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 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.
Admitted, E&S, and specialty markets. You never chase a carrier, we bring them to you.
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.
Risk We Cover
What we cover
One specialist, every line of coverage. Our proprietary tech helps us put the right policy behind whatever you build, serve, store, or drive, and we explain it in plain terms.
General liability insurance
The foundation: covers slips-and-falls, property damage, and the certificate your landlord asks for.
Professional Liability insurance
E&O written for the work you actually do.
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
Defense against data breaches and digital threats.
Umbrella insurance
Extra limits for the claim nobody saw coming.
Bonds
The bond your license or contract requires.
General liability insurance
The foundation: covers slips-and-falls, property damage, and the certificate your landlord asks for.
Professional Liability insurance
E&O written for the work you actually do.
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
Defense against data breaches and digital threats.
Umbrella insurance
Extra limits for the claim nobody saw coming.
Bonds
The bond your license or contract requires.
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
Licensing-ready coverage for centers and in-home programs, with the tough coverages done right.
Adult & Senior Care
Group homes, assisted living, and home care, with the professional liability regulators expect.
Manufacturing
Product liability, property, and equipment breakdown for shops that cannot afford downtime.
Hospitality & Venues
Hotels, bars, taverns, and event venues, including the hard-to-place liquor risk.
Security Guards
Armed and unarmed operations, with assault and battery coverage that works.
Transportation & Logistics
Local haulers, livery, and last-mile fleets with real auto exposure.
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
Licensing-ready coverage for centers and in-home programs, with the tough coverages done right.
Adult & Senior Care
Group homes, assisted living, and home care, with the professional liability regulators expect.
Manufacturing
Product liability, property, and equipment breakdown for shops that cannot afford downtime.
Hospitality & Venues
Hotels, bars, taverns, and event venues, including the hard-to-place liquor risk.
Security Guards
Armed and unarmed operations, with assault and battery coverage that works.
Transportation & Logistics
Local haulers, livery, and last-mile fleets with real auto exposure.
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.
Instant carrier matching and real-time decisioning cut weeks from the traditional timeline. When a certificate has to be there today, we can help.
Options from every market give you leverage. Leverage gets the right price without stripping coverage.
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 service and specialized expertise across admitted, E&S, and specialty markets.
Plus access to hundreds more.