---
title: "Counterpart vs Harper: Medical Malpractice Insurance"
description: "Counterpart names allied-health classes and selected example terms; Harper says most malpractice policies it places are claims-made and discusses tail and entity coverage."
canonical: "https://spot.insure/compare/counterpart-vs-harper/medical-malpractice"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "counterpart-vs-harper"
provider-a: "counterpart"
provider-b: "harper"
coverage-line: "medical-malpractice"
---

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[Human-readable page](https://spot.insure/compare/counterpart-vs-harper/medical-malpractice)

## Agent Guide

**What this page is:** Focused comparison of Counterpart and Harper for Medical Malpractice Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Medical Malpractice Insurance questions about Counterpart versus Harper. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Counterpart vs Harper for Medical Malpractice Insurance: how do they differ?
- Which is better for Medical Malpractice Insurance, Counterpart or Harper?
- What does Counterpart or Harper publish about Medical Malpractice Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Medical Malpractice Insurance from Counterpart or Harper?

**Key facts:**
- Line: Medical Malpractice Insurance. Providers: Counterpart and Harper.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [Counterpart vs Harper](https://spot.insure/compare/counterpart-vs-harper) — parent: all coverage lines for this pair
- [Medical Malpractice Insurance guide](https://spot.insure/coverage/medical-malpractice) — coverage explainer for this line
- [Counterpart profile](https://spot.insure/insurance-providers/counterpart) — provider profile (evidence)
- [Harper profile](https://spot.insure/insurance-providers/harper) — provider profile (evidence)
- [Counterpart vs Harper General Liability Insurance](https://spot.insure/compare/counterpart-vs-harper/general-liability) — sibling comparison (other line, or other pair for this line)
- [Counterpart vs Harper Professional Liability (E&O) Insurance](https://spot.insure/compare/counterpart-vs-harper/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Beazley vs Counterpart Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-counterpart/medical-malpractice) — sibling comparison (other line, or other pair for this line)
- [Beazley vs Harper Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-harper/medical-malpractice) — sibling comparison (other line, or other pair for this line)
- [CNA vs Counterpart Medical Malpractice Insurance](https://spot.insure/compare/cna-vs-counterpart/medical-malpractice) — sibling comparison (other line, or other pair for this line)
- [CNA vs Harper Medical Malpractice Insurance](https://spot.insure/compare/cna-vs-harper/medical-malpractice) — sibling comparison (other line, or other pair for this line)
- [Corgi vs Counterpart Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-counterpart/medical-malpractice) — sibling comparison (other line, or other pair for this line)
- [Corgi vs Harper Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-harper/medical-malpractice) — sibling comparison (other line, or other pair for this line)

# Counterpart vs Harper: How Do They Compare for Medical Malpractice Insurance?

Counterpart names allied-health classes and selected example terms; Harper says most malpractice policies it places are claims-made and discusses tail and entity coverage.

## How to Use the Counterpart vs Harper Medical Malpractice Insurance Comparison

Use this comparison to evaluate Counterpart and Harper for Medical Malpractice Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Counterpart vs Harper Medical Malpractice Insurance Summary

Counterpart names allied-health classes and selected example terms; Harper says most malpractice policies it places are claims-made and discusses tail and entity coverage. [3](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") [7](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance")

## 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](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [2](https://yourcounterpart.com/about "About Counterpart")

[Counterpart profile](https://spot.insure/insurance-providers/counterpart)

## 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. [5](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") [6](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves")

[Harper profile](https://spot.insure/insurance-providers/harper)

## What Is Medical Malpractice Insurance?

Medical malpractice insurance can pay defense costs and covered damages when a patient claims a clinician’s care caused harm. If you provide health care, match the quote to your practice, clinicians, specialties and procedures, then check who is insured. [8](https://content.naic.org/insurance-topics/medical-malpractice-insurance "Medical Malpractice Insurance") [9](https://www.tdi.texas.gov/commercial/pcmedmal.html "Medical Liability Insurance shopping guide") [10](https://go.curi.com/hubfs/Curi%20Physicians%20Medical%20Professional%20Liability%20Specimen%20Policy.pdf?hsLang=en "Physicians Medical Professional Liability — Specimen Policy") [11](https://resource.medpro.com/documents/10502/10752/MP-HPL-PHL-00-02%2BPhysician%2BApplication%2B(02-15)(rev%2B06.17.21).pdf "Physician Application")

## What Are the Key Differences Between Counterpart and Harper Medical Malpractice Insurance?

### Program Fit and Limits

Counterpart names allied-health classes and illustrates selected limits and retentions; Harper describes entity coverage for a practice or facility as well as coverage for individual clinicians. A group practice should check the named insureds on both proposals, while an individual clinician should first match Counterpart's listed class to the work performed. [3](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") [7](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance")

### Continuity Between Policies

Harper says most policies it places are claims-made and stresses the retroactive date and tail when a clinician changes jobs, retires or changes carriers. Counterpart's cited material provides examples but does not specify the form for every program. Ask for the exact trigger and tail terms in the quote before replacing existing coverage. [3](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") [7](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance")

## What Should You Confirm in Counterpart and Harper Medical Malpractice Insurance Quotes?

- Counterpart: confirm the allied-health class and quote-specific limits and retention. Harper: request the retroactive date, tail terms and the named-insured schedule for the practice and clinicians. [3](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") [7](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance")

## Counterpart vs Harper Medical Malpractice Insurance Compared

| Criteria | Allied Medical & Healthcare Liability | Harper Medical Malpractice Insurance |
| --- | --- | --- |
| Role in This Line | Counterpart describes its business insurance as offered by its producer and surplus-lines broker through wholesale brokers. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [4](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") (Evidence: Company-reported; scope: The channel does not identify which insurer issues a healthcare placement..) | Harper places medical malpractice coverage with carriers it describes as familiar with the clinician's or care business's specialty, rather than underwriting the policy itself. [7](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: Product-page description of Harper's placement role for this line..) |
| Who It’s For | Counterpart’s Allied Medical & Healthcare page names specific allied-health classes for its product. [3](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") (Evidence: Company-reported; scope: The product is scoped to the classes named on that page and does not establish universal coverage for physicians, hospitals or all clinical practice..) | Harper markets this line to clinicians and care businesses that need malpractice coverage for licensure or facility privileges, and it names tail coverage as a particular concern when a clinician leaves a practice or switches carriers. [7](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: Product-page marketing copy; not an eligibility guarantee for a particular applicant or specialty..) |
| Coverage Features | Counterpart markets combined liability protection and coverage enhancements for the named allied-health classes. [3](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") (Evidence: Company-reported; scope: The summary does not establish a standalone conventional malpractice policy or a particular professional’s entitlement..) | Harper describes the medical malpractice coverage it places as responding to allegations about diagnosis, treatment, medication or supervision decisions, and as including defense of licensing-board complaints in addition to lawsuits. [7](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: Product-page coverage summary; the issued policy and its exclusions control the actual terms..)<br><br>Harper says most of the medical malpractice policies it places are claims-made, which makes the retroactive date and tail (extended reporting) coverage important when a clinician changes jobs, retires or switches carriers, and it also places entity coverage for the practice or facility itself, not only individual clinicians. [7](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: FAQ and coverage-features text on the product page; actual trigger and tail terms depend on the specific policy..) |
| Limits and Retentions | The page displays example limit and retention figures for selected healthcare scenarios. [3](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") (Evidence: Company-reported; scope: Examples are not a quote, guarantee or universal limit..) | The reviewed medical malpractice page does not publish limit or retention amounts; it says cost and, implicitly, available terms depend on specialty, volume and claims history. [7](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") (Evidence: Not publicly disclosed; scope: Medical malpractice product page as read on 2026-09-23..) |
| Risk Services | Confirm in your quote. | Harper says it can issue certificates and quotes the same day for this line, and describes reaching both large carriers and specialty markets that write malpractice for a given specialty. [7](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: Product-page service claims; not independently timed or confirmed for a particular request..) |
| How to Apply | Confirm in your quote. | You apply for Harper medical malpractice coverage through an online quote form, and Harper says a specialist walks applicants through the occurrence-versus-claims-made and tail-coverage tradeoffs before they commit. [7](https://www.harperinsure.com/coverages/medical-malpractice "Medical Malpractice Insurance") (Evidence: Company-reported; scope: Quote form and FAQ observed on the product page..) |

## Related Pages for Counterpart vs Harper Medical Malpractice Insurance

- [Counterpart vs Harper](https://spot.insure/compare/counterpart-vs-harper): all coverage lines, business roles, service and claims.
- [What Is Medical Malpractice Insurance?](https://spot.insure/coverage/medical-malpractice): Medical malpractice insurance can pay defense costs and covered damages from claims about patient care; match the policy to clinicians, procedures and claims-made timing.
- [Counterpart vs Harper General Liability Insurance](https://spot.insure/compare/counterpart-vs-harper/general-liability)
- [Counterpart vs Harper Professional Liability (E&O) Insurance](https://spot.insure/compare/counterpart-vs-harper/professional-errors-omissions)
- [Beazley vs Counterpart Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-counterpart/medical-malpractice)
- [Beazley vs Harper Medical Malpractice Insurance](https://spot.insure/compare/beazley-vs-harper/medical-malpractice)
- [CNA vs Counterpart Medical Malpractice Insurance](https://spot.insure/compare/cna-vs-counterpart/medical-malpractice)
- [CNA vs Harper Medical Malpractice Insurance](https://spot.insure/compare/cna-vs-harper/medical-malpractice)
- [Corgi vs Counterpart Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-counterpart/medical-malpractice)
- [Corgi vs Harper Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-harper/medical-malpractice)

## Sources for Counterpart vs Harper Medical Malpractice Insurance

### Sources About Counterpart

1. [Counterpart | Agentic Insurance™](https://yourcounterpart.com/). 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.
2. [About Counterpart](https://yourcounterpart.com/about). 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.
3. [Allied Medical & Healthcare Liability](https://yourcounterpart.com/products/allied-healthcare). Counterpart, Inc.; Retained provider source: names allied healthcare classes, combined coverage/enhancements and illustrative limits/examples; does not establish conventional malpractice for every medical profession or standalone general liability. Prior access 2026-09-28; direct reopen failed in this session.. Accessed 2026-09-28.
4. [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-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.

### Sources About Harper

5. [Text Messaging Terms and Conditions](https://www.harperinsure.com/sms-terms). 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.
6. [We're Announcing $47M to Build the Insurance Company Every Business Deserves](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement). 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.
7. [Medical Malpractice Insurance](https://www.harperinsure.com/coverages/medical-malpractice). Harper; Product hero; Know your coverage: What is Medical Malpractice insurance?; Professional liability for care, License defense, Tail and prior acts, Entity coverage; Why Harper; FAQ: Occurrence or claims-made?, Does it cover board complaints?, What does it cost?. Accessed 2026-09-23.

### Sources for the Medical Malpractice Insurance Guide

8. [Medical Malpractice Insurance](https://content.naic.org/insurance-topics/medical-malpractice-insurance). National Association of Insurance Commissioners; Background: Issue; Overview; two basic types. Accessed 2026-09-16.
9. [Medical Liability Insurance shopping guide](https://www.tdi.texas.gov/commercial/pcmedmal.html). Texas Department of Insurance; What is medical liability insurance?; Claims-made versus occurrence; changing carriers; renewal tips. Accessed 2026-09-16.
10. [Physicians Medical Professional Liability — Specimen Policy](https://go.curi.com/hubfs/Curi%20Physicians%20Medical%20Professional%20Liability%20Specimen%20Policy.pdf?hsLang=en). Curi underwriting companies identified on specimen cover; Base I–III printed pp.1–3/PDF pp.2–4; V–VI pp.3–6; VIII p.7; XII pp.11–13. Accessed 2026-09-16.
11. [Physician Application](https://resource.medpro.com/documents/10502/10752/MP-HPL-PHL-00-02%2BPhysician%2BApplication%2B(02-15)(rev%2B06.17.21).pdf). MedPro Group / issuing companies identified on application; I–II p.1; III pp.2–4; IV pp.4–5; V pp.5–6; VI p.6. Accessed 2026-09-16.

Updated 2026-10-01. 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](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Counterpart Review Scores for 2026

Review Score: not enough ratings.

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.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/counterpart/reviews).

## Harper Review Scores for 2026

Review Score: not enough ratings.

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



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/harper/reviews).

## Agent and Developer Resources

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