Harper vs 
Lockton Cyber Insurance
Lockton names a 100-plus-person cyber team and a named contact; Harper's cyber quote starts with a self-serve homepage checkbox.
What Is Harper Insurance?
Harper is a commercial insurance brokerage for businesses with complex risks. Its specialists use AI tools to gather information, seek quotes from insurers and help customers manage coverage. 1,2
What Is Lockton?
Lockton is a privately held insurance brokerage that arranges commercial risk, employee benefits and retirement programs. US pages describe a technology practice and intermediary placement with insurers, not Lockton as the policy’s insurer. 5,6,7
What Is Cyber Insurance?
Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. 9
Key Differences in Cyber Insurance
Self-Serve Intake Versus a Named Team
Harper's cyber quote begins with a homepage checkbox for "Hacking, data breaches, card fraud (cyber)," alongside state, revenue and a business description, with no named contact. 4 Lockton instead lists a named contact and a dedicated email for its cyber practice:
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. 8Company-reported. Cyber & Technology page as read 2026-09-23.
Scope of Services
Lockton describes services beyond placement: reviewing a client's cybersecurity posture, running incident-response exercises, and helping design security governance frameworks, delivered by a team it says has over 100 Associates. 8 Harper's cyber pages describe the coverage itself, breach response and payment-fraud cleanup, but do not describe a comparable pre-bind security-review service. 4
Who Each Page Targets
Harper's cyber content centers on online retailers, dropshipping businesses, marketplace sellers and direct-to-consumer brands, alongside a general checkbox on its homepage. 3 Lockton's technology practice instead names electronic hardware, information technology, internet, medical equipment, semiconductors, software and telecommunications as the industries it works with. 6
What to Confirm in Cyber Insurance Quotes
- Ask Lockton whether its three-step Inform, Improve, Insure process applies to a business your size, or only larger technology accounts. 8
- Ask Harper which outside carrier would underwrite your policy once it presents options. 4
- Neither company names an issuing insurer on the reviewed pages; ask Lockton the same question. 8
- Neither company publishes cyber limits or retentions on the reviewed pages; request both directly. 4
Offering Details
Harper vs Lockton Cyber Insurance: documented features by provider
| Criteria | Harper Cyber Insurance | Lockton Cyber & Technology Insurance Brokerage |
|---|---|---|
| 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. 4Company-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. 8Company-reported. Cyber & Technology product page as read 2026-09-23. |
| Issuing Insurer | 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. | Lockton says it has built alliances with cybersecurity firms and insurer partners, but the reviewed pages do not name specific cyber insurers or which carrier would issue a given client's policy. 8Not publicly disclosed. Cyber & Technology page checked 2026-09-23. |
| 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. 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. | 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. 6Company-reported. Technology industry page as read 2026-09-23. No minimum company size or revenue threshold was published. |
| Coverage Features | 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. | Not described in the reviewed sources. |
| Limits and Retentions | 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. | Not described in the reviewed sources. |
| Risk Services | Not described in the reviewed sources. | Lockton describes services beyond placement: reviewing a client's cybersecurity posture, running incident-response exercises, and helping design security governance frameworks and cyber-hygiene policies, delivered by a team it says has over 100 Associates specializing in cyber risk. 8Company-reported. Cyber & Technology product page as read 2026-09-23. |
| 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. 4Company-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. 8Company-reported. Cyber & Technology page as read 2026-09-23. |
Full Comparison
More Harper vs Lockton Comparisons
Other Cyber Insurance Comparisons
Sources
Harper
- Text Messaging Terms and Conditions. Harper Global Enterprises Inc.; Effective August 24, 2026; sections 1–3 (entity, consent and service messages), 5 (message costs), 9 (delivery) and 11 (coverage confirmation). Accessed 2026-09-15.
- We're Announcing $47M to Build the Insurance Company Every Business Deserves. Harper / Dakotah Rice; February 26, 2026 article: brokerage identity; AI-assisted submissions and follow-ups; 24–48-hour coverage statement; more than 165 underwriters; plans for additional direct appointments. Accessed 2026-09-15.
- eCommerce Insurance. Harper; Know your coverage: What is eCommerce insurance?; Cyber Protection callout; Who this is for; Why Harper; FAQ 'Does insurance cover data breaches or hacking?'. Accessed 2026-09-23.
- Harper Homepage. Harper; What we cover: 'Cyber insurance — If your systems or card payments get hacked, this covers the cleanup.'; quote-intake checkbox 'Hacking, data breaches, card fraud (cyber)'. Accessed 2026-09-23.
Lockton
- Lockton United States. Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
- Technology. Lockton; Unique expertise in Cyber Liability; industries served (electronic hardware, information technology, internet, medical equipment, semiconductors, software, telecommunications). Accessed 2026-09-23.
- US Terms of Business. Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
- Cyber & Technology. Lockton; A Custom Approach; The Lockton Difference; Inform, Improve, and Insure three-step approach; team of over 100 Associates; contact cyber@lockton.com. Accessed 2026-09-23.
Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
