---
title: "At-Bay vs Harper Insurance"
description: "Compare a specialist technology policy with Harper’s brokerage for complex operating risks and ongoing policy administration."
canonical: "https://spot.insure/compare/at-bay-vs-harper"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "At-Bay", "Harper"]
---

[Human-readable page](https://spot.insure/compare/at-bay-vs-harper)

# At-Bay vs Harper Insurance

Compare a specialist technology policy with Harper’s brokerage for complex operating risks and ongoing policy administration.

## Research Scope and Use

Use this comparison to evaluate At-Bay and Harper against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

At-Bay offers cyber and technology liability with security services. Harper describes AI-assisted, human-reviewed brokerage for businesses including contractors, care providers and transportation operators. [1](https://www.at-bay.com/insurance/ "Cyber, Tech E&O & Professional Liability Insurance") [14](https://www.harperinsure.com/ "Harper Homepage") [21](https://www.harperinsure.com/industries "Industries We Serve")



## Introduction

A software business that also sends employees into the field may need more than a technology liability quote. Harper markets brokerage for complex operating businesses, including contracting, care and transportation. At-Bay’s catalogue concentrates on cyber, Tech E&O and professional liability. The comparison should start with which entity and activity each proposed policy will insure. [21](https://www.harperinsure.com/industries "Industries We Serve") [1](https://www.at-bay.com/insurance/ "Cyber, Tech E&O & Professional Liability Insurance")

## Documented Provider Strengths

### At-Bay

- Tech E&O combines professional liability and cyber protection. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product highlights, not an issued policy or universal contract coverage.; verified: 2026-09-16.)
- Stance pairs eligible policies with monitoring, training and cyber advisors; MDR costs extra. [7](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Current service descriptions and footnotes; no claims of effectiveness or independent testing.; verified: 2026-09-16.)

### Harper

- Harper focuses on hard-to-place operations across industries such as contracting, care services, manufacturing and transportation. [21](https://www.harperinsure.com/industries "Industries We Serve") [26](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves") (Evidence: Company-reported; scope: Examples of advertised appetite, not a verified customer census or eligibility guarantee.; verified: 2026-09-15.)
- For workers’ compensation, Harper says it helps classify payroll by job duties and prepare premium-audit information. [23](https://www.harperinsure.com/coverages/workers-compensation "Workers Compensation Insurance") [31](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") (Evidence: Company-reported; scope: Public payroll and audit service description; not independently tested, and state employee thresholds are deliberately not generalized.; verified: 2026-09-15.)

## Coverage Comparison

| Coverage Type | At-Bay | Harper |
| --- | --- | --- |
| Builders risk | Not listed | Listed [14](https://www.harperinsure.com/ "Harper Homepage") |
| Business owner’s policy | Not listed | Listed [20](https://www.harperinsure.com/coverages "What We Cover") |
| Commercial auto | Not listed | Listed [14](https://www.harperinsure.com/ "Harper Homepage") |
| Commercial property | Not listed | Listed [14](https://www.harperinsure.com/ "Harper Homepage") |
| Cyber liability | Listed [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") | Listed [14](https://www.harperinsure.com/ "Harper Homepage") |
| Equipment breakdown | Not listed | Listed [14](https://www.harperinsure.com/ "Harper Homepage") |
| Garage liability | Not listed | Listed [14](https://www.harperinsure.com/ "Harper Homepage") |
| General liability | Not listed | Listed [14](https://www.harperinsure.com/ "Harper Homepage") |
| Liquor liability | Not listed | Listed [20](https://www.harperinsure.com/coverages "What We Cover") |
| Management liability | Not listed | Listed [28](https://partners.harperinsure.com/ "Harper Partners") |
| Medical malpractice | Not listed | Listed [20](https://www.harperinsure.com/coverages "What We Cover") |
| Product liability | Not listed | Listed [20](https://www.harperinsure.com/coverages "What We Cover") |
| Professional liability / E&O | Listed [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") | Listed [20](https://www.harperinsure.com/coverages "What We Cover") |
| Surety bonds | Not listed | Listed [25](https://www.harperinsure.com/coverages/surety-bonds "Surety Bonds") |
| Technology errors and omissions | Listed [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") | Not listed |
| Tools, equipment and inland marine | Not listed | Listed [20](https://www.harperinsure.com/coverages "What We Cover") |
| Umbrella and excess liability | Listed [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [3](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") | Listed [20](https://www.harperinsure.com/coverages "What We Cover") |
| Workers’ compensation | Not listed | Listed [20](https://www.harperinsure.com/coverages "What We Cover") [23](https://www.harperinsure.com/coverages/workers-compensation "Workers Compensation Insurance") |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between at-Bay and Harper

### Payroll Administration and Technology Liability Solve Different Problems

Harper describes workers’ compensation assistance that includes payroll and audit support. At-Bay’s technology product addresses professional and cyber exposures. A company with field employees may use separate placements for these needs; a technology policy should not be used to answer the workforce insurance question. [23](https://www.harperinsure.com/coverages/workers-compensation "Workers Compensation Insurance") [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights")

### AI in the Brokerage Is Not a Security Service

Harper presents its AI system as part of its internal brokerage workflow, with human review. At-Bay’s Stance offering concerns policyholder security, with separately purchased managed detection and response options. Ask about the operational outcome each service is intended to deliver rather than treating both technology descriptions as comparable protection. [26](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves") [30](https://www.harperinsure.com/insurance-insights/why-companies-trust-harper-restructured/ "Why 2000+ Companies Trust Harper For Business Insurance") [7](https://www.at-bay.com/stance/ "At-Bay Stance")

### Agree on an Incident Route Before Work Starts

Harper describes helping with claims documentation and carrier communication, but its reviewed public sources do not establish a dedicated urgent reporting procedure. Its messaging terms warn against relying on texts for urgent matters. At-Bay documents cyber incident coordination; that does not establish claims outcomes or replace the policy’s notice requirements. [30](https://www.harperinsure.com/insurance-insights/why-companies-trust-harper-restructured/ "Why 2000+ Companies Trust Harper For Business Insurance") [15](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") [8](https://www.at-bay.com/claims/ "Claims Handling")

## What to Confirm in Quotes

Ask who owns payroll audits, certificates for field contracts, and after-hours loss reporting. Require the producer and issuing insurer for each line, California acceptance, and itemized buyer charges. Harper’s partner commission-sharing offer is a referral arrangement, not a statement of the customer’s premium or fees. [28](https://partners.harperinsure.com/ "Harper Partners") [15](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions")



## Service Comparison

At-Bay vs Harper Insurance: documented services and availability.

| Criteria | At-Bay | Harper |
| --- | --- | --- |
| Business role | At-Bay offers cyber, technology errors and omissions (Tech E&O), and miscellaneous professional liability insurance. Its disclosed producer, At-Bay Insurance Services LLC, is a property and casualty agency and surplus lines broker; its website says coverage is underwritten by non-admitted insurers. [1](https://www.at-bay.com/insurance/ "Cyber, Tech E&O & Professional Liability Insurance") [5](https://www.at-bay.com/licenses/ "Licenses") (Evidence: Company-reported; scope: US brand and disclosed producer; company statements, not regulatory verification.; verified: 2026-09-16.) | 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. [15](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") [22](https://www.harperinsure.com/coverages/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: Current buyer-facing brokerage description. This does not establish insurer status, universal market access or an independently tested purchasing outcome.; verified: 2026-09-15.)<br><br>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. [15](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") [16](https://www.harperinsure.com/privacypolicy "Privacy Policy") (Evidence: Company-reported; scope: The entity difference is preserved without inferring a parent/subsidiary relationship, merger or error. Georgia independently corroborates the agency corporation; the DBA is company-disclosed.; verified: 2026-09-15.)<br><br>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. [27](https://www.harperinsure.com/industries/insurance-brokers "Insurance Brokers: Wholesale Program") (Evidence: Company-reported; scope: Selective 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.; verified: 2026-09-15.) |
| Customer focus | At-Bay markets Tech E&O to technology businesses. Its current product page states primary and excess appetite up to $5 billion in revenue and $10 million in limits; the broker-platform route has lower published ceilings of $100 million in revenue and $3 million in limits. These are appetite ceilings, not guaranteed offers. [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Current product-page appetite; no inference of pre-revenue, industry-specific or California eligibility.; verified: 2026-09-16.)<br><br>A September 2023 Tech E&O appetite PDF still accessible on At-Bay’s site has lower revenue and limit ceilings than the current product page and lists restricted classes including autonomous AI. It should not be treated as current eligibility guidance; ask underwriting for the applicable appetite version. [12](https://www.at-bay.com/wp-content/uploads/2021/05/At-Bay-Tech-EO-Appetite-Guide-2022.pdf "At-Bay Surplus Tech E&O Appetite Guide") [2](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Legacy document has inconsistent autoquote revenue figures internally. Current HTML controls description of advertised ceilings, but current class eligibility remains unresolved.; verified: 2026-09-16.) | 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. [21](https://www.harperinsure.com/industries "Industries We Serve") [26](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves") (Evidence: Company-reported; scope: Examples of advertised appetite, not a verified customer census or eligibility guarantee.; verified: 2026-09-15.) |
| Application process | At-Bay describes a broker workflow of completing an application, adjusting limits and retentions, reviewing documents, selecting an effective date, and satisfying contingencies and signature requirements before binding. Brokers can also email submissions to underwriting. An online quote is not itself bound coverage. [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") [4](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Company-reported; scope: Public broker workflow; no application submitted and no speed guarantee inferred.; verified: 2026-09-16.) | 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. [14](https://www.harperinsure.com/ "Harper Homepage") (Evidence: Company-reported; scope: Browser inspection of the blank homepage footer form. No data entered or submitted, so later application, quote, payment and binding screens were not tested.; verified: 2026-09-15.)<br><br>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. [19](https://www.ycombinator.com/companies/harper "Harper Company Profile and Founder Launch Post") (Evidence: Company-reported; scope: Founder-authored description hosted by the accelerator; not independent verification of automation quality or a buyer-facing software subscription.; verified: 2026-09-15.)<br><br>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. [16](https://www.harperinsure.com/privacypolicy "Privacy Policy") (Evidence: Company-reported; scope: Privacy sections 3 and 8; stated controls only. No audit of model accuracy, staff review or underwriting delegation.; verified: 2026-09-15.)<br><br>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. [16](https://www.harperinsure.com/privacypolicy "Privacy Policy") (Evidence: Company-reported; scope: Sections 2, 7 and 8. Company-reported data handling, not an independent privacy or security certification.; verified: 2026-09-15.)<br><br>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. [15](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") (Evidence: Company-reported; scope: Section 11, effective August 24, 2026. Does not establish a particular insurer’s required payment or signing sequence.; verified: 2026-09-15.)<br><br>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. [26](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves") (Evidence: Company-reported; scope: February 26, 2026 marketing claim, not independently measured. Current homepage refers to same-week answers, a different milestone; neither is a binding service-level guarantee.; verified: 2026-09-15.) |
| Claims assistance | At-Bay describes an in-house claims team that coordinates with a breach coach and response partners after a cyber incident. Its claims page provides incident reporting routes, and Response & Recovery is integrated with the claims process. This establishes a described support process, not claims payment or service quality. [8](https://www.at-bay.com/claims/ "Claims Handling") [9](https://www.at-bay.com/security/response-recovery/ "Response & Recovery") (Evidence: Company-reported; scope: Cyber incident process; confirm policy-specific notice obligations and consent requirements, including non-cyber E&O claims.; verified: 2026-09-16.) | Harper says its team assists with claims documentation and communication, and advocates with the carrier. This describes brokerage assistance. The insurer named in the policy remains the company responsible for covered losses; claims support is not a promise that a claim will be paid. [30](https://www.harperinsure.com/insurance-insights/why-companies-trust-harper-restructured/ "Why 2000+ Companies Trust Harper For Business Insurance") [31](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") (Evidence: Company-reported; scope: Company support description plus CDI glossary insurer definition. No claims file, administrator agreement or independent claims-quality evidence reviewed.; verified: 2026-09-15.)<br><br>A dedicated claims-reporting procedure, after-hours response commitment and policy-specific notice address were not established in the reviewed Harper sources. Obtain those instructions with your policy. Harper’s messaging terms warn against relying on texts for urgent matters. [30](https://www.harperinsure.com/insurance-insights/why-companies-trust-harper-restructured/ "Why 2000+ Companies Trust Harper For Business Insurance") [29](https://customer.harperinsure.com/ "Customer Portal Entry") [15](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") (Evidence: Not found in reviewed sources; scope: Scoped public-source unknown, not a finding that claims support is unavailable. No assumption that a text to an agent constitutes timely policy notice.; verified: 2026-09-15.) |

## Related Reading

- [What Is At-Bay Insurance?](https://spot.insure/insurance-providers/at-bay)
- [What Is Harper Insurance?](https://spot.insure/insurance-providers/harper)

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## Sources

### [At-Bay Official Website](https://www.at-bay.com/)

1. [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/). At-Bay; Product cards and agency disclosure. Accessed 2026-09-16.
2. [Tech E&O Insurance Coverage and Policy Highlights](https://www.at-bay.com/insurance/tech-eo/). At-Bay; Tech E&O Coverage Highlights; Primary & Excess Appetite; footnotes 1–7; state disclaimer. Accessed 2026-09-16.
3. [Cyber Insurance](https://www.at-bay.com/insurance/cyber/). At-Bay; Cyber Coverage Highlights; Primary & Excess Appetite. Accessed 2026-09-16.
4. [MPL Insurance: Coverage Highlights & Appetite](https://www.at-bay.com/insurance/mpl/). At-Bay; MPL Coverage Highlights; MPL Appetite; state restrictions. Accessed 2026-09-16.
5. [Licenses](https://www.at-bay.com/licenses/). At-Bay; Producer introduction; California row; agency and surplus-lines footer. Accessed 2026-09-16.
6. [Broker Platform](https://www.at-bay.com/brokers/platform/). At-Bay; How it works: Create a quote, Customize your quote, Bind your policy, Manage renewals; FAQs. Accessed 2026-09-16.
7. [At-Bay Stance](https://www.at-bay.com/stance/). At-Bay; Real Protection Against Real Threats; Endpoint, Email, MXDR; footnotes 1 and 3–6. Accessed 2026-09-16.
8. [Claims Handling](https://www.at-bay.com/claims/). At-Bay; At-Bay Cyber Incident Roadmap; The At-Bay Claims Team. Accessed 2026-09-16.
9. [Response & Recovery](https://www.at-bay.com/security/response-recovery/). At-Bay; Minimize Downtime with One Partner; integration with claims process. Accessed 2026-09-16.
10. [Terms of Service](https://www.at-bay.com/terms-of-service/). At-Bay; US terms effective April 11, 2023: Insurance Product Terms; Payment Policy; Service. Accessed 2026-09-16.
11. [At-Bay Begins Issuing Policies on its own E&S Paper](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/). At-Bay; August 9, 2023 release: opening paragraph and new-business transition effective August 7, 2023. Accessed 2026-09-16.
12. [At-Bay Surplus Tech E&O Appetite Guide](https://www.at-bay.com/wp-content/uploads/2021/05/At-Bay-Tech-EO-Appetite-Guide-2022.pdf). At-Bay; Pages 1–2; September 2023 copyright; revenue and limit statements; Restricted classes. Accessed 2026-09-16.
13. [At-Bay Doubles Miscellaneous Professional Liability Appetite](https://www.at-bay.com/press_releases/at-bay-doubles-mpl/). At-Bay; September 28, 2023 release: final paragraph before Media Contacts. Accessed 2026-09-16.

### [Harper Official Website](https://www.harperinsure.com/)

14. [Harper Homepage](https://www.harperinsure.com/). Harper; Opening process; coverage cards; industry examples; insurer-logo panel; quote-request form; legal footer. Accessed 2026-09-15.
15. [Text Messaging Terms and Conditions](https://www.harperinsure.com/sms-terms). Harper Global Enterprises Inc.; Effective August 24, 2026; sections 1–3 (entity, consent and service messages), 5 (message costs), 9 (delivery) and 11 (coverage confirmation). Accessed 2026-09-15.
16. [Privacy Policy](https://www.harperinsure.com/privacypolicy). Harper Group Corp.; Introduction; sections 2–3 on information collection and decision review; sections 7–8 on AI vendors, internal model training and human oversight. Accessed 2026-09-15.
17. [Georgia Agency License Inquiry: Harper Global Enterprises Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y). Georgia Office of Commissioner of Insurance and Safety Fire, via Sircon; Select Georgia, Agency, license 237101, then Submit. Result for HARPER GLOBAL ENTERPRISES INC., NPN 21740058: license and qualification tables (session-based result). Accessed 2026-09-15.
18. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; License-number search for 6017784; CAPTCHA validation failed before a result was returned. Accessed 2026-09-15.
19. [Harper Company Profile and Founder Launch Post](https://www.ycombinator.com/companies/harper). Y Combinator / Harper founders; Company description and founder launch: complex commercial risks; internal Harper Hub form completion, carrier matching and communications; autonomy described as a goal. Accessed 2026-09-15.
20. [What We Cover](https://www.harperinsure.com/coverages). Harper; Coverage directory links and coverage choices in the public intake form. Accessed 2026-09-15.
21. [Industries We Serve](https://www.harperinsure.com/industries). Harper; Industry directory and introductory customer focus: construction, care providers and auto dealers among the listed businesses. Accessed 2026-09-15.
22. [General Liability Insurance](https://www.harperinsure.com/coverages/general-liability). Harper; Product introduction, certificate-request instructions, specialist-led placement steps and cost FAQ. Accessed 2026-09-15.
23. [Workers Compensation Insurance](https://www.harperinsure.com/coverages/workers-compensation). Harper; Payroll classification discussion and FAQs about audits and pricing. Accessed 2026-09-15.
24. [Security Guards Insurance](https://www.harperinsure.com/industries/security-guards). Harper; Description of guard businesses, coverage categories, use-of-force risks and service features. Accessed 2026-09-15.
25. [Surety Bonds](https://www.harperinsure.com/coverages/surety-bonds). Harper; Bond categories, repayment obligations and timing FAQ. Accessed 2026-09-15.
26. [We're Announcing $47M to Build the Insurance Company Every Business Deserves](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement). Harper / Dakotah Rice; February 26, 2026 article: brokerage identity; AI-assisted submissions and follow-ups; 24–48-hour coverage statement; more than 165 underwriters; plans for additional direct appointments. Accessed 2026-09-15.
27. [Insurance Brokers: Wholesale Program](https://www.harperinsure.com/industries/insurance-brokers). Harper; Specialty and non-admitted markets, selective binding authority FAQ, white-label options and commission FAQ. Accessed 2026-09-15.
28. [Harper Partners](https://partners.harperinsure.com/). Harper; Referral terms and FAQs covering commission split, timing, account ownership and service duties; illustrative example; footer qualification for unlicensed referral sources. Accessed 2026-09-15.
29. [Customer Portal Entry](https://customer.harperinsure.com/). Harper; Public entry page: listed functions, invitation-based sign-in instructions and service-team contact. Accessed 2026-09-15.
30. [Why 2000+ Companies Trust Harper For Business Insurance](https://www.harperinsure.com/insurance-insights/why-companies-trust-harper-restructured/). Harper Insurance Team; Article dated January 21, 2025: carrier ratings, pricing transparency, claims support and ongoing management. Accessed 2026-09-15.
31. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Form 700, revised June 14, 2024; purchasing through a broker-agent, commercial claims, surplus lines, and glossary definition of insurer. Used for role distinctions, not nationwide legal rules. Accessed 2026-09-15.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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