Harper vs 
Travelers: How Do They Compare for Cyber Insurance?
Travelers underwrites CyberRisk Tech for technology and life-sciences companies through independent agents; Harper is a broker with an online intake aimed at online retailers.
Travelers underwrites CyberRisk Tech for technology and life-sciences firms and can combine cyber with technology E&O in one policy, plus no-cost Cyber Risk Services. Harper brokers coverage from a homepage checkbox and describes hack cleanup for ecommerce sellers rather than a tech-sector product. 3,2
What Are the Key Differences Between Harper and Travelers Cyber Insurance?
A Tech-Sector Policy Versus a Broker Intake
Travelers underwrites CyberRisk Tech for technology and life-sciences companies and lets you choose cyber, technology E&O, or both in the same policy. Harper is a broker: it calls insurers that write cyber and presents options after you check a homepage box. Choose Travelers if you are a technology or life-sciences company that wants one scalable policy with optional tech E&O; choose Harper if you sell online and want a broker to shop a quote from a short intake. 3 2
Monitoring Included With the Policy
Travelers includes Cyber Risk Services at no additional cost for eligible cyber policyholders: a 24/7 dashboard, continuous threat monitoring, pre-breach consultation, and post-breach support with a breach coach. Harper's pages describe cleanup after a hack and do not describe monitoring bundled with the policy. 3 2
How You Buy
CyberRisk Tech is bought through a Travelers independent agent or Travelers representative. Harper lets you start yourself online with state, revenue and a business description. 3 2
What Should You Confirm in Harper and Travelers Cyber Insurance Quotes?
- Ask whether your company fits Travelers' technology and life-sciences audience, including intellectual property or clinical data. 3
- Ask Harper which carrier it would present if you are not an ecommerce seller. 1
- Confirm whether Travelers' Cyber Risk Services apply to the policy form you are quoted. 3
- Treat Travelers' nearly 20% claim-frequency statistic as company-reported; ask how it was measured before relying on it. 3
Harper vs Travelers Cyber Insurance Compared
Harper vs Travelers: Cyber Insurance: documented features by provider
| Criteria | Harper Cyber Insurance | Travelers CyberRisk Tech |
|---|---|---|
| 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. | Travelers targets CyberRisk Tech at technology and life-sciences companies, citing their reliance on digital systems and sensitive data, including intellectual property and patient or clinical information. 3Company-reported. Product page introduction. |
| 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. | CyberRisk Tech is bought through a Travelers independent agent or Travelers representative. 3Company-reported. Product page "Consult your insurance agent about cyber insurance for technology and life sciences" section. |
| 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. | Travelers says CyberRisk Tech includes technology errors and omissions, privacy and security, media and regulatory proceedings liability insuring agreements, plus breach response, cybercrime and business loss (first-party) coverages such as forensic investigations, public relations costs, business interruption loss and cyber extortion costs. 3Company-reported. Product page "How does CyberRisk tech coverage mitigate cyber risk?" and "What does cyber insurance coverage for technology companies include?" sections; exact terms 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. | Travelers underwrites CyberRisk Tech as a scalable policy for technology and life-sciences companies, letting a business choose cyber protection, technology E&O protection, or both within the same policy. 3Company-reported. Product page "What does cyber insurance coverage for technology companies include?" section. |
