Harper Insure specializes in freelancers, independent consultants, coaches, and small advisory teams. We understand project scopes, retainers, and the risks tied to expert recommendations. Your coverage is built around how you work, with protection for advice, deliverables, missed details, and financial-loss claims. You get consulting-specific support, not a generic small-business policy.

Many clients, agencies, and procurement teams require E&O at specific limits, plus endorsements or proof before approving a project. Harper Insure reviews your contracts, clarifies requirements, and helps you select the exact limits and language needed. You stay compliant and avoid delays during onboarding, vendor review, or RFP submissions.

Independent consultants need strong protection without excessive premiums. We compare options across top carriers, explain how pricing changes with limits or deductibles, and help you avoid unnecessary add-ons. You get a balanced plan that meets client expectations, supports growth, and keeps your business protected without overspending.

As you add subcontractors, expand service lines, or take on larger contracts, your risk profile changes. We help boutique agencies adjust their policies as their project size, staff, and industries evolve. You stay aligned with client requirements and protect the business as it scales into more complex engagements.

Insurance terms like negligence, exclusions, prior-acts, or retroactive dates can feel confusing. Harper Insure explains everything in simple language, helping you understand what is covered, where boundaries exist, and when to add cyber or general liability. You feel confident when clients ask about your insurance.

We work with A-rated carriers experienced in consulting and professional-services risks. Your coverage aligns with the expectations of enterprise procurement and legal teams. Strong backing helps ensure better claim handling, consistent underwriting, and reliable support if a client disputes your work.

From your first quote, you see transparent pricing, limits, deductibles, and exclusions. We compare options step-by-step so you understand costs and coverage trade-offs. You choose the plan that fits your risk, budget, and contract load — with no hidden fees or confusing fine print.

Share basic details about your services and clients. We present tailored E&O and liability options, finalize your plan, and issue certificates the same day. Upload them to vendor portals, submit them with proposals, or send directly to clients so deals move forward without delays.