Alliance Risk vs Harper Professional Liability (E&O) Insurance

Alliance Risk places professional liability (errors and omissions, or E&O) coverage as a broker, saying it backs placements with risk-specific underwriting input and carrier partnerships rather than underwriting the policy itself. ³Company-reported. Professional liability product page.

Harper places professional liability coverage as a broker, writing the policy around the applicant's actual services rather than underwriting it, and describes a specialist handling the placement. ⁶Company-reported. Professional liability page introduction and 'Why Harper' section.

Harper markets the identical policy under two catalogue entries, "Professional Liability" and "Errors and Omissions"; the E&O page states it is the same policy, just named what a given industry calls it. ^7,8Company-reported. Coverage directory listing plus the E&O page's own description; a naming convention Harper states about itself, not a distinction between two products.

The reviewed professional liability page does not name the insurer that would issue a policy; it refers generally to 'strong carrier partnerships' without identifying a specific carrier. ³Not publicly disclosed. Professional liability product page as read on 2026-09-23.

The reviewed pages name pricing drivers (services performed, revenue, contract size) but do not name the issuing insurer or publish specific limit, retention or premium figures for this line. ^6,7Not publicly disclosed. Checked both the professional-liability and errors-and-omissions pages on 2026-09-23; neither names a carrier or a limit figure.

Alliance Risk targets professional liability at consultants and advisory firms, accountants and tax professionals, architects and engineers, real estate and insurance agents and brokers, marketing and PR agencies, IT and technology consultants, healthcare providers, and financial planners and investment advisors. ³Company-reported. Professional liability product page; eligibility for a particular company depends on underwriting.

Harper targets consultants, agencies, tech firms and licensed professionals whose work product is advice, design or a decision, since general liability doesn't cover a client claiming that work caused a financial loss. ⁶Company-reported. Professional liability page introduction and FAQ distinguishing it from general liability.

Alliance Risk lists negligent acts or omissions, breach of contract, misrepresentation, and missed deadlines as typically covered, and says bodily injury or property damage, intentional wrongdoing or fraud, employment disputes, cyber incidents, and prior known claims are excluded and belong to other lines such as general liability, EPLI or cyber liability. ³Company-reported. Professional liability product page; coverage and exclusions described in general terms, subject to the policy as issued.

Harper describes coverage for errors and omissions in the work itself, negligence allegations about professional judgment, and legal defense costs, with limits it says are matched to the client contracts that require the policy. ^6,7Company-reported. Professional liability page's four coverage tiles; the E&O page adds that claims often surface a year or more after the work was delivered. The issued policy and its exclusions control actual scope.

The reviewed professional liability page gives cost ranges by firm size (for example, solo practitioners at $500-$3,000 a year up to mid-sized to large firms at $10,000-$50,000-plus) but does not publish specific coverage limits, retentions or deductible amounts for this line. ³Not found in reviewed sources. Professional liability product page as read on 2026-09-23; cost figures are illustrative premium estimates, not published limits.

Not described in the reviewed sources.

Alliance Risk describes its approach to professional liability as including industry-specific risk reviews, claims-trend analysis, customized policy language, review of client contracts to limit personal exposure, and expertise structuring claims-made policies including tail coverage, prior acts and retroactive dates. ³Company-reported. Professional liability product page, Our Approach to Professional Liability and The Alliance Risk Difference sections.

Harper says it reads a policy's exclusions line by line before a client buys, because two E&O policies with the same limit can respond very differently to the same claim. ⁶Company-reported. Professional liability page 'We know this' section; a described review practice, not an independently verified outcome.

The professional liability page's only application route is a generic 'Get a quote' request; it does not list the specific submission information Alliance Risk asks for on this line, unlike its D&O, EPLI and fiduciary product pages. ³Not found in reviewed sources. Professional liability product page as read on 2026-09-23.

You request a quote online or by phone; if a client contract requires E&O, Harper says it places coverage matching that requirement and issues the certificate the same day. ⁶Company-reported. Professional liability page quote form and FAQ 'My client contract requires E&O. What now?'.

Alliance Risk says professional liability clients get access to a legal network and claims experts who understand the client's industry, providing a defense strategy if a claim arises. ³Company-reported. Professional liability product page, The Alliance Risk Difference section.

Not described in the reviewed sources.