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

Both are brokers: Harper starts from an online intake aimed at online retailers, while Newfront starts with a consultation and uses modeling data to guide limits.

Harper lets you begin a cyber quote online by checking hacking and card-fraud coverage, with detail aimed at online sellers. Newfront starts with a consultation from a named cyber practice and says it models limits against your exposure rather than posting figures. ^2,³

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

Start Online or Start With a Consultation

You can open a Harper cyber quote from the homepage by checking hacking, data breaches and card fraud, then adding your state, revenue and a short business description. Newfront instead asks you to request a consultation with its Cyber Risk practice. Choose Harper if you want to start a cyber quote yourself online; choose Newfront if you want a broker to run the placement. ² ³

How Limits Get Set

Newfront says its technology team uses proprietary modeling data to pick limits that match your exposure and tolerance, but it does not publish those figures. Harper's pages do not describe a modeling step; they also omit published limits and retentions. ³ ²

What Each Page Says the Policy Covers

Harper's ecommerce page frames cyber as cleanup after systems or card payments get hacked, plus notification, credit monitoring and some regulatory expenses for online sellers. Newfront lists a broader menu: cyber liability, data breach, technology E&O, business interruption, network security liability, and cyber extortion and ransomware. ¹ ³

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

Ask both which insurer would issue your policy; neither page names a carrier. ² ³
Ask Newfront what its modeling would recommend for your revenue, data types and contract limits. ³
If you are not an online retailer, ask Harper whether the ecommerce coverage description still applies. ¹
Ask Newfront what hands-on claims consultation includes before and after a breach. ³

Harper vs Newfront Cyber Insurance Compared

Harper vs Newfront: Cyber Insurance: documented features by provider

Criteria	Harper Cyber Insurance	Newfront Cyber Risk Insurance
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 start a cyber placement by requesting a consultation through Newfront's Cyber Risk page, which is led by Jennifer Wilson, Head of the Cyber Practice. ³Company-reported. Cyber Risk page call-to-action and Leadership section; no online quoting or binding described.
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.	Newfront lists Cyber Liability Insurance, Data Breach Insurance, Technology Errors and Omissions (E&O), Business Interruption, Network Security Liability, and Cyber Extortion and Ransomware Coverage among its cyber Key Coverages. ³Company-reported. Cyber Risk page Key Coverages list; the page treats technology E&O as part of the same practice.
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.	Newfront's Cyber Risk practice brokers cyber coverage: it assesses risk, negotiates coverage and placement, and provides claims consultation. It does not underwrite the policy itself. ³Company-reported. Cyber Risk offering page.

Criteria

Harper Cyber Insurance

Newfront Cyber Risk Insurance

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 start a cyber placement by requesting a consultation through Newfront's Cyber Risk page, which is led by Jennifer Wilson, Head of the Cyber Practice. ³Company-reported. Cyber Risk page call-to-action and Leadership section; no online quoting or binding described.

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.

Newfront lists Cyber Liability Insurance, Data Breach Insurance, Technology Errors and Omissions (E&O), Business Interruption, Network Security Liability, and Cyber Extortion and Ransomware Coverage among its cyber Key Coverages. ³Company-reported. Cyber Risk page Key Coverages list; the page treats technology E&O as part of the same practice.

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.

Newfront's Cyber Risk practice brokers cyber coverage: it assesses risk, negotiates coverage and placement, and provides claims consultation. It does not underwrite the policy itself. ³Company-reported. Cyber Risk offering page.