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

Coterie offers core small-business policies through agents; Harper brokers complex operations involving contractors, vehicles and hard-to-place risks.

An Overview of Coterie Insurance and Harper

A contractor adding employees and vehicles may outgrow a standard small-business package. Choose Coterie if a BOP or general-liability policy fits; choose Harper if contracting, payroll or vehicle exposures need a broader market search. ² ³² ³¹

What Stands Out About Coterie Insurance and Harper?

Coterie Insurance at a Glance

Agents can prepare and bind eligible small-business quotes from prefilled information in one dashboard. ^5,^6,²Company-reportedCompany-described standard agent workflow; does not cover referrals, manual underwriting exceptions or every partner integration.
Manage documents, certificates, policy changes and claim reports online, with agent help for coverage questions. ^10,⁸Company-reportedPublic policyholder resources; tool availability and authority to change coverage can depend on the policy and agent relationship.

Harper at a Glance

Harper targets hard-to-place businesses, including contractors, care providers, manufacturers and transportation firms. ^32,³⁷Company-reportedExamples of advertised appetite, not a verified customer census or eligibility guarantee.
For workers’ compensation, Harper helps classify payroll by job and prepare for premium audits. ^34,⁴²Company-reportedPublic payroll and audit service description; not independently tested, and state employee thresholds are deliberately not generalized.

Coterie Insurance vs Harper Coverage Lines Compared

Coverage	Coterie Insurance	Harper
Builders risk	Not listed	Listed ²⁵Harper includes builders risk in its construction and contractor insurance offering.
Business owner’s policy	Listed ^2,¹³Coterie offers a business owner’s policy through its agent channel.	Listed ³¹Harper accepts business owner’s policy inquiries through its coverage intake.
Commercial auto	Not listed	Listed ²⁵Harper lists commercial auto insurance and describes approaching insurers for customers.
Commercial property	Not listed	Listed ²⁵Harper lists commercial property insurance and describes approaching insurance companies for customers.
Cyber liability	Not listed	Listed ²⁵Harper lists cyber insurance and describes approaching insurers for customers.
Garage liability	Not listed	Listed ²⁵Harper lists garage liability among the coverages its brokerage handles.
General liability	Listed ^2,³Coterie offers general liability policies for small businesses through its partner distribution.	Listed ²⁵Harper lists general liability in its business-insurance services and quote inquiry.
Liquor liability	Not listed	Listed ³¹Harper includes liquor liability in its coverage directory and insurance-placement service.
Management liability	Not listed	Listed ³⁹Harper arranges management liability insurance through its partner brokerage service.
Medical malpractice	Not listed	Listed ³¹Harper arranges medical malpractice insurance.
Product liability	Not listed	Listed ³¹Harper includes product liability in its coverage directory.
Professional errors and omissions (E&O)	Listed ^2,¹⁴Coterie lists miscellaneous professional liability for eligible small businesses in participating states.	Listed ³¹Harper includes professional liability in its coverage directory and quote intake as claims about work or advice.
Surety bonds	Not listed	Listed ³⁶Harper arranges license, permit and contract surety bonds.
Tools, equipment and inland marine	Not listed	Listed ³¹Harper arranges inland marine coverage for tools and equipment that leave the shop.
Umbrella and excess liability	Not listed	Listed ³¹Harper arranges umbrella insurance.
Workers’ compensation	Not listed	Listed ^31,³⁴Harper arranges workers’ compensation insurance.

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

Coterie Insurance and Harper Coverage, Line by Line

Open what Coterie Insurance and Harper each publish for one coverage line.

Business Owner’s Policy
- Coterie Insurance Business Owner’s Policy
- Harper Business Owner’s Policy
General Liability Insurance
Professional Liability (E&O) Insurance

Coterie Insurance and Harper Reliability Scores

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

Coterie Insurance Reliability Scores

Managing general agent

Carrier & MGA

No Reliability Score

Reliability Score details

Harper Reliability Scores

Broker

5.9/ 10

Reliability Score details

Coterie Insurance and Harper Review Scores for 2026

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for its sources, what it covers and how the score is calculated.

Coterie Insurance Review Score

7.0/ 10

Review Score

2 rated sources

Coterie’s BBB complaint record is a concern; its single Trustpilot review is too small a sample to offset that. Ask how complaints and service problems are resolved.

Read Coterie Insurance reviews

Harper Review Score

-/ 10

Review Score

No reviews found

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

Read Harper reviews

Key Differences Between Coterie Insurance and Harper

Contractor Appetite, Vehicles and Workers’ Compensation

Coterie’s BOP guide gives contractors a specific revenue and employee appetite and offers optional additions such as contractors equipment and hired/non-owned auto liability. Harper markets commercial auto, workers’ compensation, equipment and bonds alongside general liability. If the contractor buys a work vehicle and hires a crew, ask for those changes to be assessed individually; an equipment or hired-auto endorsement does not establish the same protection as insuring an owned vehicle. ¹³ ¹² ³¹ ²⁵

Coterie expressly says it does not write workers’ compensation or automobile policies. That is a product boundary, not evidence that the agent selling Coterie cannot arrange them elsewhere. Harper’s broader catalogue gives the buyer a brokerage route to investigate, but does not guarantee one insurer or one package for all the work. Request a complete schedule showing retained Coterie coverage and any proposed additional placements. ¹¹ ³¹

Payroll Classifications and Surety Bonds

Harper describes help classifying payroll by employees’ duties and preparing for workers’ compensation audits. For the new crew, that means explaining who performs field work and who works in the office, rather than supplying only a headcount. The audit can reconcile the information used to price insurance; the service is not a promise that the final premium cannot change. Coterie’s headcount-based BOP eligibility question is separate from this workers’ compensation process. ³⁴ ¹³

If a project also requires a bond, Harper lists contract and license bonds and explains possible repayment obligations. Ask for the indemnity agreement—the buyer’s repayment promise—alongside the bond. This is a different financial commitment from buying the Coterie liability policy; do not evaluate it merely as another coverage limit in the package. ³⁶ ²

Quote Workflows and Written Binding

Coterie’s workflow lets an agent verify prefilled business data, select the industry and bind eligible standard risks through a dashboard. Harper’s disclosed AI functions support document extraction, messages and follow-up, with licensed professionals and carriers reviewing final decisions. These are useful functions at different stages: one supports a defined program, while the other helps a brokerage assemble and pursue a submission. Neither description establishes that an unusual project will receive immediate coverage. ⁶ ²⁷

Give the intermediary a precise description of the new work and the contract deadline. Coterie’s terms make coverage subject to approval and issuance. Harper’s messaging terms say texts cannot bind or change coverage and require written confirmation. A quick reply or visible quote should not be the contractor’s authorization to start work without confirming the effective coverage. ⁸ ²⁶

Referral Service, Wholesale Placement and Fees

An existing agent can use Coterie as a program for the client. Harper’s referral program assigns the work differently: Harper handles placement, ongoing service, renewals and claims, while the referring agent has no servicing duties. Its separate wholesale offering requires its own service allocation. If the original agent introduces Harper, clarify which pathway applies and who receives the next certificate or payroll update. ⁵ ³⁹ ³⁸

Harper’s referral commission share is payment between intermediaries, not a premium discount. Its public buyer-fee schedule is unresolved. Coterie publishes policy, installment and possible risk-program charges, so request a total for the combined account and ask about any additional agent fees. A broader submission exercise cannot establish savings without matched insurer terms and charges. ³⁹ ⁴¹ ⁸

Issuing Insurers and Claims Contacts

Coterie’s carrier partners issue its policies; Harper’s brokerage and selected wholesale authority do not make Harper the insurer. The proposal should name the company taking each risk, including any specialist placement. An underwriter-network count or a producer license does not identify that company. ⁸ ²⁶ ³⁸

Coterie publishes claim-reporting routes. Harper describes documentation help and carrier advocacy; ask it to identify the urgent-reporting procedure for each insurer. Ask for the insurer’s instructions at purchase, especially where the account now has separate vehicle and employee policies. Those support descriptions do not establish comparative claims outcomes. ¹¹ ⁴¹ ²⁶

What Should You Confirm in Coterie Insurance and Harper Quotes?

Work and appetite: Does the Coterie program still accept the contractor’s new duties, employees and property, and which separate markets will Harper approach? ¹³ ³²
Vehicles, payroll and bonds: Request the vehicle schedule, duty-based payroll classifications and any bond indemnity agreement as distinct documents. ³⁴ ³⁶ ¹¹
Service ownership: Is this a Harper referral or wholesale placement, and who handles future certificates, renewals and claims questions? ³⁹ ³⁸
Activation and total cost: Obtain written confirmation for each policy and an itemized bill separating premium, fees and any financing. ⁸ ²⁶

Coterie Insurance vs Harper Services Compared

What each provider says about the services you may need

Criteria	Coterie Insurance	Harper
Customer focus	New, home-based and other small or micro businesses can request Coterie quotes if their industry, location and risk meet underwriting appetite. ^1,^5,⁶Company-reportedCompany-described customer focus; no claim that every small business is eligible.	Businesses in hard-to-place industries can ask Harper for broker help; its listed specialties include contracting, restaurants, auto, care, manufacturing and transportation. ^32,³⁷Company-reportedExamples of advertised appetite, not a verified customer census or eligibility guarantee.
Coverage lines	Small businesses can compare a BOP, standalone general liability or miscellaneous professional liability; a BOP combines liability and property while the other lines are separate. ^2,^4,^3,¹⁴Company-reportedCurrent direct product pages and December 2025 product guides reviewed; optional endorsements are recorded separately rather than treated as standalone lines. Coterie’s BOP guide lists up to $10 million revenue and 50 employees, reduced to $5 million and 15 for contractors, plus property limits up to $1 million for buildings and $500,000 for business property. State, industry and quote affect availability and limits. ^13,⁸Company-reportedDecember 2025 agent brochure; marketing summary, not policy wording or an eligibility guarantee. You can add some optional protections, including cyber, workplace violence, EPL, restaurant and liquor, contractors equipment, hired/non-owned auto liability, equipment breakdown and drone liability; these are endorsements, not separate standalone policies. ^12,^13,^15,¹⁶Company-reportedApril 2026 endorsement directory and December 2025 BOP guide; selection depends on base product, business class, state and underwriting. Service firms considering Coterie MPL should check the claims-made reporting window: the guide includes a 60-day extended reporting period and offers longer periods for purchase, while retroactive coverage and limits depend on terms and eligibility. ^14,⁸Company-reportedDecember 2025 MPL guide; an actual proposal and policy control coverage. If you need workers’ compensation or commercial auto, look elsewhere: Coterie says it does not write those policies. Its hired/non-owned auto endorsement is liability protection, not physical-damage auto insurance. ^11,¹³Company-reportedCurrent claims FAQ and BOP guide; does not address products another agent or partner may place outside Coterie.	If you need life or health insurance, look elsewhere for now: Harper’s privacy policy says it does not currently offer either, and its Georgia life qualification does not establish a life product. ^27,²⁸Company-reportedPrivacy section 2, information not intentionally collected; Georgia agency qualification independently checked. Distinguishes licensing authority from the company’s current product offering. Businesses can ask Harper about general and professional liability, property, auto, cyber, garage, umbrella, bonds, workers’ compensation, equipment, liquor, malpractice, product liability and BOP; the BOP may combine property and liability. ^25,³¹Company-reportedAdvertised product categories across the current homepage, directory and intake. No conclusion that all lines are available together, from one insurer, or in every jurisdiction. Security firms can ask about liability for guard actions or professional negligence plus equipment and vehicles; Harper’s page does not name the insurer or policy wording for a specific operation. ³⁵Company-reportedCompany industry appetite. No adoption of the page’s broad claims about standard-policy exclusions or satisfaction of licensing requirements. Businesses needing license, permit, contract, dealer, court or fiduciary bonds can approach Harper; review the indemnity agreement because the buyer may have to repay the bond company for claims it pays. ³⁶Company-reportedCompany product description. No blanket interpretation of a specific bond or personal guarantee. Ask for the insurer-specific forms and endorsements before comparing prices; reviewed product pages are summaries and do not establish shared limits, deductibles or exclusions. ^31,^33,³⁵Not found in reviewed sourcesScoped search of current coverage directory and representative product/industry pages. No issued policy or private quote reviewed. Absence of a specimen in these sources is not absence of available coverage.
Application process	A licensed agent starts a quote in Coterie's dashboard with the client's business name and address, selects the principal industry, confirms or edits prefilled details, customizes coverage and pays to bind an eligible policy. Business owners who do not already have an agent can use Coterie's agent finder. ^5,^6,²Company-reportedCompany-described standard agent workflow; does not cover referrals, manual underwriting exceptions or every partner integration. Eligible standard risks may get a quote in under two minutes, according to Coterie, but a quote is not coverage until eligibility is confirmed, underwriting approves it and the policy is issued. ^6,⁸Company-reportedMarketing speed statement and controlling website terms; no independent timing test was performed.	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. ²⁵Company-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. ³⁰Company-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. ²⁷Company-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. ²⁷Company-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. ²⁶Company-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. ³⁷Company-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.
Servicing and renewals	Policyholders can manage documents, certificates, policy changes and claim reports online; use your agent or broker for coverage questions. Coterie also provides sample forms to help you review proposed terms. ^10,⁸Company-reportedPublic policyholder resources; tool availability and authority to change coverage can depend on the policy and agent relationship. Businesses with multiple locations should ask about separate policies because Coterie’s FAQ says each location needs its own policy. ¹⁰Company-reportedGeneral policyholder FAQ as of September 15, 2026; confirm how mailing, temporary, project and additional locations are treated in the proposed form. Set renewal preferences before the next term: most Coterie policies are 12 months and may renew automatically, with charges using the saved payment method unless the policy says otherwise. ⁸Company-reportedWebsite terms effective December 16, 2025; the proposed policy, renewal notice and applicable state law control.	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. ^34,⁴²Company-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. ^39,³⁸Company-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. ⁴⁰Company-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. ^41,²⁶Company-reportedCompany service statements; no customer service agreement or renewal proposal inspected.
Fees and compensation	Include Coterie’s fees in your total-cost comparison: terms list a variable one-time new/renewal policy fee, $7 installment fee, up to $10 late fee and up to $35 insufficient-funds fee; amounts vary by state and line and some are nonrefundable. ⁸Company-reportedWebsite fee terms effective December 16, 2025; not every fee applies to every policy or state. Ask whether a Coterie policy includes a Manage My Risk Program fee; it is earned when paid and nonrefundable after midterm cancellation, but its amount is not published. ⁸Company-reportedManage My Risk Program terms effective December 16, 2025; applicability and the quoted fee require account-specific disclosure. Ask whether your agent receives commission or other compensation because Coterie says it may pay commissions through a third-party processor; public sources do not state the rate for your policy. ^9,⁸Company-reportedPublic privacy and platform terms; no producer agreement or account-specific compensation disclosure was reviewed.	A licensed referral agent may receive 50% of Harper’s commission 60 days after settlement, according to Harper Partners; this is a share of commission, not a discount on your premium. ³⁹Company-reportedCurrent licensed-agent referral program only. Illustrative dollar amounts not treated as fee quotes; cancellation/nonpayment clawbacks apply. No implication that Spot participates. Get premium, taxes, fees and financing charges itemized because reviewed Harper pages do not disclose buyer fees or account-specific commission rates; a free partner signup does not mean insurance is fee-free. ^39,^41,^33,²⁶Not publicly disclosedReviewed referral terms, pricing-transparency article, GL cost FAQ and messaging terms. No hidden fees is marketing, not a zero-fee promise; SMS cost statement applies only to messages.

Sources for Coterie Insurance vs Harper

Coterie Insurance Official Website

1
About Coterie Insurance. Coterie Insurance; Agent and broker focus; company history; investors; agency name, NPN and Wisconsin license in footer. Accessed 2026-09-15.
2
Insurance for Small Businesses. Coterie Insurance; General Liability, Business Owners Policies and Professional Liability sections: About business owners policies (BOP), About general liability (GL) policies (offered through partners), About professional liability (MPL) policies; Find an Agent; agent distribution; footer agency disclosure. Accessed 2026-09-16.
3
General Liability Insurance for Small Business. Coterie Insurance; General liability product page: How General Liability Insurance Works; Common Questions, including standalone or BOP; Find an Agent. Accessed 2026-09-16.
4
Business Owner's Policy for Small Businesses. Coterie Insurance; Package components and exclusions from the typical BOP description. Accessed 2026-09-15.
5
Agents and Business Insurance Brokers. Coterie Insurance; How It Works steps; nationwide product statement; dashboard service statement. Accessed 2026-09-15.
6
Instant Bindable Small Business Insurance Quotes for Agents. Coterie Insurance; Built for Agents and Brokers; online workflow; core lines; endorsements; availability sections. Accessed 2026-09-15.
7
Quick Start: Quote and Bind Small Business Insurance With Coterie. Coterie Insurance; Five-Step Quote-to-Bind Workflow and Does Coterie Work in All 50 States sections. Accessed 2026-09-15.
8
Terms and Conditions. Coterie Insurance; Effective December 16, 2025; Sections 1, 5, 6 and 10. Accessed 2026-09-15.
9
Privacy Policy. Coterie Insurance; Introduction; Section 6, Payment and Commissions Processing; carrier privacy links. Accessed 2026-09-15.
10
Policyholder Resources. Coterie Insurance; Account, policy-change, certificate, claims, multiple-location and sample-policy sections. Accessed 2026-09-15.
11
Claims. Coterie Insurance; Reporting routes; response timing; settlement timing; excluded workers' compensation and auto claims; cyber and workplace-violence FAQs. Accessed 2026-09-15.
12
Coterie Insurance Endorsements. Coterie Insurance; Cyber, Workplace Violence, Employment Practices, Restaurant, Liquor Liability and Contractors Equipment list; product caveat. Accessed 2026-09-15.
13
BOP Product Overview. Coterie Insurance; Pages 1–5: Business Owners Policy Product Highlights for Agents and Brokers; eligibility criteria, base property and liability coverages, additional extensions and mandatory forms. Accessed 2026-09-16.
14
Miscellaneous Professional Liability Policy Overview and Product Highlights. Coterie Insurance; Pages 1–7: purpose, eligible professions and operations, unavailable jurisdictions and state availability, limits, claims-made terms and exclusions. Accessed 2026-09-16.
15
Cyber Insurance Overview. Coterie Insurance; Pages 1-2: coverage, criteria, limits and Cyberscout services. Accessed 2026-09-15.
16
Workplace Violence Insurance Overview. Coterie Insurance; Pages 1-2: endorsement status, criteria, services and limits. Accessed 2026-09-15.
17
Coterie's Coastal Business Insurance Appetite. Coterie Insurance; September 11, 2026 state-by-state coastal BOP eligibility, limits, exclusions and Texas carrier statement. Accessed 2026-09-15.
18
Current Moratoriums. Coterie Insurance; Active BOP catastrophe moratoriums, updated September 2-4, 2026; effect on new business and changes. Accessed 2026-09-15.
19
Allianz X Announces Strategic Investment in Coterie Insurance. Coterie Insurance and Allianz X; September 11, 2025 announcement; MGA role; Series C investment and reinsurance relationship. Accessed 2026-09-15.
20
Allianz X Portfolio and News. Allianz X; Current Direct Investments and September 11, 2025 Coterie strategic-investment entry. Accessed 2026-09-15.
21
Coterie BOP and GL Products Available Through Progressive. Coterie Insurance; November 20, 2025 agency relationship and Progressive BusinessQuote Explorer distribution scope. Accessed 2026-09-15.
22
Coterie Insurance Agency, LLC Entity Record. Florida Department of State, Division of Corporations; Active foreign LLC record; January 6, 2026 annual report; Coterie Applications, Inc. listed as member. Accessed 2026-09-15.
23
Licensed Property and Casualty Agencies. Massachusetts Division of Insurance; Coterie Insurance Agency, LLC; license 19000811; approval period December 28, 2025 through December 28, 2026. Accessed 2026-09-15.

Harper Official Website

24
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.
25
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.
26
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.
27
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.
28
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.
29
California License Number Search. California Department of Insurance; License-number search for 6017784. Accessed 2026-09-15.
30
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.
31
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.
32
Industries We Serve. Harper; Industry directory and introductory customer focus: construction, care providers and auto dealers among the listed businesses. Accessed 2026-09-15.
33
General Liability Insurance. Harper; Product introduction, certificate-request instructions, specialist-led placement steps and cost FAQ. Accessed 2026-09-15.
34
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.
35
Security Guards Insurance. Harper; Description of guard businesses, coverage categories, use-of-force risks and service features. Accessed 2026-09-15.
36
Surety Bonds. Harper; Surety Bonds: license and permit bonds; contract bid, performance and payment bonds; repayment obligations and timing FAQ. Accessed 2026-09-16.
37
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.
38
Insurance Brokers: Wholesale Program. Harper; Specialty and non-admitted markets, selective binding authority FAQ, white-label options and commission FAQ. Accessed 2026-09-15.
39
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.
40
Customer Portal Entry. Harper; Public entry page: listed functions, invitation-based sign-in instructions and service-team contact. Accessed 2026-09-15.
41
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.
42
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.

Comparisons Related to Coterie Insurance vs Harper

AIG vs Coterie Insurance
Coterie is an agent-facing small-business MGA and platform with specific standard and surplus routes; AIG is a broader insurer group served through producers.
AIG vs Harper
Harper is a commercial broker emphasizing hard-to-place businesses and an AI-assisted intake process; AIG is a broad insurer group accessed through producers.
Alliance Risk vs Coterie Insurance
Alliance Risk brokers a broad range of commercial coverage; Coterie's core small-business lines include general liability, BOP and professional liability; technology E&O and management coverage are separate needs.

All Comparisons