Ask Lockton which insurer it would negotiate with. ³
Ask Harper which insurer sits behind the unlabeled logo panel. ²
Ask Lockton what Inform and Improve work would precede placement. ³

Harper vs Lockton Cyber Insurance Compared

Harper vs Lockton: Cyber Insurance: documented features by provider

Criteria	Harper Cyber Insurance	Lockton Cyber & Technology 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.	Lockton's technology practice says it works with clients in electronic hardware, information technology, internet, medical equipment, semiconductors, software and telecommunications, and highlights cyber liability as a core exposure for those industries. ⁴Company-reported. Technology industry page as read 2026-09-23. No minimum company size or revenue threshold was published.
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.	The Cyber & Technology page lists a named contact (its EVP, U.S. Cyber & Technology Leader) and the email cyber@lockton.com as the way to reach the team, rather than a self-serve online quote tool. ³Company-reported. Cyber & Technology page as read 2026-09-23.
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.	Lockton brokers cyber insurance and pairs placement with its own risk-management advice under a three-step Inform, Improve, Insure approach: quantifying cyber financial exposure, recommending security improvements, then negotiating coverage terms with insurers. ³Company-reported. Cyber & Technology product page as read 2026-09-23.