Aon vs Harper: How Do They Compare for General Liability Insurance?

Aon says its global construction practice designs and places risk solutions and uses broking experience and a global network across construction insurance lines. For general liability, this is evidence of Aon’s brokered market offering; the page does not identify the insurer for a buyer’s placement. ³Company-reported. Aon’s global construction and infrastructure practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement.

Harper places general liability coverage by taking one application to multiple insurers rather than underwriting the policy itself, and a specialist reviews the business before it is quoted. ⁶Company-reported. Harper's own general liability product page. Describes the brokerage process, not an insurer or underwriting decision.

The reviewed practice page does not name the insurer or producing legal entity for a specific placement. Ask for both on the quote and binder. ³Not found in reviewed sources. Aon’s global practice page as reviewed 2026-09-30; no state-specific placement schedule or buyer quote was reviewed. This does not establish that Aon cannot arrange a placement.

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Aon describes its global construction and infrastructure practice as serving contractors, owners, developers, engineers, architects, designers, financiers and investors, and says it works with organizations of varied sizes and complexity. ³Company-reported. Audience described for Aon’s global construction and infrastructure practice. It does not establish U.S. state availability or underwriting eligibility for a placement.

Harper markets general liability to businesses that need a certificate for a lease, client contract or license, and specifically says hard-to-place or previously declined businesses are the operations it targets. ⁶Company-reported. Product-page marketing copy; not an eligibility guarantee for a particular applicant.

Aon lists General Liability within construction liability and describes casualty protection for third-party bodily injury or property damage associated with negligent acts during construction or operations. A policy’s actual insureds, triggers, exclusions and conditions are not stated on this practice page. ³Company-reported. Aon’s marketing description of the brokerage/coverage area. The page is not the insurer’s policy form and does not establish an insured's entitlement to coverage.

Harper describes the general liability policies it places as covering bodily injury to third parties, property damage the business causes to others' property, and legal defense costs, including when a claim turns out to be groundless. ⁶Company-reported. Product-page coverage summary; the issued policy and its exclusions control the actual terms.

The reviewed page does not state a buyer-specific limit, retention, deductible or other placement terms. Confirm these in the quote, bond or issued policy. ³Not publicly disclosed. Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed.

Harper says most leases and contracts ask for $1 million per claim as a starting limit, and it will recommend higher limits when a business's situation calls for it. The page does not publish a maximum available limit. ⁶Company-reported. FAQ answer on the general liability page; actual limit options depend on the insurer and underwriting.

Aon describes project risk-advisory services to understand project-specific risks and develop risk-transfer, management or mitigation strategies. It also describes a global construction team and market access. These are company-reported brokerage and advisory services, not coverage benefits. ³Company-reported. Company-reported advisory services on Aon’s global practice page; account-specific service scope is not stated.

Harper says it issues certificates of insurance the same day a landlord, client or venue requests one, once a policy is in force. ⁶Company-reported. Product-page service claim; not independently timed or confirmed for a particular request.

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You apply for Harper general liability through an online quote form (business details, state, revenue and coverage needs) that a specialist follows up on, rather than an instant-bind online purchase. ⁶Company-reported. Quote form and FAQ observed on the product page.

Confirm in your quote.

The reviewed general liability page does not describe a claims-reporting process or claims-advocacy service specific to this line. ⁶Not found in reviewed sources. Scoped to the general liability product page as read on 2026-09-23; the provider record separately describes general claims assistance across lines, not checked here for this line specifically.