1M+
quotes and policies studied
So we know which insurers say yes to work like yours.
100k+
conversations with owners
like you, so we ask the right questions the first time.
Home
Business insurance that works for you.
You make one call, we make the rest. We take the time to learn about your business, work every market that can write it, and bring back the right coverage at the right price. Fast, because we know exactly where to go.
You make one call
A specialist takes the time to learn your business. Not a form, a person.
We make the rest of the calls.
We call the insurance companies, including the specialists most agents cannot reach. You never chase anyone.
You choose. We handle the rest.
Every option that comes back, explained in plain terms. Pick one and we take care of it end-to-end.
Coverage
What we cover
One person handles all of it. Our tech tells us which policy fits whatever you build, serve, store, or drive, and we explain it in words you would actually use.
General liability insurance
The foundation: covers slips-and-falls, property damage, and the certificate your landlord asks for.
Professional Liability insurance
If a client says your work or advice cost them money, this defends you.
Garage liability insurance
For anyone who services, stores, sells, or moves customer vehicles.
Commercial auto insurance
One work truck or a full fleet, with coverage limits your contracts accept.
Commercial property insurance
Buildings, equipment, and inventory, covered at what it costs to replace them.
Cyber insurance
If your systems or card payments get hacked, this covers the cleanup.
Umbrella insurance
Extra protection when a claim is bigger than your main policy.
Bonds
The guarantee your license or your customer demands before you can start work.
General liability insurance
The foundation: covers slips-and-falls, property damage, and the certificate your landlord asks for.
Professional Liability insurance
If a client says your work or advice cost them money, this defends you.
Garage liability insurance
For anyone who services, stores, sells, or moves customer vehicles.
Commercial auto insurance
One work truck or a full fleet, with coverage limits your contracts accept.
Commercial property insurance
Buildings, equipment, and inventory, covered at what it costs to replace them.
Cyber insurance
If your systems or card payments get hacked, this covers the cleanup.
Umbrella insurance
Extra protection when a claim is bigger than your main policy.
Bonds
The guarantee your license or your customer demands before you can start work.
Industries We Serve
Deep industry expertise
From construction crews to restaurants, dealer lots to daycares we know small business insurance inside and out. We understand what your contracts require, what your license demands, and we match coverages with speed and precision.
Construction & Contractors
From GCs to specialty trades: jobsite liability, builders risk, and the certificates your projects cannot start without.
Restaurants & Food Service
Kitchens, bars, food trucks, and catering. Liquor liability included, priced for how you actually serve.
Auto Sales & Dealers
Dealer lots, test drives, and inventory. Garage liability and dealer bonds handled in one pass.
Garage & Auto Services
Repair shops, detailers, and towing. Coverage for servicing, storing, and moving customer vehicles.
Childcare & Daycare
Coverage that satisfies your state license, including protection against abuse claims that centers are required to carry.
Adult & Senior Care
Group homes, assisted living, and home care, including the coverage state inspectors ask for.
Manufacturing
Product liability, property, and equipment breakdown for shops that cannot afford downtime.
Hospitality & Venues
Hotels, bars, taverns, and event venues, including the bars other agents turn down.
Security Guards
Armed and unarmed operations, with assault and battery coverage that works.
Transportation & Logistics
Local haulers, car services, and delivery fleets that keep vehicles on the road all day.
Industries We Serve
Deep industry expertise
From construction crews to restaurants, dealer lots to daycares we know small business insurance inside and out. We understand what your contracts require, what your license demands, and we match coverages with speed and precision.
Construction & Contractors
From GCs to specialty trades: jobsite liability, builders risk, and the certificates your projects cannot start without.
Restaurants & Food Service
Kitchens, bars, food trucks, and catering. Liquor liability included, priced for how you actually serve.
Auto Sales & Dealers
Dealer lots, test drives, and inventory. Garage liability and dealer bonds handled in one pass.
Garage & Auto Services
Repair shops, detailers, and towing. Coverage for servicing, storing, and moving customer vehicles.
Childcare & Daycare
Coverage that satisfies your state license, including protection against abuse claims that centers are required to carry.
Adult & Senior Care
Group homes, assisted living, and home care, including the coverage state inspectors ask for.
Manufacturing
Product liability, property, and equipment breakdown for shops that cannot afford downtime.
Hospitality & Venues
Hotels, bars, taverns, and event venues, including the bars other agents turn down.
Security Guards
Armed and unarmed operations, with assault and battery coverage that works.
Transportation & Logistics
Local haulers, car services, and delivery fleets that keep vehicles on the road all day.
Why Harper
We already know who will say yes.
We have quoted thousands of businesses like yours, so we already know which insurance company covers your kind of work and what a fair price looks like.
We know which insurer to call first. That turns a two-week wait into a same-week answer. When a certificate has to be there today, we can help.
When more than one insurer wants your business, the price comes down. We get you real choices, and we never quietly cut coverage to make a number look better.
Proof
Trusted by 6,000+ companies
98.78% of our customers renew with us.
98.78%
of customers renew with us
6,000+
businesses trust Harper
The hard stuff
Businesses other insurers turn down.
Insurers We Work With
Partners you can count on
You will recognize some of these names. The rest are specialists who cover the work the big names turn down.
Plus access to hundreds more.