Coalition vs Harper

Coalition combines commercial insurance offerings with cyber risk-management services. In the United States, Coalition Insurance Solutions, Inc. (CIS) is the disclosed insurance producer and surplus lines broker; the issuing insurer is responsible for policy obligations. ^2,7

Coalition lists CIS’s California producer and surplus lines license as 0L76155. This is a company disclosure; current license status has not been independently checked with the California regulator. ²

Coalition’s legal page identifies Coalition Incident Response, Inc., doing business as Coalition Security, or independent third parties as security-service providers. Coalition Security does not provide insurance. ²

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. ^20,27

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. ^20,21

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. ³²

Coalition directs buyers to an appointed insurance broker and offers help finding access if their broker does not offer Coalition. It describes underwriting that considers industry, finances, operations and security posture. ¹³

Coalition’s broker instructions describe adding Tech E&O during the cyber quote process, supplying a product or service description and answering contract-related questions. Some quotes require review before a price is released. ¹²

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. ¹⁹

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. ²⁴

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. ²¹

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. ²¹

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. ²⁰

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. ³¹

Coalition describes Control policyholder features at no additional cost, including attack-surface monitoring, vendor-risk monitoring, vulnerability alerts and guidance. Login Security requires connecting a Microsoft or Google environment. Additional security products are promoted separately. ⁸

Coalition says cyber renewals begin 90 days before expiration and follow Automatic, Express or Standard paths based on the account. Express renewals require responses; Standard renewals require a bind order and updated signed application, with additional underwriting conditions for some accounts. Automatic renewal does not guarantee an unchanged premium. ¹⁵

For workers’ compensation, Harper says it helps classify payroll by the work employees perform and prepares information for premium audits. Its cost FAQ identifies payroll, job categories and claims history as pricing factors. An audit can reconcile the information used to price the policy; Harper’s service description is not a promise that your premium cannot change. ^28,36

Under that referral program, Harper says it owns the account and handles quoting, placement, servicing, renewals and claims; the referring agent has no servicing duties. Its separate wholesale page offers white-label options. If another agent introduces you, clarify which arrangement applies and who will be your ongoing contact. ^33,32

Harper’s public portal entry page advertises access to certificates, policies, payments and application status. Sign-in uses the email address associated with a Harper invitation; the page directs customers without an invitation to its service team. Features behind sign-in were not tested. ³⁴

Harper describes ongoing policy management and annual coverage reviews. Its messaging terms list reminders about renewals, billing and premium finance, along with communications about changes and certificates. These service descriptions do not specify a guaranteed renewal price or a commitment to re-shop every policy. ^35,20

Coalition describes in-house cyber claims triage and assistance attempting to recover stolen funds. Its Tech E&O page says the same claims team manages cyber and Tech E&O claims. These service descriptions do not establish response quality or payment of a particular loss. ^9,1

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. ^35,36

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. ^35,34,20