---
title: "Counterpart vs Harper: Professional Liability (E&O) Insurance"
description: "Harper describes E&O for professional work and says limits are matched to client-contract requirements; Counterpart lists separate programs by profession and selected modular terms."
canonical: "https://spot.insure/compare/counterpart-vs-harper/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "counterpart-vs-harper"
provider-a: "counterpart"
provider-b: "harper"
coverage-line: "professional-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/counterpart-vs-harper/professional-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of Counterpart and Harper for Professional Liability (E&O) 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 Professional Liability (E&O) 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 Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, Counterpart or Harper?
- What does Counterpart or Harper publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Professional Liability (E&O) Insurance from Counterpart or Harper?

**Key facts:**
- Line: Professional Liability (E&O) 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
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — 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 Medical Malpractice Insurance](https://spot.insure/compare/counterpart-vs-harper/medical-malpractice) — sibling comparison (other line, or other pair for this line)
- [AIG vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-counterpart/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Harper Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-harper/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Harper Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-harper/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-counterpart/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs Harper Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-harper/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)

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

Harper describes E&O for professional work and says limits are matched to client-contract requirements; Counterpart lists separate programs by profession and selected modular terms.

## How to Use the Counterpart vs Harper Professional Liability (E&O) Insurance Comparison

Use this comparison to evaluate Counterpart and Harper for Professional Liability (E&O) 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 Professional Liability (E&O) Insurance Summary

Harper describes E&O for professional work and says limits are matched to client-contract requirements; Counterpart lists separate programs by profession and selected modular terms. [10](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance") [11](https://www.harperinsure.com/coverages/errors-and-omissions "Errors and Omissions Insurance") [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [4](https://yourcounterpart.com/products/architects-and-engineers "Architects, Engineers, & Contractors Liability") [5](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") [6](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability 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. [8](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") [9](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 Professional Errors and Omissions (E&O) Insurance?

Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [13](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [14](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [15](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [16](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance")

## What Are the Key Differences Between Counterpart and Harper Professional Liability (E&O) Insurance?

### Program Structure and Professional Fit

Harper targets consultants, agencies, technology firms and licensed professionals, and says it reviews exclusions line by line and matches limits to client contracts. Counterpart lists separate programs for miscellaneous, architecture/engineering/contractor, allied-health and lawyer risks. A contract-driven buyer can ask Harper to map requirements to the proposed form; a Counterpart buyer should first match the service to a listed program. [10](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance") [11](https://www.harperinsure.com/coverages/errors-and-omissions "Errors and Omissions Insurance") [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [4](https://yourcounterpart.com/products/architects-and-engineers "Architects, Engineers, & Contractors Liability") [5](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") [6](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance")

### Quote Turnaround and Terms

Harper's product page reviewed September 23, 2026 described online or phone quotes and same-day certificates. Counterpart publishes selected modular terms and directs placements through wholesale brokers. A certificate does not change policy wording; compare the required professional services, exclusions and limits in the bound forms. [10](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance") [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [7](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?")

## What Should You Confirm in Counterpart and Harper Professional Liability (E&O) Insurance Quotes?

- Harper: request the marked-up exclusion review and match each client requirement. Counterpart: obtain the applicable form and confirm the requested certificate reflects bound terms. [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [6](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") [10](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance") [11](https://www.harperinsure.com/coverages/errors-and-omissions "Errors and Omissions Insurance")

## Counterpart vs Harper Professional Liability (E&O) Insurance Compared

| Criteria | Counterpart Professional Liability | Harper Professional Liability Insurance |
| --- | --- | --- |
| Role in This Line | Counterpart describes its product distribution through Counterpart Insurance Services, Inc. and wholesale brokers. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [7](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 cited marketing pages do not identify the insurer for a particular professional-liability risk or state..) | 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. [10](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Professional liability page introduction and 'Why Harper' section..)<br><br>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. [11](https://www.harperinsure.com/coverages/errors-and-omissions "Errors and Omissions Insurance") [12](https://www.harperinsure.com/coverages "What We Cover") (Evidence: Company-reported; scope: Coverage directory listing plus the E&O page's own description; a naming convention Harper states about itself, not a distinction between two products..) |
| Issuing Insurer | Confirm in your quote. | 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. [10](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance") [11](https://www.harperinsure.com/coverages/errors-and-omissions "Errors and Omissions Insurance") (Evidence: Not publicly disclosed; scope: Checked both the professional-liability and errors-and-omissions pages on 2026-09-23; neither names a carrier or a limit figure..) |
| Who It’s For | Counterpart lists distinct professional-liability programs for miscellaneous professionals, architects/engineers/contractors, allied healthcare and lawyers. [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [4](https://yourcounterpart.com/products/architects-and-engineers "Architects, Engineers, & Contractors Liability") [5](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") [6](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") (Evidence: Company-reported; scope: Each page has its own occupation scope; no single eligibility rule applies across all four products..) | 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. [10](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Professional liability page introduction and FAQ distinguishing it from general liability..) |
| Coverage Features | The Lawyers Professional Liability page describes claims arising from lawyers’ professional services; the MPL page gives service-related negligence and financial-loss examples. [6](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") (Evidence: Company-reported; scope: These are distinct program summaries and do not establish identical policy triggers or coverages..) | 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. [10](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance") [11](https://www.harperinsure.com/coverages/errors-and-omissions "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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..) |
| Limits and Retentions | Counterpart says its professional pages support modular limits and presents sample limits and retentions for selected professions. [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [6](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") (Evidence: Company-reported; scope: Published examples are illustrative, not terms available to a particular applicant..) | Confirm in your quote. |
| Risk Services | Confirm in your quote. | 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. [10](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Professional liability page 'We know this' section; a described review practice, not an independently verified outcome..) |
| How to Apply | Confirm in your quote. | 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. [10](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Professional liability page quote form and FAQ 'My client contract requires E&O. What now?'..) |

## Related Pages for Counterpart vs Harper Professional Liability (E&O)

- [Counterpart vs Harper](https://spot.insure/compare/counterpart-vs-harper): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms.
- [Counterpart vs Harper General Liability Insurance](https://spot.insure/compare/counterpart-vs-harper/general-liability)
- [Counterpart vs Harper Medical Malpractice Insurance](https://spot.insure/compare/counterpart-vs-harper/medical-malpractice)
- [AIG vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-counterpart/professional-errors-omissions)
- [AIG vs Harper Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-harper/professional-errors-omissions)
- [Alliance Risk vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/professional-errors-omissions)
- [Alliance Risk vs Harper Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-harper/professional-errors-omissions)
- [Aon vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-counterpart/professional-errors-omissions)
- [Aon vs Harper Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-harper/professional-errors-omissions)

## Sources for Counterpart vs Harper

### 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. [Professional & General Liability](https://yourcounterpart.com/products/miscellaneous-professional). 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.
4. [Architects, Engineers, & Contractors Liability](https://yourcounterpart.com/products/architects-and-engineers). Counterpart, Inc.; Retained provider source: A&E/contractor class examples, services, enhancements and illustrative limits; prior access 2026-09-28.. Accessed 2026-09-28.
5. [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.
6. [Lawyers Professional Liability Insurance](https://yourcounterpart.com/products/lawyers-professional-liability). 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.
7. [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

8. [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.
9. [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.
10. [Professional Liability Insurance](https://www.harperinsure.com/coverages/professional-liability). Harper; Know your coverage: What is Professional Liability insurance?; Errors & omissions, Negligence allegations, Legal defense, Contract-driven limits; Why Harper; FAQs on general liability vs. E&O, client E&O requirements, and pricing drivers. Accessed 2026-09-23.
11. [Errors and Omissions Insurance](https://www.harperinsure.com/coverages/errors-and-omissions). Harper; Page states the product is 'Same policy as professional liability, just what your industry calls it'; describes financial-loss claims from professional services and late-arriving claims. Accessed 2026-09-23.
12. [What We Cover](https://www.harperinsure.com/coverages). Harper; Coverage directory list including Errors and Omissions and Professional Liability as separate catalogue entries. Accessed 2026-09-23.

### Sources for the Professional Liability (E&O) Insurance Guide

13. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
14. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
15. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
16. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. 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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