Embroker vs Harper Product Liability Insurance

Embroker sells product liability as a standalone policy, and says most companies instead add it as an endorsement to a general liability policy or bundle it into a Business Owners Policy, with only larger companies typically buying an independent policy. ⁴Company-reported. Product-page description and 'Tips for Saving' section; not a statement about the issuing insurer.

Harper places product liability coverage as a broker: it says a specialist reviews the business and approaches insurers on the client's behalf rather than underwriting the policy itself. ⁷Company-reported. Product liability page's 'Why Harper' section; describes Harper's placement process, not a specific insurer or policy.

Not described in the reviewed sources.

The reviewed product liability page does not name the insurer or insurers that would issue a given policy; Harper says it places the coverage with 'real insurers' generally rather than a named carrier for this line. ^7,8Not publicly disclosed. Checked the product liability page and the coverage directory on 2026-09-23; neither names a carrier for this specific line.

Embroker markets the policy to businesses that manufacture, repair, distribute or sell products, saying manufacturers are most often held liable but sellers and repairers can also be named in claims. ⁴Company-reported. Product-page 'Who Is It For?' section; not a guarantee of coverage for a particular business.

Harper says the line is for makers, importers and sellers of physical products, and that importers, distributors and retailers can be named in a product claim even when they didn't manufacture the item. ⁷Company-reported. Product liability page introduction and FAQ answer on non-manufacturer exposure.

Embroker lists coverage for bodily injury, property damage, illness and wrongful death claims arising from design defects, manufacturing defects, or warning/labeling defects in a product. ⁴Company-reported. Product-page 'What Does Product Liability Insurance Cover?' section; the issued policy and declarations control.

Embroker says the policy excludes employee injuries (covered by workers' compensation), third-party accidents on the policyholder's property (covered by general liability), product recall costs (which need a separate endorsement or product recall policy), and technology product claims (covered by tech E&O). ⁴Company-reported. Product-page What's Not Covered section, distinguishing product liability from general liability, product recall insurance and technology E&O.

Harper describes the coverage as responding to injury claims from a product, property damage the product caused, and the legal defense costs of those claims. ⁷Company-reported. Product liability page's four coverage tiles (Injury claims, Property damage, Defense in depth, Vendor agreement compliance); the issued policy and its exclusions control actual scope.

Embroker says pricing depends heavily on product risk category (for example, pharmaceuticals or firearms cost more than lower-risk goods), company size and revenue, and claims history; it does not publish standard policy limits. ⁴Company-reported. Product-page 'How Much Does Product Liability Insurance Cost?' section.

Harper names product category, sales volume and sales channel as what drives product liability pricing, but the reviewed page does not publish specific limit, retention or premium figures. ⁷Not publicly disclosed. Product liability FAQ 'What does it cost?'; figures are unavailable on this public page and would appear on a quote.

Not described in the reviewed sources.

Harper says it will write the policy to match a retailer or marketplace vendor agreement, including additional-insured status and the specific limits those contracts require. ⁷Company-reported. Product liability page 'We know this' section and FAQ on additional-insured requests; a service Harper describes performing, not an independently verified outcome.

Embroker says applicants can get a product liability quote in under 10 minutes through its digital platform and choose their own deductibles and limits. ⁴Company-reported. Product-page 'Why Get It With Embroker?' section; no quote was requested during this research.

You request a quote through Harper's online form or by phone; Harper says one application is then shopped across the insurers that write the applicant's product class. ⁷Company-reported. Product liability page quote form and 'Why Harper' process steps.