Harper vs 
Mylo: How Do They Compare for Cyber Insurance?
Both are brokers: Harper's online intake is aimed at online retailers, while Mylo compares carriers and says cyber can often be added to a business owner's policy.
Mylo brokers cyber by comparing quotes from multiple carriers and says it can often be added to a BOP depending on the carrier. Harper lets online retailers, dropshippers and marketplace sellers start by checking hacking, data breaches and card fraud. 3,1,2
What Are the Key Differences Between Harper and Mylo Cyber Insurance?
A BOP Add-On Versus a Marketplace Checkbox
Mylo brokers cyber by comparing quotes from multiple carriers rather than underwriting the policy, and says cyber can often be added to a Business Owner's Policy alongside general liability, commercial property and business interruption. Harper describes calling the insurers that write cyber and presenting options, starting from an online checkbox for hacking, data breaches and card fraud. Choose Mylo if you already buy a BOP through Mylo and want a carrier-dependent add-on quote; choose Harper if you sell on a marketplace or dropship and want that checkbox intake. 3 1 2
Credit-Card Businesses Versus Dropshippers
Mylo markets cyber to businesses that take credit cards or store customer information, citing its own figure that more than two-thirds of small businesses have experienced a cyberattack. Harper positions the line for online retailers, dropshipping businesses, marketplace sellers and private-label or direct-to-consumer brands. Card data is Mylo's trigger. Marketplace selling is Harper's. 3 1
Non-Legal Cost Buckets Versus Cleanup Copy
Mylo separates what cyber pays into non-legal costs such as breach investigation, notification and data restoration, and legal or regulatory costs such as defense and fines. Harper's homepage summarizes cyber as paying for the cleanup if systems or card payments get hacked. Those descriptions are not the same form. 3 2
What Should You Confirm in Harper and Mylo Cyber Insurance Quotes?
Harper vs Mylo Cyber Insurance Compared
Harper vs Mylo: Cyber Insurance: documented features by provider
| Criteria | Harper Cyber Insurance | Mylo Cyber Insurance |
|---|---|---|
| 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. | Mylo markets cyber insurance to businesses that take credit cards or store customer information, citing its own figure that more than two-thirds of small businesses have experienced a cyberattack. 3Company-reported. Cyber insurance product page; a company-reported statistic, not independently verified. |
| 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. | Mylo says cyber coverage can pay non-legal costs (breach investigation, customer notification, crisis-management and PR help, lost income, ransom reimbursement, and data restoration) as well as legal and regulatory costs, including defense and fines from a regulator such as HIPAA or from lawsuits by people affected by a breach. 3Company-reported. Cyber insurance product page; the issued policy and its exclusions control. Mylo names hacking and social-engineering attacks (such as spear phishing), employee or partner data errors and misuse, and malware or ransomware as the cyber threats this coverage is designed to address. 3Company-reported. Cyber insurance product page. Mylo says cyber insurance can often be added to a Business Owner's Policy depending on the carrier, alongside general liability, commercial property and business interruption. 3Company-reported. Cyber insurance product page "Add cyber to your Business Owner's Policy (BOP)" section. |
| 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. | Mylo brokers cyber insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. 3Company-reported. Cyber insurance product page. |
