Amelia Risk vs Harper

Amelia Risk presents itself as an independent, women-owned insurance brokerage—not as an insurer. It says it identifies a company’s risks, discusses insurance products, represents the buyer to insurers, and recommends a program. The official pages reviewed do not name a licensed producer entity suffix, license number, or NPN. ^1,2,4,20,19

Harper is a commercial insurance brokerage: it helps businesses find insurance from other companies and arrange the purchase. You can request a quote online or speak with a specialist, who gathers information, approaches insurers and explains the options. ^30,37

Harper’s text-messaging terms identify the brokerage as Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency. Its privacy policy instead names Harper Group Corp. The reviewed disclosures do not explain the corporate relationship between those names. ^30,31

Harper separately markets wholesale access for other brokers, including specialty and non-admitted insurers. That page claims binding authority on selected programs but does not identify the delegating insurers, products, states or authority limits. It is not evidence that Harper itself bears the insured risk. ⁴²

Amelia Risk says it is a women-owned and operated insurance brokerage in San Francisco whose team works with startups and high-growth companies. Its specialty pages address startups, better-for-you food, beverage and cosmetic (CPG) companies, technology businesses (including software, hardware, robotics, AI, autonomous-vehicle software, and life sciences), and consumer-product or accessible-luxury brands. A company-hosted podcast transcript describes a primary CPG focus and work with higher-risk product categories such as baby food, skincare, and dietary supplements. Public pages do not state minimum revenue, headcount, or funding-stage eligibility. ^{1,3,4,5,6,7,8,22}

Its advertised customers include contractors, restaurants, auto dealers, childcare and adult-care providers, manufacturers, and transportation businesses. Harper emphasizes operations that are difficult to place with an insurer. ^36,41

Amelia Risk publishes an Insurance Policies catalogue covering general liability and umbrella or excess, stock throughput (cargo), product recall, directors and officers (D&O), employment practices liability (EPL), workers compensation, cyber, and technology errors and omissions (Tech E&O). Specialty pages also list product liability, fiduciary liability, professional liability, a businessowner’s policy (BOP) with property, general liability, and hired and non-owned auto, owned and hired/non-owned auto, and employee crime as policies those clients should consider. Those labels are the firm’s marketed placement topics; they are not specimen forms, and they do not establish that every line is available to every applicant. ^{9,10,11,12,13,14,15,16,17,5,6,7,8}

Harper’s privacy policy says it does not currently offer health or life insurance. The life qualification on its Georgia agency license does not establish that a life product is available through Harper. ^31,32

Harper advertises general and professional liability, commercial property and auto, cyber, garage liability, umbrella coverage and bonds. Its coverage directory also lists workers’ compensation, equipment, liquor liability, medical malpractice and product liability; the intake selector includes a business owner’s policy combining property and liability. ^29,35

Harper’s security page includes armed guards, event security and mobile patrol businesses. It describes liability for guard actions and professional negligence alongside equipment and vehicle protection. The page does not supply the insurer or policy wording for a particular security operation. ³⁹

Harper also arranges license, permit, contract, dealer, court and fiduciary bonds. Its bond page explains that the buyer may have to repay amounts the bond company pays on a claim. Ask for the bond and indemnity agreement—the repayment promise—when reviewing this part of a proposal. ⁴⁰

The reviewed product pages are coverage summaries. They do not provide a specimen policy tied to a named insurer, state and form edition from which to establish common limits, deductibles or exclusions. Ask for the actual forms and endorsements, which change or add to the policy. ^35,37,39

New business starts with a conversation or website contact form, not a public self-service binder. Amelia Risk describes four steps: understand the company and gather information; represent the buyer to insurers; review quotes and a recommendation with the client; then the client decides how to proceed. About copy says the firm will not ask clients to complete multiple PDFs or Word documents only to print, sign, and scan them back. A company-hosted interview describes D&O underwriting as possibly a matter of days or a few weeks with completed information, with a two-to-three-week comfortable budget—an illustrative timing comment, not a binding SLA. No public quote calculator or specimen application was found. ^{4,18,2,5,20,22}

The public quote form asks for your contact and business details, state, estimated annual revenue, business activity and requested coverage. It includes an existing-customer checkbox and a text-message consent choice. The visible form starts an inquiry; it does not display a final premium or issued policy. ²⁹

The founders describe Harper Hub as internal software that helps complete forms, identify carriers and underwriters, and manage client communications. Their Y Combinator launch describes full autonomy as a direction for the business. ³⁴

Harper’s privacy policy says AI extracts document information, drafts messages for review, organizes follow-ups and assists staff. It says licensed professionals and carriers review final decisions, including eligibility and binding. AI marketing therefore does not establish that a machine can approve your coverage on its own. ³¹

The privacy policy describes collecting applications, loss records and business documents. It also says customer communications and policy information train Harper’s own models, while its enterprise AI vendors state they do not train their foundation models on customer data. These are different uses of your information. ³¹

Harper’s messaging terms say a text cannot bind, change, renew or cancel insurance. Coverage takes effect only with written confirmation from Harper and the applicable carrier; quotes sent by text remain subject to underwriting and final documentation. ³⁰

Harper’s February 2026 announcement advertises coverage within 24–48 hours. That is a company timing claim, not a deadline established for your application. Ask what information and approvals are still outstanding before arranging work around a proposed start date. ⁴¹

Amelia Risk says it represents clients to the dozens of insurance companies with which it works and that its vertical focus supports relationships with underwriters, wholesale brokers, and carrier partners. The reviewed pages do not name those insurers, rating agencies, or program administrators, and they do not publish appointment lists. ^4,2,21

Harper’s homepage displays insurers including Progressive, Kinsale, USLI, Atlantic Casualty, James River, GEICO, AIG and Hiscox. Its February 2026 announcement reports relationships with more than 165 underwriters and plans for more direct appointments. An underwriter count is not a count of distinct insurers that will quote your account. ^29,41

An older Harper article says it uses only AAA-rated carriers, without specifying the rating agency, legal insurers or dated rating records. That does not establish a financial-strength rating for the insurer on your quote. Request that insurer’s exact name and current rating evidence. ⁴⁵