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Berkshire Hathaway Specialty Insurance vs Harper

Harper’s intake lists many small-business industries and asks applicants for their operations, state, revenue estimate and needed coverages, including workers’ compensation, property and cyber. It positions itself for businesses that have struggled to find insurance and connects buyers to markets. BHSI publishes a broader specialty portfolio organized by product and industry, with nonbinding online intake and contracted-agent binding. A local contractor or unusual small business can compare Harper’s broad broker search with a targeted BHSI specialty submission, while requesting written confirmation of the market, forms and effective date. 33,32,26,27,1,5

Introduction

Harper presents a small-business broker intake that asks what the company does, its state and estimated revenue, and which coverages it needs. Its industry directory spans many trades and services, and the page invites businesses that have been told they are difficult to insure to describe their needs so Harper can approach insurers. Its coverage menu includes general liability, property, cyber, commercial auto, professional liability and workers’ compensation. BHSI publishes specialty products organized by industry and line; its website terms say online submissions are nonbinding and reserve binding to contracted National Indemnity group agents with state authority. For a small contractor, care provider or specialty trade with several operations, Harper’s broad broker-market search is a distinct starting route; a buyer targeting BHSI should submit the specific exposure through an authorized channel. Neither directory establishes that a carrier will quote or that any requested line is included.

Businesses in hard-to-place industries can ask Harper for broker help; its listed specialties include contracting, restaurants, auto, care, manufacturing and transportation. 33,38Company-reported. Examples of advertised appetite, not a verified customer census or eligibility guarantee.

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. 26Company-reported. Browser inspection of the blank homepage footer form. No data entered or submitted, so later application, quote, payment and binding screens were not tested.

33 32 1 5

Coverage Comparison

CoverageBerkshire Hathaway Specialty InsuranceHarper
Builders riskListed 22BHSI’s current U.S. Builder’s Risk page lists construction-project coverage, including hot testing/commissioning, delay and soft-cost features, and selectively considered Master Builder’s Risk programs. Project scope, eligibility, terms and issuer remain policy-specific.Listed 26Harper includes builders risk in its construction and contractor insurance offering.
Business owner’s policyNot listedListed 32Harper accepts business owner’s policy inquiries through its coverage intake.
Cargo and transitListed 9,10BHSI's current Marine catalog lists Ocean Cargo, Stock Throughputs, and Project Cargo. The older US-12/22-A guide lists Project Cargo as out of appetite, so confirm its current status; BHSI lists Inland Marine separately.Not listed
Commercial autoNot listedListed 26Harper lists commercial auto insurance and describes approaching insurers for customers.
Commercial propertyListed 11,12BHSI lists all-risk commercial property and selected single-peril options, including earthquake, flood, and windstorm.Listed 26Harper lists commercial property insurance and describes approaching insurance companies for customers.
CrimeListed 14BHSI lists Commercial Crime within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, employment-practices, fiduciary and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not a crime-specific limit. Crime coverage is distinct from fidelity bonds.Not listed
Cyber liabilityListed 23,18BHSI markets a U.S. Network Security & Privacy product with third-party breach, response-expense and network-interruption features; its Professional First overview also describes stand-alone Cyber and blended E&O/Cyber forms. Product form, eligibility, terms and issuer depend on the risk and policy.Listed 26Harper lists cyber insurance and describes approaching insurers for customers.
Directors and officersListed 13,14Executive First D&O liability materials describe separate public-company and private-company products.Not listed
Employment practices liabilityListed 14BHSI lists employment-practices liability within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, fiduciary, crime and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not an EPL-specific limit.Not listed
Fiduciary liabilityListed 14BHSI lists fiduciary liability within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, employment-practices, crime and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not a fiduciary-specific limit.Not listed
Garage liabilityNot listedListed 26Harper lists garage liability among the coverages its brokerage handles.
General liabilityListed 15,16BHSI lists primary general liability, with contractor and pollution features described in its casualty materials.Listed 26Harper lists general liability in its business-insurance services and quote inquiry.
Liquor liabilityNot listedListed 32Harper includes liquor liability in its coverage directory and insurance-placement service.
Management liabilityNot listedListed 40Harper arranges management liability insurance through its partner brokerage service.
Media liabilityListed 18,19BHSI’s Professional First overview names Media Liability, and its architects/engineers product describes media liability only within a specialized combined design-industry form. The overview’s catalogue listing does not establish standalone terms or current account availability.Not listed
Medical malpracticeNot listedListed 32Harper arranges medical malpractice insurance.
Product liabilityListed 15,16BHSI lists primary products and completed-operations liability as a casualty product.Listed 32Harper includes product liability in its coverage directory.
Professional errors and omissions (E&O)Listed 17,18,19Professional First materials describe a professional-liability portfolio with several professions and service types.Listed 32Harper includes professional liability in its coverage directory and quote intake as claims about work or advice.
Representations and warrantiesListed 20,21BHSI lists Representations & Warranties Insurance within its Transactional Liability products.Not listed
Surety bondsListed 24BHSI’s U.S. Surety page lists performance, payment, advance-payment, maintenance, supply and warranty bonds for contractor and construction-supplier accounts. Bond obligations depend on the bond form, principal, obligee and jurisdiction; this catalogue listing does not establish bond approval or terms.Listed 37Harper arranges license, permit and contract surety bonds.
Technology errors and omissions (E&O)Listed 18,19Professional First materials identify Technology E&O as a professional-liability product.Not listed
Tools, equipment and inland marineListed 9BHSI lists inland transit, motor-truck cargo, warehouse legal liability, contractor equipment, and floaters under Inland Marine.Listed 32Harper arranges inland marine coverage for tools and equipment that leave the shop.
Umbrella and excess liabilityListed 15,16BHSI lists lead umbrella and excess casualty within its U.S. casualty products.Listed 32Harper arranges umbrella insurance.
Workers’ compensationNot listedListed 32,35Harper arranges workers’ compensation insurance.

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

Current Spot Scores

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

Berkshire Hathaway Specialty Insurance

Carrier

Carrier & MGA

7.0/ 10

Assessed entity: Berkshire Hathaway Specialty Insurance Company. Scope: Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator records and AM Best. It does not cover policies issued by affiliates under the BHSI brand (for example Berkshire Hathaway International Insurance Ltd in the U.K.), and it is not a claims-outcome measure.

Provider assessment

Harper

Broker

Broker

5.9/ 10

Assessed entity: Harper Global Enterprises Inc.. Scope: Limited to the licensed agency Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency, acting as a commercial insurance broker. Harper Group Corp., its parent, is described but not separately assessed. A December 2025 federal disclosure links the two.

Provider assessment

Review Scores

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

Berkshire Hathaway Specialty Insurance

-/ 10

Review Score

The public ratings for Berkshire Hathaway Specialty Insurance are low but thin: Trustpilot shows 2.1 out of 5 from 9 reviews and BBB shows 1 out of 5 from 6. Both mix travel and commercial customers, so we don't count them in a score.[5][7]

Read Berkshire Hathaway Specialty Insurance reviews

Harper

-/ 10

Review Score

We found no customer star rating for Harper. Its Trustpilot page has 0 reviews, and BBB shows 0 customer reviews and 2 complaints.[4][6]

Read Harper reviews

Key Differences Between Harper and Berkshire Hathaway Specialty Insurance

Hard-to-place small-business search and specialty underwriting

Harper’s public intake invites businesses that have struggled to obtain coverage and lists industries from adult care and contractors to manufacturing and transportation. It asks applicants to identify desired coverages so its broker team can search the market; the intake list does not establish that Harper accepts a risk or that an insurer will quote it. BHSI’s guide presents its specialty products and customer sectors, with appetite determined by the specific submission. A small business whose operations span unusual trades, vehicles and premises can use Harper’s intake to describe the whole risk and ask which markets it will approach. A BHSI submission should identify the specific product and operations for underwriting review; a listed sector is not an acceptance decision.

Businesses in hard-to-place industries can ask Harper for broker help; its listed specialties include contracting, restaurants, auto, care, manufacturing and transportation. 33,38Company-reported. Examples of advertised appetite, not a verified customer census or eligibility guarantee.

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. 27,34Company-reported. Current buyer-facing brokerage description. This does not establish insurer status, universal market access or an independently tested purchasing outcome.

BHSI's U.S. industry focus spans real estate, public entities, financial institutions, healthcare, education, manufacturing, retail, logistics, transportation, energy, and technology. The at-a-glance guide associates these industries with particular product segments; it does not say every segment serves every listed industry. 1Company-reported. Company-stated industry focus in the United States section of the At A Glance (U.S. section version 2026-8-03 A); industry lists are segment-specific, not a universal eligibility statement.

Coverage request and effective-date confirmation

Harper’s online form separates the buyer’s operating description from a menu of requested coverages, including workers’ compensation, cyber and equipment/property needs. Harper’s messaging terms say insurance is not bound or changed until Harper and the insurer confirm it in writing; ask for that confirmation after submitting the form. BHSI similarly treats its online intake as nonbinding and limits binding authority to contracted agents authorized in the state. A business needing a lease certificate or contract limit by a deadline should identify the party arranging each policy and obtain a binder or issued policy before relying on the requested coverage.

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. 26Company-reported. Browser inspection of the blank homepage footer form. No data entered or submitted, so later application, quote, payment and binding screens were not tested.

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. 27Company-reported. Section 11, effective August 24, 2026. Does not establish a particular insurer’s required payment or signing sequence.

BHSI's website terms say online application or quote submissions are informational and nonbinding; only contracted agents of the National Indemnity group may bind coverage, issue policies or certificates, or change coverage. Group companies' authority also varies by state, so the terms do not show that every application must begin through an agent. 5Company-reported. The website's own online submissions and binding authority described by BHSI's terms; not a statement about every product's intake process or a claim that purchase can be completed online.

What to Confirm in Quotes

  • Ask Harper which insurers it approached, which lines are separate policies, whether workers’ compensation classifications reflect all duties and locations, and request the written binding confirmation required by its messaging terms. 33 27
  • Ask BHSI which product and insurer would address each operation and identify the contracted agent with state authority to bind. 1 5
  • Compare location schedules, payroll/revenue basis, exclusions, limits and certificates across the actual policies; a broad industry menu is not an offer. 32 5

Compare Services

What each provider documents about the services you may need

CriteriaBerkshire Hathaway Specialty InsuranceHarper
Business role

BHSI’s U.S. At A Glance section (version 2026-8-03 A) lists commercial property, casualty, healthcare professional liability, executive and professional lines, surety, travel, programs, employer stop loss, and homeowners insurance. The guide is informational, not policy coverage, and its brand-level list does not identify the insurer on a particular policy. 1,2,5Company-reported. A description of BHSI's U.S. line list in its U.S. At A Glance section (version 2026-8-03 A) only. The guide says its descriptions are informational and are not coverage; its brand-level list does not assign an issuing insurer to a particular product or policy. This is not a claim that one legal insurer issues every BHSI product.

Berkshire Hathaway Specialty Insurance Company (BHSIC) identifies itself in its Singapore-branch public disclosure as a Nebraska-domiciled direct property and casualty insurer, wholly owned by National Indemnity Company, which is wholly owned by Berkshire Hathaway Incorporated. The Singapore-branch disclosure states this ownership chain. A Missouri Department of Insurance record separately lists BHSIC as active, NAIC 22276, and Property and Casualty in Missouri. Neither source identifies BHSIC as the issuer of every BHSI-branded U.S. policy. 3,4,5Company-reported. Company-reported corporate identity and ownership in BHSI's Singapore-branch public disclosure, corroborated for company identity and Missouri P&C authority by the Missouri Department of Insurance record accessed 2026-09-28. Neither source maps BHSIC as issuer for every BHSI-branded U.S. product; use policy-specific documents for that.

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. 27,34Company-reported. Current 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. 25,28,27Verified. Parent 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. 39Company-reported. 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.

Customer focus

BHSI's U.S. industry focus spans real estate, public entities, financial institutions, healthcare, education, manufacturing, retail, logistics, transportation, energy, and technology. The at-a-glance guide associates these industries with particular product segments; it does not say every segment serves every listed industry. 1Company-reported. Company-stated industry focus in the United States section of the At A Glance (U.S. section version 2026-8-03 A); industry lists are segment-specific, not a universal eligibility statement.

Within its U.S. executive-lines commercial and financial segment, BHSI lists publicly traded and large privately owned commercial firms; investment, money-center, national, and regional banks; asset managers; and insurance companies and brokerages. The size description applies to the commercial-firm entry, not every listed institution or all BHSI products. 1Company-reported. Only the U.S. Executive Lines, Commercial & Financial segment, At A Glance p. 50. The “publicly traded and large privately owned” qualifier attaches to the Commercial Firms bullet only.

Businesses in hard-to-place industries can ask Harper for broker help; its listed specialties include contracting, restaurants, auto, care, manufacturing and transportation. 33,38Company-reported. Examples of advertised appetite, not a verified customer census or eligibility guarantee.

Application process

BHSI's website terms say online application or quote submissions are informational and nonbinding; only contracted agents of the National Indemnity group may bind coverage, issue policies or certificates, or change coverage. Group companies' authority also varies by state, so the terms do not show that every application must begin through an agent. 5Company-reported. The website's own online submissions and binding authority described by BHSI's terms; not a statement about every product's intake process or a claim that purchase can be completed online.

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. 26Company-reported. Browser 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. 31Company-reported. Founder-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. 28Company-reported. Privacy 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. 28Company-reported. Sections 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. 27Company-reported. Section 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. 38Company-reported. 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.

Sources

Berkshire Hathaway Specialty Insurance Official Website

  1. At A Glance. Berkshire Hathaway Specialty Insurance; United States section, zero-based PDF pages 49–53 (viewer pages 50–54): product/industry lists on pages 49–50; U.S. disclosure/version footer on page 53 is 2026-8-03 A. The 2026-09-14 A footer is on preceding European page 48, not the U.S. section. Accessed 2026-09-29.
  2. About Us. Berkshire Hathaway Specialty Insurance; About BHSI; company profile page re-opened through official site on 2026-09-28; company says it is part of National Indemnity group. Accessed 2026-09-28.
  3. Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch. Berkshire Hathaway Specialty Insurance; Singapore branch public disclosure, Company Profile ¶¶ 1–2; direct page opened 2026-09-28. ¶ 1 identifies BHSIC as a Nebraska-domiciled direct P&C insurer; ¶ 2 states BHSIC is wholly owned by National Indemnity Company, itself wholly owned by Berkshire Hathaway Incorporated. Accessed 2026-09-28.
  4. Company Details — Berkshire Hathaway Specialty Insurance Company. Missouri Department of Insurance; Company Details fields: legal name, active license status, NAIC number 22276, and Property and Casualty description; Missouri regulator record also lists 2025 property-casualty lines. Accessed 2026-09-28. Accessed 2026-09-28.
  5. Terms of Service. Berkshire Hathaway Specialty Insurance; Important Information Concerning Use of this Web Site, paragraphs 2–4; nonbinding submissions, contracted-agent authority, state variation, product availability and policy-specific terms. Accessed 2026-09-28.
  6. United States. Berkshire Hathaway Specialty Insurance; United States products directory, opened 2026-09-28. Rendered page lists U.S. category links and Casualty/Property headings (lines 6–44); this directory view is navigation, not the linked product pages or a full review of product materials. Accessed 2026-09-28.
  7. Claims — United States. Berkshire Hathaway Specialty Insurance; Claims Reporting, lines 34–91; separate product-specific directions, then “All other claims” email, 24-hour toll-free phone, postal/overnight mail. Accessed 2026-09-28.
  8. Claims Excellence — United States. Berkshire Hathaway Specialty Insurance; Claims Service Standards, version US 2024-10-07A in footer/document end; page 2 lines 30–34 describe coverage discussion and third-party settlement communications. Accessed 2026-09-28.
  9. Marine. Berkshire Hathaway Specialty Insurance; Inland and ocean marine product list, covered property classes and target businesses; lines 18-69. Accessed 2026-09-28.
  10. Ocean Marine Cargo Overview. Berkshire Hathaway Specialty Insurance; Two-page U.S. marketing PDF marked US-12/22-A; product types lines 14-20; ocean marine cargo appetite, capacity and placement lines 43-57; out-of-appetite and target risk characteristics lines 58-72; terms disclaimer lines 103-114. Accessed 2026-09-28.
  11. Property. Berkshire Hathaway Specialty Insurance; All-risk, single-peril, catastrophe, inland/ocean marine and builder's risk offerings; target account descriptions. Accessed 2026-09-28.
  12. General Property Appetite Guide. Berkshire Hathaway Specialty Insurance; Page 1: minimum premium, product/forms, territory, attachment and working capacity; page 2 footer identifies 2026-02-10 A; lines 0-9, 89-99. Accessed 2026-09-28.
  13. Executive First Directors & Officers Liability Insurance. Berkshire Hathaway Specialty Insurance; Product Highlights: government investigations, shareholder derivative actions, late-notice qualification, defense counsel selection; Top Targets: large commercial and financial firms, lines 6–19. Accessed 2026-09-28.
  14. Executive First Private Company Portfolio. Berkshire Hathaway Specialty Insurance; Product Highlights: D&O, EPL, Fiduciary, Commercial Crime and Employed Lawyers in one comprehensive form; shared or separate limits to $50m; EPL First services. Top Targets: private companies at $10m+ revenues and listed industries, lines 11–25. Portfolio limit is not a separate line limit. Accessed 2026-09-28.
  15. Casualty Appetite Guide - U.S. Berkshire Hathaway Specialty Insurance; Casualty appetite PDF page 1: $50K minimum premium, GL/products/lead umbrella/excess lines, selected $10M excess capacity, placement forms and target/avoided classes; guide dated 2026-07-15. Accessed 2026-09-28.
  16. Casualty. Berkshire Hathaway Specialty Insurance; US casualty product lines and features: Primary General Liability lines 10-34; Primary Products/Completed Operations Liability 35-44; Lead Umbrella and Excess Casualty 46-63. Accessed 2026-09-28.
  17. Professional First Professional Liability. Berkshire Hathaway Specialty Insurance; U.S. Professional Liability landing page links Professional Liability / Network Security & Privacy, stand-alone Network Security & Privacy, and Architects, Engineers and Consultants PL, lines 6–15; footer copyright © 2026. Accessed 2026-09-28.
  18. Professional First Professional Liability Overview. Berkshire Hathaway Specialty Insurance; PDF pp.1–2: claims group and reporting; primary blended E&O/Cyber and stand-alone Cyber forms; line capacity statement; named Lawyers PL, Technology E&O, Miscellaneous PL, Media Liability, Network Security & Privacy; named technology-services target types and selection categories; dated 2026-06-03-A. Group capacity not a line policy limit. Source version: 2026-06-03-A. Accessed 2026-09-28.
  19. Professional First Architects, Engineers and Consultants Professional Liability. Berkshire Hathaway Specialty Insurance; Product Highlights: professional/pollution liability; media, technology and cyber/network security/privacy liability; direct breach/extortion expenses; risk services; primary/excess and project-specific product availability; target professions, lines 6–29. Its combined-form technology feature is not itself a standalone Tech E&O statement. Accessed 2026-09-28.
  20. Transactional Liability. Berkshire Hathaway Specialty Insurance; Product Highlights list R&W, tax, contingent-liability and class-action-settlement insurance; Top Targets list manufacturing, financial institutions, technology, real estate, energy, healthcare and retail, lines 6–27. The target list is for the transactional-liability portfolio, not exclusive R&W eligibility. Accessed 2026-09-28.
  21. Transactional Liability Overview. Berkshire Hathaway Specialty Insurance; PDF pp.1–2: R&W, tax, contingent-liability, and class-action-settlement products; portfolio-wide primary/excess and up-to-$25m capacity; premiums/retentions vary by transaction/risk; portfolio appetite and in-house claims group; R&W buyer-use descriptions; dated 2025-05-16-A. Product-specific limits and final terms not stated. Source version: 2025-05-16-A. Accessed 2026-09-28.
  22. Builder’s Risk. Berkshire Hathaway Specialty Insurance; Current U.S. page: all-risk, hot testing/commissioning, delay/startup/soft costs, single-peril/DIC primary/excess; separate EAR and CAR target categories; Master Builder’s Risk selectively considered, lines 6–35. Reopened 2026-09-28. Accessed 2026-09-28.
  23. Professional First Network Security & Privacy Policy. Berkshire Hathaway Specialty Insurance; Product Highlights: third-party breach exposures, regulatory investigations/fines/penalties, direct breach/extortion expenses, electronic-content media liability, business interruption from network-security failure, eRiskHub; Top Targets: professional-services firms, lines 6–19. Accessed 2026-09-28.
  24. Surety. Berkshire Hathaway Specialty Insurance; Product Highlights name performance, payment, advance-payment, maintenance, supply and warranty bonds; Top Targets name regional/national/global contractors and construction suppliers/services; PPP/project-delivery capability; lines 6–32. Accessed 2026-09-28.

Harper Official Website

  1. Davis v. Harper Global Enterprises Inc. CourtListener; N.D. Ga. 1:25-cv-05899, docket entry 9 December 2025: Certificate of Interested Persons and Corporate Disclosure Statement by Harper Global Enterprises Inc. identifying Corporate Parent Harper Group Corp. Accessed 2026-09-29.
  2. Harper Homepage. Harper; Opening insurer-shopping process; What we cover: Commercial property, Commercial auto, Cyber, Garage liability and General liability insurance; Industries We Serve, including Construction & Contractors, Manufacturing and Auto Repair & Service; insurer-logo panel; quote-request form, including property and work-vehicle options; Get covered invitation; legal footer. Accessed 2026-09-16.
  3. Text Messaging Terms and Conditions. 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.
  4. Privacy Policy. 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.
  5. Georgia Agency License Inquiry: Harper Global Enterprises Inc. Georgia Office of Commissioner of Insurance and Safety Fire, via Sircon; Georgia agency license 237101 record for HARPER GLOBAL ENTERPRISES INC., NPN 21740058: license and qualification tables. Accessed 2026-09-15.
  6. California License Number Search. California Department of Insurance; License-number search for 6017784. Accessed 2026-09-15.
  7. Harper Company Profile and Founder Launch Post. 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.
  8. What We Cover. Harper; Coverage directory: Liquor Liability, Medical Malpractice, Product Liability, Professional Liability, Umbrella, Workers Compensation; intake What do you need covered?: Property and liability bundled together, Claims about my work or advice (professional liability), Tools and equipment that leave the shop (inland marine), Umbrella; broker footer. Accessed 2026-09-16.
  9. Industries We Serve. Harper; Industry directory and introductory customer focus: construction, care providers and auto dealers among the listed businesses. Accessed 2026-09-15.
  10. General Liability Insurance. Harper; Product introduction, certificate-request instructions, specialist-led placement steps and cost FAQ. Accessed 2026-09-15.
  11. Workers Compensation Insurance. Harper; Workers Compensation Insurance product hero; What is Workers Compensation insurance?; Why Harper / insurer options; payroll classification discussion; FAQs about audits and pricing. Accessed 2026-09-16.
  12. Security Guards Insurance. Harper; Description of guard businesses, coverage categories, use-of-force risks and service features. Accessed 2026-09-15.
  13. Surety Bonds. Harper; Surety Bonds: license and permit bonds; contract bid, performance and payment bonds; repayment obligations and timing FAQ. Accessed 2026-09-16.
  14. We're Announcing $47M to Build the Insurance Company Every Business Deserves. 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.
  15. Insurance Brokers: Wholesale Program. Harper; Specialty and non-admitted markets, selective binding authority FAQ, white-label options and commission FAQ. Accessed 2026-09-15.
  16. Harper Partners. Harper; Referral terms and FAQs covering commission split, timing, account ownership and service duties; Partner FAQ: What commercial lines can I send? (including management liability; Harper handles quoting, binding, servicing and renewals); illustrative example; footer qualification for unlicensed referral sources. Accessed 2026-09-16.
  17. Customer Portal Entry. Harper; Public entry page: listed functions, invitation-based sign-in instructions and service-team contact. Accessed 2026-09-15.
  18. Why 2000+ Companies Trust Harper For Business Insurance. Harper Insurance Team; Article dated January 21, 2025: carrier ratings, pricing transparency, claims support and ongoing management. Accessed 2026-09-15.
  19. Commercial Insurance Guide. California Department of Insurance; Form 700, revised June 14, 2024; purchasing through a broker-agent, commercial claims, surplus lines, and glossary definition of insurer. Accessed 2026-09-15.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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