Harper vs 
Risklytics: How Do They Compare for Cyber Insurance?
Harper starts quotes from an online intake for online retailers; Risklytics places cyber for robotics and AI firms and notes contracts often ask for $1 million or more.
Risklytics lets you apply online, says there is no broker fee on top of premium, and reads whether prompt-injection or model leaks are covered before binding. Harper starts from a homepage checkbox aimed at hacking and card fraud, with extra copy for ecommerce sellers. 5,4,2
What Are the Key Differences Between Harper and Risklytics Cyber Insurance?
Online Application and Extra Fees
Risklytics starts Cyber Liability through an online application and says there is no broker fee on top of the premium; the carrier pays its commission from that premium. Harper also starts online, but through a homepage checkbox rather than a dedicated application, and it does not publish a fee schedule. Choose Risklytics if you want an online cyber application with a stated no-extra-fee model; choose Harper if a short homepage intake is enough. 5 2
When Each Page Says You Need Coverage
Risklytics says companies typically need this coverage the first time they hold customer data in production, and that enterprise and government contracts require it once a vendor touches their data. Harper positions cyber as relevant to online retailers and also as a general checkbox for any business completing the intake. 3 1
AI Wording Versus Card-Fraud Cleanup
Risklytics says whether a prompt-injection attack or a model leaking data is covered depends on policy wording it reads before binding. Harper's homepage describes cleanup if systems or card payments get hacked, without an AI-wording review. 3 2
What Should You Confirm in Harper and Risklytics Cyber Insurance Quotes?
- Ask Risklytics which specialist insurer would sit on your policy; the site does not name one. 4
- Ask Harper which carriers it would present after the checkbox intake. 2
- If contracts ask for $1 million or more, confirm whether Risklytics can place that typical ask for your risk. 3
- Get Harper to say whether model-output incidents without a breach would be excluded, since its copy assumes a hack or card event. 2
Harper vs Risklytics Cyber Insurance Compared
Harper vs Risklytics: Cyber Insurance: documented features by provider
| Criteria | Harper Cyber Insurance | Risklytics Cyber Liability 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. | Risklytics says companies typically need this coverage the first time they hold customer data in production, and that enterprise and government contracts require it once a vendor touches their data. 3Company-reported. Lines page. |
| 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 Risklytics Cyber Liability Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. 5,4Company-reported. Pricing page describes the general application and fee process, not a line-specific form. |
| 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. | Risklytics describes Cyber Liability as paying for breach cleanup, legally required notifications, and the claims that follow a hack or data leak, such as a ransomware attack or exfiltrated customer records, and says it does not respond to a model giving bad output with no breach involved. 3Company-reported. Lines page; the issued policy and declarations control actual coverage. |
| 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. | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Cyber Liability Insurance with outside carriers; it says it does not underwrite policies itself. 4Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line. |
