Harper vs RiskCube Cyber Insurance

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.

RiskCube compares cyber policies across carriers and describes itself as an independent brokerage rather than the underwriter of the policy. ⁸Company-reported. Cyber product page footer and overall framing of RiskCube's AI agents and licensed brokers comparing carrier options.

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.

RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including cyber, are underwritten and issued by third-party carriers it does not name; the cyber page itself does not identify an issuing insurer. ^7,8Company-reported. Company-wide entity and licensing disclosure and the cyber product page as read on 2026-09-23.

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.

RiskCube targets cyber coverage at AI and data companies, cloud/DevOps platforms, payment processors, defense startups handling controlled unclassified information, and SOC 2-bound or PII/PHI-handling companies. ⁸Company-reported. Cyber product page "Who needs cyber insurance" section.

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.

RiskCube describes cyber coverage as combining first-party costs such as breach response, ransomware negotiation, forensics and data or asset recovery, with third-party liability for claims by customers, regulators, vendors or partners. ⁸Company-reported. Cyber product page "What is Cyber Liability Insurance" and "What's covered" sections.

RiskCube says it places cyber programs with affirmative AI coverage for agentic-AI incidents and training-data or model-security issues, and layers AI-specific wrap coverage on top when primary cyber or Tech E&O policies exclude AI risk. ⁸Company-reported. Cyber product page "Cyber coverage built for AI and agentic companies" section.

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.

RiskCube says needed cyber limits depend on enterprise contract requirements, customer data exposure and revenue, but does not publish specific limit or retention amounts on the product page. ⁸Not publicly disclosed. Cyber product page "How much cyber insurance do startups usually purchase" FAQ.

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.

RiskCube describes a roughly 10-minute digital intake, then its AI agents and licensed brokers comparing carrier quotes, typically delivering cyber quotes and a vendor-ready certificate of insurance within about 24 hours. ⁸Company-reported. Cyber product page process steps and "How fast can startups get cyber insurance quotes" FAQ.

Not described in the reviewed sources.

The reviewed cyber page does not describe claims handling or a dedicated claims team for this line. ⁸Not found in reviewed sources. Cyber product page as read on 2026-09-23.