Harper vs 
Marsh: How Do They Compare for Cyber Insurance?
Marsh offers advisor-led placement and over $200 million of excess cyber capacity per client through Cyber ECHO; Harper is a broker with an online intake aimed at online retailers.
Marsh's Cyber ECHO excess facility can provide over $200 million of cyber capacity per client, with a free first reinstatement. Harper lets marketplace sellers start a cyber quote online by checking hacking, data breaches and card fraud. 4,2,1
What Are the Key Differences Between Harper and Marsh Cyber Insurance?
Nine-Figure Excess Versus an E-Commerce Checkbox
Marsh says Cyber ECHO can provide over $200 million of cyber capacity per client, with a free first reinstatement and a paid second reinstatement for separate events in a policy year. Harper describes calling the insurers that write cyber and presenting options, starting from an online checkbox for hacking, data breaches and card fraud aimed at online retailers, dropshippers and marketplace sellers. If a board asked for a large excess tower, Marsh is the documented number. If you dropship, Harper's intake is the closer published fit. Choose Marsh if you need more than $200 million of excess cyber capacity; choose Harper if you want that checkbox start. 4 1 2
Advisor-Led Placement Versus State-and-Revenue Fields
You engage a named Marsh or MMA cyber specialist; MMA acts as a carrier liaison with claims advocacy. Harper's intake asks for state, estimated annual revenue and a description of what the business does. There is no Marsh self-serve bind comparable to Harper's checkbox. 3 6 1
Forensic Accountants Versus Cleanup Copy
Marsh's specialists review cyber claims, support litigation management and work with forensic accountants on proof of loss. Harper's homepage summarizes cyber as cleanup if systems or card payments get hacked. 5 2
What Should You Confirm in Harper and Marsh Cyber Insurance Quotes?
Harper vs Marsh Cyber Insurance Compared
Harper vs Marsh: Cyber Insurance: documented features by provider
| Criteria | Harper Cyber Insurance | Marsh 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. | MMA says any company can benefit from cyber coverage, but prioritizes organizations that store significant customer data, run large customer databases or hold valuable digital assets. 6Company-reported. MMA cyber solutions FAQ; MMA describes its own client base as middle-market organizations generally. |
| 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. | You engage a named Marsh or MMA cyber specialist to design a placement; the reviewed pages describe advisor-led placement and risk analytics rather than an online self-serve quote. 3,6Company-reported. Marsh and MMA cyber pages, which list dedicated cyber brokerage and placement leaders. |
| 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. | MMA lists incident investigation and response costs, network interruption/extra expense, extortion and ransomware payments, data restoration, and security and privacy liability as core cyber coverages, with media liability, privacy regulatory defense and reputation-based income loss available as additional coverages. 6Company-reported. MMA cyber solutions page; actual policy wording and insurer vary by placement. |
| 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. | Marsh's cyber risk practice places and advises on cyber insurance brokerage; it does not underwrite the policies it places. 3Company-reported. Marsh corporate cyber insurance product page. Marsh McLennan Agency (MMA), Marsh's middle-market subsidiary, places cyber coverage and acts as a carrier liaison, combining placement with claims advocacy. 6Company-reported. MMA cyber solutions page. |
