Harper vs USI Insurance Services: How Do They Compare for Cyber Insurance?

Harper starts quotes from an online intake pitched at online retailers; USI Insurance Services is a broker with PrivaSafe for middle-market firms, including up to $2 million in notification-cost coverage.

USI markets PrivaSafe, a manuscripted cyber form that can add up to $2 million of notification costs outside the aggregate and $250,000 of defense costs outside the limit. Harper lets small businesses start a quote online and describes hack cleanup, without publishing extra-limit figures. ^3,²

What Are the Key Differences Between Harper and USI Insurance Services Cyber Insurance?

Extra-Limit Notification Costs Versus a Checkbox Quote

USI says PrivaSafe can prevent uninsured losses up to $10 million, includes up to $2 million in notification-cost coverage in addition to the aggregate, and $250,000 of defense-cost coverage outside the limit. Harper's pages do not publish limits, sublimits or extra-aggregate grants. Choose USI if you need a middle-market manuscript with extra notification and defense limits; choose Harper if you want to start a smaller cyber quote online. ³ ²

Who Each Program Is For

USI markets PrivaSafe to middle-market firms it says have limited in-house security expertise, and also says any business that gathers personal information, runs a network or takes electronic payments is a potential target. Harper's detailed cyber copy is for ecommerce sellers, with a general homepage checkbox for other businesses. ³ ¹

What You Bring to Intake

USI asks you to bring current cyber policies, an assessment of your largest cyber vulnerabilities, and recent audited financials. Harper's intake is state, estimated annual revenue and a short description of what the business does. ³ ²

What Should You Confirm in Harper and USI Insurance Services Cyber Insurance Quotes?

Ask USI which insurer would issue PrivaSafe for your account; the program page does not name a carrier. ³
Ask Harper which insurers it would call after the checkbox intake. ²
Confirm whether USI's $2 million notification grant sits outside your aggregate on the actual form. ³
Ask USI what pre-breach and post-breach services are included versus billed separately. ³

Harper vs USI Insurance Services Cyber Insurance Compared

Harper vs USI Insurance Services: Cyber Insurance: documented features by provider

Criteria	Harper Cyber Insurance	USI PrivaSafe Cyber and Privacy Liability Program
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.	USI markets PrivaSafe to middle-market firms, saying they are particularly vulnerable to cyber events because they have limited in-house access to security expertise. The page also says any business that gathers personal or health information, manages a network, or accepts electronic payments is a potential target. ³Company-reported. Program page marketing description, not an underwriting appetite statement.
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.	To review cyber exposure with USI, the program page says a buyer should be ready to provide current cyber policies (if any), an assessment of its largest financial and operational cyber vulnerabilities, and its most recent audited financials. ³Company-reported. PrivaSafe program page intake description.
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.	USI describes PrivaSafe as covering three areas: liability costs (including inability to protect information and related tort liability), compliance and corrective costs (data breach and forensic costs, privacy regulatory costs, payment-card standards), and direct costs (network interruption, data reconstruction, cyber extortion, bricking, voluntary shutdown, reputational harm business interruption, and cyber crime). ³Company-reported. PrivaSafe program page; actual insuring agreements and exclusions are set by the issued policy form.
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.	USI is a broker, not an insurer, for cyber coverage. It places cyber and privacy liability policies for clients and layers on its own manuscripted program, PrivaSafe, rather than underwriting the risk itself. ^3,⁴Company-reported. PrivaSafe program page and USI's property & casualty and technology practice pages.