CNA vs Harper: How Do They Compare for Professional Liability (E&O) Insurance?

CNA describes Epack 3 as combining technology and professional liability with cyber and media in a modular policy; EPS Plus combines E&O and cyber for professional-services firms. ^4,5Company-reported. These are separate product routes and are not evidence that technology E&O and miscellaneous E&O share identical wording.

Harper places professional liability coverage as a broker, writing the policy around the applicant's actual services rather than underwriting it, and describes a specialist handling the placement. ⁸Company-reported. Professional liability page introduction and 'Why Harper' section.

Harper markets the identical policy under two catalogue entries, "Professional Liability" and "Errors and Omissions"; the E&O page states it is the same policy, just named what a given industry calls it. ^9,10Company-reported. Coverage directory listing plus the E&O page's own description; a naming convention Harper states about itself, not a distinction between two products.

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The reviewed pages name pricing drivers (services performed, revenue, contract size) but do not name the issuing insurer or publish specific limit, retention or premium figures for this line. ^8,9Not publicly disclosed. Checked both the professional-liability and errors-and-omissions pages on 2026-09-23; neither names a carrier or a limit figure.

CNA says its Miscellaneous Professional Liability targets non-licensed professional classes such as consultants, staffing firms, advertising agencies and event planners. ⁴Company-reported. The listed classes are a target list, not a complete or guaranteed eligibility rule.

Harper targets consultants, agencies, tech firms and licensed professionals whose work product is advice, design or a decision, since general liability doesn't cover a client claiming that work caused a financial loss. ⁸Company-reported. Professional liability page introduction and FAQ distinguishing it from general liability.

CNA markets Technology E&O for technology businesses facing professional-liability exposures and says it is intended to support contractual requirements. ⁴Company-reported. The page is a summary and does not define covered services, contract exceptions or policy triggers.

Harper describes coverage for errors and omissions in the work itself, negligence allegations about professional judgment, and legal defense costs, with limits it says are matched to the client contracts that require the policy. ^8,9Company-reported. Professional liability page's four coverage tiles; the E&O page adds that claims often surface a year or more after the work was delivered. The issued policy and its exclusions control actual scope.

CNA describes dedicated claims and risk-control support for its cyber, media, technology and professional-liability business. ⁴Company-reported. This portfolio-level statement does not establish a service outcome or a line-specific claims protocol.

Harper says it reads a policy's exclusions line by line before a client buys, because two E&O policies with the same limit can respond very differently to the same claim. ⁸Company-reported. Professional liability page 'We know this' section; a described review practice, not an independently verified outcome.

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You request a quote online or by phone; if a client contract requires E&O, Harper says it places coverage matching that requirement and issues the certificate the same day. ⁸Company-reported. Professional liability page quote form and FAQ 'My client contract requires E&O. What now?'.