Coverdash vs Harper Professional Liability (E&O) Insurance

Coverdash arranges professional liability (errors and omissions) coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. ^3,4Company-reported. General brokerage terms applied to the professional liability page; not specific to any one carrier 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. ⁸Company-reported. Professional liability page introduction and 'Why Harper' section.

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. ^9,10Company-reported. Coverage directory listing plus the E&O page's own description; a naming convention Harper states about itself, not a distinction between two products.

The professional liability page does not name the insurer that issues the policy. ⁴Not publicly disclosed. Reviewed professional liability page as of 2026-09-23; the page describes coverage without naming a specific carrier.

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. ^8,9Not publicly disclosed. Checked both the professional-liability and errors-and-omissions pages on 2026-09-23; neither names a carrier or a limit figure.

Coverdash markets professional liability to any small business, startup or e-commerce seller that gives advice, provides a service or delivers work for clients, citing examples including architects, dentists, doctors and real estate agencies. ⁴Company-reported. Product-page eligibility description; actual acceptance depends on underwriting and profession-specific appetite.

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. ⁸Company-reported. Professional liability page introduction and FAQ distinguishing it from general liability.

Coverdash describes professional liability as covering claims that a client's financial harm came from the business's negligent advice or service, mistakes made by the business or an employee, or a missed deadline or undelivered work, and pays legal defense costs even for a baseless claim. ⁴Company-reported. Product-page coverage cards; the issued policy and declarations control actual wording, limits, exclusions and whether the policy is claims-made.

Coverdash's coverage hub lists this general professional liability product separately from Tech E&O (for technology companies) and Lawyers Professional Liability, so a technology or legal business would typically be pointed to the more specific product instead. ⁵Company-reported. Coverage hub category structure; does not establish which product a given underwriter would actually issue.

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. ^8,9Company-reported. 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.

The professional liability page does not publish specific limit, retention or deductible amounts. ⁴Not publicly disclosed. Reviewed professional liability page as of 2026-09-23; figures are quote-specific and not shown on the public product page.

Not described in the reviewed sources.

Not described in the reviewed sources.

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. ⁸Company-reported. Professional liability page 'We know this' section; a described review practice, not an independently verified outcome.

Coverdash describes a fully digital quote-to-purchase process for professional liability, with the option to add coverages such as general liability or cyber alongside it. ⁴Company-reported. Product-page company information and cross-sell section.

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. ⁸Company-reported. Professional liability page quote form and FAQ 'My client contract requires E&O. What now?'.