Harper vs WTW: How Do They Compare for Cyber Insurance?

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. ⁴Company-reported. Homepage 'What we cover' introduction and coverage list, where cyber is one of the enumerated lines.

Under WTW's North American Corporate Risk & Broking terms, WTW normally acts as the client's insurance intermediary for engagements governed by those terms. ¹⁰Company-reported. Terms for applicable North American Corporate Risk & Broking engagements. WTW also discloses separate insurer-side services in some arrangements; this does not determine the role in a specific engagement.

Harper's public pages do not name the insurer or insurers that would underwrite a cyber policy; the homepage shows an unlabeled panel of insurer logos it says it works with, without listing carriers for cyber specifically. ⁴Not publicly disclosed. Checked the homepage insurer-logo panel and eCommerce industry page on 2026-09-23.

The reviewed WTW sources do not identify an issuing insurer for a specific cyber placement. ^10,9,6Not publicly disclosed. This is a gap in the cited marketing, annual-report, and brokerage materials; it does not mean WTW lacks insurer markets. Confirm the carrier on the quote and issued policy.

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. ^3,4Company-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.

Confirm in your quote.

Harper's homepage summarizes cyber insurance as coverage for the cleanup if a business's systems or card payments get hacked. ⁴Company-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. ³Company-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.

WTW's FY2024 annual report lists cyber insurance among FINEX solutions; its Digital Infrastructure Protector describes cyber protection as one part of a broader data-center solution. ^9,6Company-reported. Historical group-level FINEX capability and a separately scoped data-center solution; neither source establishes current standalone cyber terms or eligibility.

The reviewed pages do not publish cyber policy limits, retentions or a claims-made versus occurrence trigger; the eCommerce page's cost FAQ discusses eCommerce insurance overall rather than cyber coverage alone, so it is not used as a cyber-specific figure here. ^4,3Not publicly disclosed. Checked the homepage and eCommerce industry page on 2026-09-23.

The reviewed sources do not state a buyer-specific cyber limit, retention, or deductible. ^10,9,6Not publicly disclosed. No limit or deductible is inferred from general marketing or WTW's brokerage role; the insurer's quote and issued forms control.

Confirm in your quote.

WTW's North American terms describe reviewing binders, policies, and endorsements against the terms negotiated with the insurer. ¹⁰Company-reported. Broker document-review process under the cited terms, when WTW handles this line's placement. It does not certify that a policy covers a claim or replace the issued wording.

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. ⁴Company-reported. Homepage quote-intake form.

WTW's North American terms say an insurer quote is not confirmation of coverage; if the client orders binding, WTW seeks a formal insurer commitment, typically a binder. ¹⁰Company-reported. Applies to placements governed by the cited North American Corporate Risk & Broking terms. It does not establish a self-service quote route or promise coverage availability for this line.