What Is Counterpart Insurance?
Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. 1,2
What Is Harper Insurance?
Harper suits hard-to-place businesses such as contractors, care providers, manufacturers and transportation firms; standard small businesses seeking direct quotes should compare online carriers. Its workers’ compensation service helps classify payroll for audits. 6,7
What Is General Liability Insurance?
General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. 9,10,11
Key Differences in General Liability Insurance
What the Published Scope Emphasizes
Harper focuses on businesses seeking a GL certificate for a lease, contract or license, including risks other insurers declined. Its page cites $1 million per claim as a common starting request. Counterpart describes a different fit: GL may accompany professional coverage for miscellaneous professional firms or lawyers, with separate limits. Buyers should first identify whether their need is a contract certificate or a coordinated professional program. 3 8
Placement, Limits, and Service Details
Harper’s online application goes to specialist review rather than instant binding, and it says certificates are issued the same day after coverage is active. Counterpart distributes through wholesale brokers and can discuss multiple limit and retention combinations. Request the insurer, expected underwriting timeline and actual policy schedule from either provider; an application route or commonly requested limit does not guarantee an offer. 3 8
What to Confirm in General Liability Insurance Quotes
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.
Counterpart
Review Score
No reviews found
We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.[7][10]
Read Counterpart reviewsHarper
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.[4][6]
Read Harper reviewsOffering Details
Counterpart vs Harper: General Liability Insurance: documented features by provider
| Criteria | General Liability accompanying Professional Liability | Harper General Liability Insurance |
|---|---|---|
| Role in This Line | Counterpart describes its insurance as distributed by a producer and surplus-lines broker through wholesale brokers. 1,5Company-reported. This is the program channel, not evidence Counterpart itself bears insured liability. | Harper places general liability coverage by taking one application to multiple insurers rather than underwriting the policy itself, and a specialist reviews the business before it is quoted. 8Company-reported. Harper's own general liability product page. Describes the brokerage process, not an insurer or underwriting decision. |
| Who It’s For | The cited pages describe separate GL companion arrangements for miscellaneous professional firms and law firms. 3,4Company-reported. The class scope on these product pages does not establish availability to other businesses or in every state. | Harper markets general liability to businesses that need a certificate for a lease, client contract or license, and specifically says hard-to-place or previously declined businesses are the operations it targets. 8Company-reported. Product-page marketing copy; not an eligibility guarantee for a particular applicant. |
| Coverage Features | Counterpart says Miscellaneous Professional Liability can be bought alone or packaged with General Liability; its lawyers product also describes GL alongside professional coverage. 3,4Company-reported. The official descriptions scope GL to these professional-liability product contexts and do not establish broad standalone commercial general liability for all businesses. | Harper describes the general liability policies it places as covering bodily injury to third parties, property damage the business causes to others' property, and legal defense costs, including when a claim turns out to be groundless. 8Company-reported. Product-page coverage summary; the issued policy and its exclusions control the actual terms. |
| Limits and Retentions | Counterpart’s MPL page says its coverage types have separate limits and allows brokers to quote multiple limit and retention options. 3Company-reported. This page statement applies to the marketed MPL/GL structure; confirm the declarations and any shared aggregates in the issued policy. | Harper says most leases and contracts ask for $1 million per claim as a starting limit, and it will recommend higher limits when a business's situation calls for it. The page does not publish a maximum available limit. 8Company-reported. FAQ answer on the general liability page; actual limit options depend on the insurer and underwriting. |
| Risk Services | Confirm in your quote. | Harper says it issues certificates of insurance the same day a landlord, client or venue requests one, once a policy is in force. 8Company-reported. Product-page service claim; not independently timed or confirmed for a particular request. |
| How to Apply | Confirm in your quote. | You apply for Harper general liability through an online quote form (business details, state, revenue and coverage needs) that a specialist follows up on, rather than an instant-bind online purchase. 8Company-reported. Quote form and FAQ observed on the product page. |
| Claims Support | Confirm in your quote. | The reviewed general liability page does not describe a claims-reporting process or claims-advocacy service specific to this line. 8Not found in reviewed sources. Scoped to the general liability product page as read on 2026-09-23; the provider record separately describes general claims assistance across lines, not checked here for this line specifically. |
Full Comparison
Other General Liability Insurance Comparisons
Sources
Counterpart
- Counterpart | Agentic Insurance™. Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287. Accessed 2026-09-29.
- About Counterpart. Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26. Accessed 2026-09-29.
- Professional & General Liability. Counterpart, Inc.; Reopened 2026-09-30: page lines 4–8 says MPL may be purchased alone or packaged with GL; lines 208–245 describe industries and coverage examples; lines 251–283 describe risk assessment, quoting channels and underwriter access. Marketing page, not binding terms. Accessed 2026-09-30.
- Lawyers Professional Liability Insurance. Counterpart, Inc.; Reopened 2026-09-30: page lines 4–8 names lawyer-focused product; lines 236–272 company-stated geographic reach, modular liability limit examples, professional services, technology/media extensions and GL alongside professional cover. Product terms remain policy-specific. Accessed 2026-09-30.
- How can I get insurance through Counterpart? Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28. Accessed 2026-09-28.
Harper
- 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.
- 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.
- General Liability Insurance. Harper; Product hero; Know your coverage: What is General Liability insurance?; Bodily injury, Property damage, Legal defense, Certificates on demand; Why Harper (specialist review, multiple insurers, same-day certificates); FAQ: Is general liability required by law?, What limits do I need?, What does it cost? Accessed 2026-09-23.
General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
- Commercial General Liability Coverage Form. ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16.
