1M+
datapoints
on quote intelligence to help match you with the right carrier at the best price.
100k+
prior customer interactions
analyzed in real-time to find the best market fit
Home
Business insurance that's smarter, faster, cheaper.
From trucking to tech, construction to consulting, we use data and deep market access to find you the right coverage at the right price.
One call does it.
A specialist learns your business — not a generic quote form.
We shop every market.
Admitted, E&S, and specialty carriers — you don't make the calls, we do.
You choose. We handle the rest.
See every option that comes back, then we take it end-to-end.
Risk We Cover
What we offer
We lead with human expertise — AI just amplifies our abilities. By using tech to surface the right markets quickly, our team delivers smarter matches and faster turnaround.
General liability insurance
The right protection, no boilerplate fluff
Professional Liability insurance
100% success placing tech E&O with no AI exclusions
Garage liability insurance
Protection for servicing, storing, or moving vehicles.
Commercial auto insurance
From one vehicle to a full fleet.
Commercial property insurance
Safeguard buildings, equipment, and inventory
Cyber insurance
Defense against data breaches and digital threats.
Umbrella insurance
Extra protection for when the unexpected happens.
Bonds
Guarantee bond payments to secure contracts and financing.
General liability insurance
The right protection, no boilerplate fluff
Professional Liability insurance
100% success placing tech E&O with no AI exclusions
Garage liability insurance
Protection for servicing, storing, or moving vehicles.
Commercial auto insurance
From one vehicle to a full fleet.
Commercial property insurance
Safeguard buildings, equipment, and inventory
Cyber insurance
Defense against data breaches and digital threats.
Umbrella insurance
Extra protection for when the unexpected happens.
Bonds
Guarantee bond payments to secure contracts and financing.
Industries We Serve
Deep industry expertise
From FDA-regulated labs to aerospace contractors with multi-state operations, these aren't outliers, they're our sweet spot. We understand the nuance behind compliance, liability, and operational complexity, and we match coverage to real-world exposure with speed and precision.
Aerospace, Defense, & Manufacturing
Coverage for high-stakes industries where compliance, liability, and contracts leave no room for error.
Technology and Digital Innovation
Protection for software companies, AI developers, and platforms facing evolving cyber and regulatory risks.
Consumer Goods & Retail
Product liability, recall, and reputation coverage for CPG, apparel, and retail—online or off.
Automotive & Transportation
Built for used car dealers, tow truck operators, service providers, logistics, and freight operations navigating modern mobility risks.
Public Sector
Tailored programs for local government and public entities with layered liability and regulatory needs.
Care Providers
Insurance for daycares, adult care, nursing homes, and assisted living facilities.
Hospitality
Coverage tailored for hotels, bars, restaurants, taverns, and more, to protect an industry where service and safety go hand in hand.
Security Guards
Protection for armed and unarmed security guards, covering the unique risks of keeping people and property safe.
Professional & Financial Services
Sophisticated liability coverage for consultants, lawyers, advisors, and firms managing sensitive client trust.
Emerging & Complex Ventures
Coverage for high-stakes industries where compliance, liability, and contracts leave no room for error.
Industries We Serve
Deep industry expertise
From FDA-regulated labs to aerospace contractors with multi-state operations, these aren't outliers, they're our sweet spot. We understand the nuance behind compliance, liability, and operational complexity, and we match coverage to real-world exposure with speed and precision.
Aerospace, Defense, & Manufacturing
Coverage for high-stakes industries where compliance, liability, and contracts leave no room for error.
Technology and Digital Innovation
Protection for software companies, AI developers, and platforms facing evolving cyber and regulatory risks.
Consumer Goods & Retail
Product liability, recall, and reputation coverage for CPG, apparel, and retail—online or off.
Automotive & Transportation
Built for used car dealers, tow truck operators, service providers, logistics, and freight operations navigating modern mobility risks.
Public Sector
Tailored programs for local government and public entities with layered liability and regulatory needs.
Care Providers
Insurance for daycares, adult care, nursing homes, and assisted living facilities.
Hospitality
Coverage tailored for hotels, bars, restaurants, taverns, and more, to protect an industry where service and safety go hand in hand.
Security Guards
Protection for armed and unarmed security guards, covering the unique risks of keeping people and property safe.
Professional & Financial Services
Sophisticated liability coverage for consultants, lawyers, advisors, and firms managing sensitive client trust.
Emerging & Complex Ventures
Coverage for high-stakes industries where compliance, liability, and contracts leave no room for error.
Why Harper
Built on data. Backed by outcomes.
Our model wasn't built to sound impressive. It was built to perform. And it does, across every metric that matters.
Automated workflows, instant carrier matching, and real-time decisioning cut weeks from the traditional timeline.
Lower overhead and smarter underwriting means better rates without sacrificing coverage quality.
Proof
Trusted by 6,000+ companies
With 98.78% client retention across sectors and risk levels, it's no wonder we're covering more clients every day.
98.78%
client retention across sectors
6,000+
businesses trust Harper
The hard stuff
E&S & specialty is our specialty
Carrier Access
Partners you can count on
Our carrier partners are industry leaders known for their service and specialized expertise — admitted, E&S, and specialty markets.
Plus access to hundreds more.