Amelia Risk vs Harper Product Liability Insurance

Amelia Risk arranges product liability coverage as a brokerage, placing the policy with an insurer rather than underwriting it itself; no product-liability-specific product page names an issuing insurer. ²Company-reported. General brokerage process from the Specialties page, applied here because product liability has no dedicated product page on the site.

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. ⁸Company-reported. Product liability page's 'Why Harper' section; describes Harper's placement process, not a specific insurer or policy.

Not described in the reviewed sources.

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. ^8,9Not publicly disclosed. Checked the product liability page and the coverage directory on 2026-09-23; neither names a carrier for this specific line.

Amelia Risk lists product liability as a policy to consider for its CPG (food, beverage and cosmetic) and consumer-product clients, describing the product itself as the client's main source of exposure. ^4,5Company-reported. CPG and Consumer Products specialty pages' "policies to consider" lists; a marketed topic for those segments, not a stated underwriting eligibility rule.

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. ⁸Company-reported. Product liability page introduction and FAQ answer on non-manufacturer exposure.

Amelia Risk describes product liability as protection against claims of bodily injury or property damage caused by the client's covered products. ⁴Company-reported. CPG page's product liability paragraph; a general explanation of the coverage type, not a specimen policy form or specific insurer's wording. Appears only on specialty pages, not a dedicated product-liability page.

Amelia Risk says product liability and product recall are separate policies that can both respond to the same contaminated-product event: product liability covers third-party bodily-injury or property-damage claims, while product recall pays the costs of pulling the product from the market. ⁴Company-reported. CPG page FAQ 2, "Is product recall covered under product liability?" A general distinction between coverage types, not policy-specific wording.

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. ⁸Company-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. ⁸Not publicly disclosed. Product liability FAQ 'What does it cost?'; figures are unavailable on this public page and would appear on a quote.

Amelia Risk says it reads the policies it offers clients and negotiates coverage terms and pricing before a client buys, as part of its general placement process; no product-liability-specific risk-control service was described. ²Company-reported. Specialties page's process description; applies to the firm's placement practice generally, not a product-liability-specific service.

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. ⁸Company-reported. Product liability page 'We know this' section and FAQ on additional-insured requests; a service Harper describes performing, not an independently verified outcome.

Amelia Risk's stated process for arranging coverage, including product liability, starts with gathering information about the company, then approaching multiple insurers, reviewing the resulting quotes with the client, and letting the client decide how to proceed. ²Company-reported. Specialties page's four numbered steps; describes the firm's general placement workflow, not a product-liability-specific application form.

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. ⁸Company-reported. Product liability page quote form and 'Why Harper' process steps.

Amelia Risk says it will advocate for a client's needs during claims, as one of the things clients can expect when working with the firm; no product-liability-specific claims process was described on any reviewed page. ²Company-reported. Specialties page's process list, a general claims-advocacy statement covering all lines the firm places.

Not described in the reviewed sources.