Harper vs 
TechInsurance: How Do They Compare for Cyber Insurance?
TechInsurance reports a median of $129 a month and lists exclusions; Harper starts from an online intake with a hacking and card-fraud checkbox.
TechInsurance says its cyber policyholders pay a median of about $129 a month and often bundle the coverage with technology E&O. Harper lets you start a quote from a homepage checkbox and describes hack cleanup for online sellers, without publishing a premium or a tech-E&O bundle. 3,2
What Are the Key Differences Between Harper and TechInsurance Cyber Insurance?
A Published Median Price Versus None
TechInsurance reports a median of $129 per month, about $1,552 a year, from its own cyber book, with premium varying by headcount, data volume, claims history, deductible and limits. Harper's pages do not publish a cyber premium, limit or retention. Choose TechInsurance if you want a published median price and a same-day certificate after you buy; choose Harper if you prefer a short homepage intake and will price the policy at quote time. 3 2
Bundled Tech E&O or Standalone Cleanup
TechInsurance describes cyber as a standalone policy that is often bundled with technology errors and omissions. Harper describes calling insurers that write cyber and presenting options, without a published tech-E&O package for this line. 3 2
First-Party Versus Third-Party Split
TechInsurance splits first-party costs (breach response, extortion, business interruption, data recovery) from third-party costs (legal fees, fines, reputation management, settlements). Harper's ecommerce page lists breaches, payment fraud, hacking, notification and credit monitoring without that labeled split. 3 1
What Should You Confirm in Harper and TechInsurance Cyber Insurance Quotes?
- Ask TechInsurance which carriers would quote you; the product page does not name an issuer. 3
- Ask Harper which insurers it would call after you check the cyber box. 2
- Treat TechInsurance's $129 median as book-level context, not your quote; get the actual premium in writing. 3
- Ask TechInsurance whether professional-negligence claims unrelated to a breach would be pushed to E&O instead of cyber. 3
Harper vs TechInsurance Cyber Insurance Compared
Harper vs TechInsurance: Cyber Insurance: documented features by provider
| Criteria | Harper Cyber Insurance | TechInsurance 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. | TechInsurance targets cyber liability at small businesses handling sensitive data, naming IT and technology professionals, retail, healthcare, financial services, real estate, and media and advertising businesses as example segments. 3Company-reported. Who needs cyber liability insurance section of the product 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 request cyber liability quotes online through a short application describing your business; TechInsurance says a licensed agent is available to help and that a certificate of insurance is typically available the same day you buy a policy. 3Company-reported. Cyber liability product page application and certificate sections. |
| 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. | TechInsurance splits cyber liability into first-party coverage (data breach response, cyber extortion payments, business interruption, data recovery) and third-party coverage (legal fees, regulatory fines, reputation management, settlements and court-ordered damages) for claims a client brings against the business. 3Company-reported. Cyber liability product page; coverage described in general terms, not a specific policy form. TechInsurance says cyber liability insurance does not cover professional negligence claims unrelated to a breach, physical damage to electronic devices, or data loss from physical damage to hardware, and points buyers to errors and omissions or a business owner's policy for those gaps. 3Company-reported. What isn't covered by cyber liability insurance section of the product page. |
| 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. | TechInsurance arranges cyber liability insurance as a standalone policy and describes it as often bundled with technology errors and omissions coverage in a combined tech E&O package. 3Company-reported. Cyber liability product page. |
