Amelia Risk vs Harper: How Do They Compare for Umbrella and Excess Liability Insurance?

Harper maps which underlying policies sit beneath a client's umbrella and says the umbrella follows their terms. Amelia Risk approaches insurers on the client's behalf and reviews the resulting quotes with the client.

Harper maps every policy under your umbrella before quoting, and its umbrella follows those policies' terms, including when an injured employee sues. Amelia Risk lists umbrella for startups as a way to raise your existing liability limits. ^5,^1,³

What Are the Key Differences Between Amelia Risk and Harper Umbrella and Excess Liability Insurance?

Fewer Surprise Gaps With Harper's Mapping

Harper says the mapping step is meant to leave no coverage gaps. It describes the umbrella paying above general liability, auto and a workers' compensation claim where an injured employee sues. A specialist reviews your policies before recommending limits, and you can start online or by phone. Amelia Risk says some of its placements are excess rather than umbrella, and it doesn't describe a mapping step or name which policies sit underneath. On gap-checking, Harper is the stronger process. Choose Harper if a lease or contract sets a limit you must meet and you want the stack checked; choose Amelia Risk if you're a startup already using it for other lines and want umbrella added to the same placement. ⁵ ¹ ³

How Much to Buy and What It Costs

Harper recommends an umbrella whenever a lease or contract demands limits above your primary policies. Otherwise it frames the choice as how much of a large claim you could pay yourself. It says each additional million typically costs a fraction of the first, though it publishes no figures. Amelia Risk publishes no pricing guidance, and its four-step process has you share information before it approaches insurers. ⁵ ⁴

What Should You Confirm in Amelia Risk and Harper Umbrella and Excess Liability Insurance Quotes?

Ask both which insurer issues the policy; neither page names one. ⁵ ⁴
Ask Harper for the mapped schedule, and check that employee third-party suits appear on it. ⁵
Ask Amelia Risk whether you're getting an umbrella or an excess policy, and which of your liability policies it sits over. ¹
If a lease sets your limit, send the contract with your application. ⁵
Get dollar limits and the price of each extra million from both. ⁵ ¹

Amelia Risk vs Harper Umbrella and Excess Liability Insurance Compared

Amelia Risk vs Harper: Umbrella and Excess Liability Insurance: documented features by provider

Criteria	Umbrella / Excess Liability	Harper Umbrella Insurance
Who It’s For	Amelia Risk lists Umbrella Liability among the policies it says startup clients should consider, alongside other liability lines in its startup catalogue. ³Company-reported. Startups specialty page as read on 2026-09-23. Describes a marketed audience, not an underwriting eligibility rule or a stated minimum for underlying limits.	Harper recommends an umbrella when a lease or contract requires liability limits above a business's primary policies, and otherwise frames it as a judgment call based on how much of a claim the business could absorb. ⁵Company-reported. Umbrella FAQ 'Do I need an umbrella?'.
How to Apply	Amelia Risk applies its general four-step brokerage process to an umbrella or excess request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. ⁴Company-reported. Specialties page process description, which applies across the firm's lines rather than describing an umbrella-specific intake form.	You request a quote through Harper's online form or by phone; Harper says a specialist reviews the underlying policies before recommending umbrella limits. ⁵Company-reported. Umbrella page quote form and 'Why Harper' process steps.
Coverage Features	Amelia Risk describes an umbrella policy as one that increases the limits of a client's underlying scheduled liability policies, and notes that in some cases the product placed is technically an excess policy rather than an umbrella policy. ¹Company-reported. General Liability page's umbrella subsection. A plain-language description of how the firm frames the product, not a specimen form or list of which underlying policies must be scheduled.	Harper describes the umbrella responding above general liability claims, above auto liability claims, and above a workers' compensation claim when an injured employee separately sues. ⁵Company-reported. Umbrella page's four coverage tiles; the underlying and umbrella policies as issued control which claims actually qualify. Harper says the umbrella follows the terms of the policies underneath it, and that it maps exactly which underlying policies sit under a client's umbrella so there are no coverage gaps. ⁵Company-reported. Umbrella FAQ 'Does it cover everything my other policies cover?'; a described mapping practice, not an independently verified outcome.
Role in This Line	Amelia Risk arranges umbrella and excess liability as part of its general liability practice; its policies hub groups the two under one 'General Liability & Umbrella' catalogue card rather than listing umbrella as a standalone product. ²Company-reported. Policies hub as read on 2026-09-23. Describes how the firm catalogues the line, not a specific insurer or program.	Harper places umbrella and excess liability coverage as extra limits stacked above a client's existing primary policies, rather than re-selling the underlying coverage itself. ⁵Company-reported. Umbrella page introduction and 'What is Umbrella insurance?' section.