Embroker vs Harper: How Do They Compare for Product Liability Insurance?

Embroker suits a business that wants an online product liability quote and its own choice of limits; Harper, a broker, suits a seller whose retailer or marketplace contract dictates additional-insured status and limits.

Embroker offers a digital quote in under 10 minutes for standalone product liability or an addition to general liability or a BOP. Harper shops one application across insurers for makers, importers and sellers and matches limits and additional-insured terms to retailer or marketplace agreements. ^1,²

What Are the Key Differences Between Embroker and Harper Product Liability Insurance?

Choose an Online Quote or Contract-Matched Placement

Embroker says its digital platform returns a product-liability quote in under 10 minutes and lets you select deductibles and limits. Harper takes an online or phone request and shops one application across insurers that write your product class, matching additional-insured status and limits to a retailer or marketplace agreement. Choose Embroker if you want to quote online; choose Harper if your retail contract sets specific insurance requirements. ¹ ²

Check the Policy Structure and Recall Exclusion

Embroker offers product liability as a standalone policy but says most companies add it to general liability or a BOP; it also excludes product-recall costs. Harper describes a broker placement that includes injury, product-caused property damage and legal defense, without publishing a companion recall option on the reviewed page. Ask whether recall requires a separate policy. ¹ ²

Fit the Coverage to Your Product Role

Embroker names manufacturers, repairers, distributors and sellers, noting that sellers and repairers can be named in a claim. Harper names makers, importers and sellers and notes importers, distributors and retailers can be named even if they did not manufacture the item. ¹ ²

What Should You Confirm in Embroker and Harper Product Liability Insurance Quotes?

Ask Embroker whether your quote is standalone, a general-liability endorsement or a BOP addition, and confirm recall is excluded. ¹
Give Harper the retailer or marketplace agreement and ask for the required limits and additional-insured wording. ²
Compare defense costs, product-caused property damage, exclusions and recall coverage in the actual forms. ¹ ²
Ask Harper which insurers write your product class and compare the proposed deductible with Embroker’s quote. ² ¹

Embroker vs Harper Product Liability Insurance Compared

Embroker vs Harper: Product Liability Insurance: documented features by provider

Criteria	Embroker Product Liability Insurance	Harper Product Liability Insurance
Who It’s For	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. ¹Company-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. ²Company-reported. Product liability page introduction and FAQ answer on non-manufacturer exposure.
How to Apply	Embroker says applicants can get a product liability quote in under 10 minutes through its digital platform and choose their own deductibles and limits. ¹Company-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. ²Company-reported. Product liability page quote form and 'Why Harper' process steps.
Coverage Features	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. ¹Company-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). ¹Company-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. ²Company-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.
Role in This Line	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. ¹Company-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. ²Company-reported. Product liability page's 'Why Harper' section; describes Harper's placement process, not a specific insurer or policy.