Armilla vs Harper: How Do They Compare for Business Insurance?

Armilla offers AI insurance, performance warranties and model assessments, but the insurer—not the brand—takes on policy risk. Armilla describes its insurance operation as an MGA and Armilla Insurance Services as a Lloyd’s coverholder. ^3,1,6Company-reportedCompany descriptions of the Armilla brand and insurance operation; delegated authority and producer licensing have not been independently verified.

The reviewed corporate record identifies Armilla Insurance Services Inc. but does not establish California insurance authority; verify the licensed producer on your quote. Florida’s registry lists the company as a Delaware corporation. ⁸VerifiedExact entity spelling in corporate filing F24000002598, inspected on September 16, 2026. No California producer lookup was completed.

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. ^11,18Company-reportedCurrent buyer-facing brokerage description. This does not establish insurer status, universal market access or an independently tested purchasing outcome.

Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency, is the licensed agency. In a 9 December 2025 federal filing, that company identified Harper Group Corp. as its corporate parent. Harper still does not publish terms saying which company contracts with you or how you are charged. ^9,12,11VerifiedParent relationship from the federal docket entry. The DBA is company-disclosed. No terms of service were found naming the contracting party.

Other brokers can ask Harper about wholesale and non-admitted-market access, but its page does not identify the delegated insurers, products, states or limits; this does not make Harper the insurer. ²³Company-reportedSelective authority expressly claimed by company, not inferred from AI. No delegation contract or named binding program obtained. Non-admitted means the insurer is not licensed as an admitted insurer in the state of placement.

Expect an AI risk assessment before Armilla proposes insurance or a warranty; its site directs buyers to contact the team, and coverage requires written confirmation and completed underwriting. ^2,1Company-reportedPublished process, not a submitted application, quote, binding test or promised turnaround.

You can request a quote by providing business, revenue, state, operations and coverage details; the form starts an inquiry and does not show a premium or issued policy. ¹⁰Company-reportedBrowser inspection of the blank homepage footer form. No data entered or submitted, so later application, quote, payment and binding screens were not tested.

Harper says its internal Hub software helps staff complete forms, identify markets and manage client communication; the launch announcement describes greater automation as a future direction. ¹⁵Company-reportedFounder-authored description hosted by the accelerator; not independent verification of automation quality or a buyer-facing software subscription.

Harper says AI extracts document details, drafts messages and organizes follow-up, while licensed staff and carriers review eligibility and binding decisions; automated marketing does not mean a machine approves coverage alone. ¹²Company-reportedPrivacy sections 3 and 8; stated controls only. No audit of model accuracy, staff review or underwriting delegation.

Before uploading sensitive records, understand how Harper uses them: its privacy policy says applications and loss data help train Harper’s models, while enterprise AI vendors say they do not train foundation models on customer data. ¹²Company-reportedSections 2, 7 and 8. Company-reported data handling, not an independent privacy or security certification.

Do not rely on a text message to start or change coverage: Harper’s terms require written confirmation from Harper and the insurer, and text quotes remain subject to underwriting. ¹¹Company-reportedSection 11, effective August 24, 2026. Does not establish a particular insurer’s required payment or signing sequence.

Harper advertises a 24–48-hour placement time, but it is a company estimate rather than a deadline; ask what approvals and documents remain before relying on a start date. ²²Company-reportedFebruary 26, 2026 marketing claim, not independently measured. Current homepage refers to same-week answers, a different milestone; neither is a binding service-level guarantee.

Armilla says buyers begin with an AI risk assessment before it customizes an insurance or warranty proposal. Confirm the assessment deliverables, monitoring and retesting terms in the proposal. ²Company-reportedInitial assessment described on the AI insurance page; reviewed evidence does not establish specific assessment deliverables, monitoring or retesting terms.

Price monitoring and retesting separately unless the proposal includes them: reviewed pages do not explain insurance renewal or whether ongoing model monitoring is included in premium. ^5,2Not publicly disclosedLimited to public product and assessment pages reviewed September 16, 2026.

Harper says it can classify payroll by employees’ duties and prepare premium-audit information for workers’ compensation; audits can change the premium, and this is not a guarantee that cost stays fixed. ^19,27Company-reportedPublic payroll and audit service description; not independently tested, and state employee thresholds are deliberately not generalized.

If another agent refers you, confirm who will be your ongoing contact: Harper says it owns the account and handles placement, service, renewals and claims, while the referring agent has no service duties. ^24,23Company-reportedDistinct advertised programs; not assumed contradictory or contractually identical. Account ownership is the program’s language, not a finding that a buyer cannot change brokers.

Harper’s portal advertises policy, certificate, payment and application-status access; customers need an invitation and should ask support about features available after sign-in. ²⁵Company-reportedPublic entry page viewed and captured without authenticating, requesting an invitation or supplying contact information.

Harper describes policy reviews and renewal reminders, but not a guaranteed renewal price or a commitment to shop every policy; agree on the renewal plan with your team. ^26,11Company-reportedCompany service statements; no customer service agreement or renewal proposal inspected.

Before a claim, ask who receives notice and manages it: Armilla describes claims reported during the policy period and offers incident coordination, but reviewed pages do not name a claims administrator or provide a complete reporting process. ^2,1Company-reportedPublic claims framework and incident assistance only; no policy notice provisions or performance evidence reviewed.

Harper says brokers help with claims documents and carrier communication, but the insurer decides covered losses and payment; advocacy does not guarantee a claim is paid. ^26,27Company-reportedCompany support description plus CDI glossary insurer definition. No claims file, administrator agreement or independent claims-quality evidence reviewed.

Get the policy-specific notice address and after-hours instructions before coverage starts: reviewed sources do not establish a dedicated claims procedure, and Harper says texts are not for urgent matters. ^26,25,11Not found in reviewed sourcesScoped public-source unknown, not a finding that claims support is unavailable. No assumption that a text to an agent constitutes timely policy notice.