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

Harper is a broker that starts from an online intake for online retailers; Resilience advertises limits up to $20 million with threat monitoring and attack simulations.

Resilience advertises cyber limits up to $20 million, an eCrime sublimit, and threat monitoring with in-house claims staff. Harper lets you start a quote from a homepage checkbox and describes hack cleanup for online sellers, without publishing limits or monitoring. ^3,²

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

Published Limits Versus an Open Quote

Resilience advertises cyber limits up to $20 million on a primary or excess basis and a separate eCrime sublimit of up to $500,000. Harper's reviewed pages do not publish limits, retentions or a claims-made versus occurrence trigger. Choose Resilience if you need a stated maximum and monitoring with the policy; choose Harper if you want to start a small-business quote online and will confirm limits later. ³ ²

Security Services and Claims Staff

Resilience says policyholders get threat monitoring from its Risk Operations Center, breach-and-attack simulations, and a 24/7 in-house claims team with a dedicated manager from triage through settlement. Harper describes calling insurers and presenting options; it does not describe monitoring or a dedicated claims bench for this line. ³ ⁵ ²

Who Can Apply

Resilience lists a long US industry appetite, including healthcare, financial services, manufacturing, retail, hospitality and technology, without a published revenue floor for cyber. Harper's detailed cyber copy is written for ecommerce sellers, though the homepage checkbox is available to any business that completes the intake. ³ ¹

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

Ask Resilience which Homeland entity would issue your policy; the disclosure names two possible underwriters. ⁴
Ask Harper which insurer it would actually present after the checkbox intake. ²
Ask Resilience whether the $20 million figure is available to your size of account or is a marketing maximum. ³
Confirm whether Resilience's extra-limit incident costs and Harper's ecommerce notification language would both apply to your breach-response plan. ³ ¹

Harper vs Resilience Cyber Insurance Compared

Harper vs Resilience: Cyber Insurance: documented features by provider

Criteria	Harper Cyber Insurance	Resilience 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.	Resilience markets US cyber insurance across industries including healthcare, higher education, financial institutions and services, manufacturing, construction, law firms, professional services, public entities, retail, hospitality, technology, life sciences, medical devices and pharmaceuticals. ³Company-reported. "Broad Market Appetite" availability table for the United States, accessed 2026-09-23; the table does not state a minimum revenue or company-size threshold for cyber (unlike the separate tech E&O appetite range).
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.	Resilience lists privacy wrongful-act coverage, eCrime coverage up to $500,000, coverage for incident costs that exceed the policy limit (such as legal, forensics and crisis communications), and funds-transfer-fraud recovery assistance among its cyber policy features. ³Company-reported. "Policy Coverage" section of the product page; actual insuring agreements, sublimits and exclusions are set by the issued policy.
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.	Resilience pairs a cyber insurance policy with security services such as threat monitoring and breach-and-attack simulations. In the US, the policy is placed by a distributor rather than underwritten by the Resilience brand itself. ³Company-reported. Cyber Insurance product page description of the combined offering, accessed 2026-09-23.

Criteria

Harper Cyber Insurance

Resilience 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.

Resilience markets US cyber insurance across industries including healthcare, higher education, financial institutions and services, manufacturing, construction, law firms, professional services, public entities, retail, hospitality, technology, life sciences, medical devices and pharmaceuticals. ³Company-reported. "Broad Market Appetite" availability table for the United States, accessed 2026-09-23; the table does not state a minimum revenue or company-size threshold for cyber (unlike the separate tech E&O appetite range).

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.

Resilience lists privacy wrongful-act coverage, eCrime coverage up to $500,000, coverage for incident costs that exceed the policy limit (such as legal, forensics and crisis communications), and funds-transfer-fraud recovery assistance among its cyber policy features. ³Company-reported. "Policy Coverage" section of the product page; actual insuring agreements, sublimits and exclusions are set by the issued policy.

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.

Resilience pairs a cyber insurance policy with security services such as threat monitoring and breach-and-attack simulations. In the US, the policy is placed by a distributor rather than underwritten by the Resilience brand itself. ³Company-reported. Cyber Insurance product page description of the combined offering, accessed 2026-09-23.