Alliance Risk vs Harper Product Liability Insurance

Not described in the reviewed sources.

Harper places product liability coverage as a broker: it says a specialist reviews the business and approaches insurers on the client's behalf rather than underwriting the policy itself. ⁶Company-reported. Product liability page's 'Why Harper' section; describes Harper's placement process, not a specific insurer or policy.

The product liability page does not name a specific insurer or carrier that Alliance Risk places this coverage with; it describes standard-market versus excess-and-surplus carrier appetite by hazard class in general market terms. ³Not publicly disclosed. Checked the full dedicated product page as read on 2026-09-23; no carrier is identified by name for this line.

The reviewed product liability page does not name the insurer or insurers that would issue a given policy; Harper says it places the coverage with 'real insurers' generally rather than a named carrier for this line. ^6,7Not publicly disclosed. Checked the product liability page and the coverage directory on 2026-09-23; neither names a carrier for this specific line.

Alliance Risk's product liability page frames this coverage for manufacturers, distributors and retailers facing lawsuits over defective or harmful products they made, sold or distributed. ³Company-reported. Dedicated Alliance Risk product page for this line, as read on 2026-09-23. This is a general description of who needs the coverage type, not an eligibility criterion Alliance Risk applies to applicants.

Harper says the line is for makers, importers and sellers of physical products, and that importers, distributors and retailers can be named in a product claim even when they didn't manufacture the item. ⁶Company-reported. Product liability page introduction and FAQ answer on non-manufacturer exposure.

Alliance Risk's page explains that for manufacturers, product liability is usually a component of the general liability policy's products-completed operations hazard rather than a standalone policy, with its own separate aggregate limit that a general aggregate cannot backfill once exhausted. ³Company-reported. Product page explainer on the ISO CG 00 01 form; this describes how the coverage type is typically structured in the market, not a specific Alliance Risk-issued policy, since Alliance Risk is a broker and does not issue policies.

Alliance Risk's page states that a standard general liability policy specifically excludes recall costs from product liability coverage, and that Alliance Risk sells product recall insurance as a separate line to cover that gap. ³Company-reported. Product page "Product liability and product recall are different purchases" section.

Harper describes the coverage as responding to injury claims from a product, property damage the product caused, and the legal defense costs of those claims. ⁶Company-reported. Product liability page's four coverage tiles (Injury claims, Property damage, Defense in depth, Vendor agreement compliance); the issued policy and its exclusions control actual scope.

Not described in the reviewed sources.

Harper names product category, sales volume and sales channel as what drives product liability pricing, but the reviewed page does not publish specific limit, retention or premium figures. ⁶Not publicly disclosed. Product liability FAQ 'What does it cost?'; figures are unavailable on this public page and would appear on a quote.

Not described in the reviewed sources.

Harper says it will write the policy to match a retailer or marketplace vendor agreement, including additional-insured status and the specific limits those contracts require. ⁶Company-reported. Product liability page 'We know this' section and FAQ on additional-insured requests; a service Harper describes performing, not an independently verified outcome.

Alliance Risk's product liability page offers a customized risk assessment from its insurance risk advisors, booked through the page's consultation link. ³Company-reported. Dedicated product liability page calls to action.

You request a quote through Harper's online form or by phone; Harper says one application is then shopped across the insurers that write the applicant's product class. ⁶Company-reported. Product liability page quote form and 'Why Harper' process steps.