Harper vs 
The Hartford: How Do They Compare for Cyber Insurance?
The Hartford sells cyber as a business owner's policy endorsement or CyberChoice, with data breach coverage averaging $320 a year; Harper is a broker that starts quotes from an online intake.
The Hartford sells cyber as a BOP endorsement, standalone CyberChoice First Response, or FailSafe Technology E&O, and reports about $320 a year on average for data-breach coverage. Harper is a broker: you check a homepage box and it presents insurer options rather than issuing a named product. 3,2
What Are the Key Differences Between Harper and The Hartford Cyber Insurance?
A Named Product Menu Versus Broker Options
The Hartford underwrites cyber three ways: a Data Breach and Cyber Virus and Malware endorsement on a Business Owner's Policy, standalone CyberChoice First Response for non-technology businesses, or FailSafe Technology E&O for technology firms. Harper describes calling the insurers that write cyber and presenting options, not issuing a policy itself. Choose The Hartford if you want a named Hartford product, including a BOP add-on; choose Harper if you want a broker to shop outside carriers from an online intake. 3 2
Average Price and Policyholder Tools
The Hartford reports customers pay about $320 a year on average for data-breach coverage and gives policyholders 24/7 Cyber Center access for training, attorney consultation and vendor-contract review. Harper does not publish a cyber price and does not describe a comparable policyholder service center. 3 2
Third-Party Lawsuits After a Breach
The Hartford says it does not offer separate third-party cyber coverage and that those claims may fall under its general liability grant instead. Harper's ecommerce FAQ mentions notification, credit monitoring and certain regulatory expenses, without saying how a customer lawsuit would be treated. 3 1
What Should You Confirm in Harper and The Hartford Cyber Insurance Quotes?
- Ask The Hartford which of the three structures it would actually quote for your operations. 3
- Ask Harper which outside insurer would issue the policy after it presents options. 2
- If you need customers to sue you after a breach, ask The Hartford how that would sit on general liability versus cyber. 3
- Confirm The Hartford's $320 average is for the endorsement you would buy, not a different product. 3
Harper vs The Hartford Cyber Insurance Compared
Harper vs The Hartford: Cyber Insurance: documented features by provider
| Criteria | Harper Cyber Insurance | The Hartford 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. | The Hartford says cyber coverage is relevant to businesses that use the internet in operations, maintain a website, store private client data, or accept digital payments. 3Company-reported. Cyber insurance product page as read 2026-09-23. |
| 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. | The Hartford lists covered expenses after a cyber event: incident response (legal, forensic investigation, public relations), cyber extortion/ransom payments and negotiation, data recovery, system/network restoration, lost income from business interruption, customer notification and credit monitoring, and regulatory-inquiry defense and fines. The Hartford does not offer separate third-party cyber coverage; that risk may instead fall within its general liability grant. 3Company-reported. Cyber insurance product page as read 2026-09-23. General coverage description; the issued policy controls. |
| 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. | The Hartford sells cyber coverage three ways depending on complexity: as an endorsement (Data Breach and Cyber Virus and Malware) added to a Business Owner's Policy, as stand-alone CyberChoice First Response for non-technology businesses with more complex risk, or as FailSafe Technology Errors and Omissions for technology businesses. 3Company-reported. Cyber insurance product page as read 2026-09-23. |
