Embroker vs 
Harper Professional Liability (E&O) Insurance
Embroker publishes a written exclusions list for professional liability; Harper instead says it reviews a policy's exclusions with the client before purchase.
What Is Embroker?
Embroker is a business insurance broker and online platform serving startups, technology companies and professional-services firms, with proprietary programs and broker-assisted placements. 1,2,3
What Is Harper Insurance?
Harper is a commercial insurance brokerage for businesses with complex risks. Its specialists use AI tools to gather information, seek quotes from insurers and help customers manage coverage. 5,6
What Is Professional Errors and Omissions (E&O) Insurance?
Professional errors and omissions (E&O) insurance, also called professional liability insurance, addresses claims that professional services or advice caused a client financial loss. What's covered depends on the services actually scheduled in the policy, not the product label alone. 10,11,12,13
Key Differences in Professional Liability (E&O) Insurance
How Exclusions Reach the Buyer
Embroker publishes what it excludes directly on the product page: no personal injury or property damage, no cyberattacks or data breaches, no employee injuries, and no employment discrimination claims. 4 Harper's page doesn't list specific exclusions; instead it describes a review step:
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. 7Company-reported. Professional liability page 'We know this' section; a described review practice, not an independently verified outcome.
How Each Names the Product
Embroker sells professional liability as a standalone product, kept separate from its own lawyers professional liability program and its bundled technology E&O/cyber product. 4 Harper instead catalogues the identical policy under two names, "Professional Liability" and "Errors and Omissions," saying the split reflects what different industries call the same coverage. 9
Getting a Quote
Embroker offers an online quote through its own digital platform, weighing business size, industry risk, location and claims history. 4 Harper's quote can be started online or by phone, and when a client contract requires E&O, Harper says it issues the certificate the same day. 7
What to Confirm in Professional Liability (E&O) Insurance Quotes
- Ask both companies to name the issuing insurer; Embroker's page doesn't address it, and Harper's reviewed pages don't name one either. 4 7
- Ask Harper to walk through the exclusions on your specific quote, since it says two policies with the same limit can respond differently to the same claim. 7
- Confirm Embroker's deductible structure, aggregate versus first-dollar-defense, and how it affects your out-of-pocket cost on a claim. 4
- If a client contract sets a specific limit, confirm Harper's quoted policy matches it exactly. 7
Offering Details
Embroker vs Harper Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Embroker Professional Liability Insurance | Harper Professional Liability Insurance |
|---|---|---|
| Role in This Line | Embroker sells professional liability, also called errors and omissions insurance, as a standalone product for professional-services businesses, separate from its lawyers professional liability program and its bundled technology E&O/cyber product. 4Company-reported. Product-page description; not a statement about the issuing insurer. | 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. 7Company-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. 8,9Company-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. |
| Issuing Insurer | Not described in the reviewed sources. | 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. 7,8Not publicly disclosed. 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 | Embroker markets the policy to anyone who provides professional advice or services for a fee, listing accountants, bookkeepers, consultants, real estate agents, home inspectors, and IT and healthcare professionals as example buyers, while noting lawyers and doctors typically use specialized malpractice coverage instead. 4Company-reported. Product-page eligibility and industry-example sections; not a guarantee of coverage for a particular business. | 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. 7Company-reported. Professional liability page introduction and FAQ distinguishing it from general liability. |
| Coverage Features | Embroker lists coverage for claims of errors, omissions or negligence, failing to meet expected standards or deadlines, false or misleading statements, breach of contractual obligations, and attorney fees from covered claims. 4Company-reported. Product-page What's covered section; the issued policy and declarations control. Embroker says the policy does not cover personal injury or property damage (handled by general liability), cyberattacks and data breaches (some tech E&O policies offer limited cyber coverage, but full protection needs a separate cyber policy), employee injuries, or employee discrimination claims (handled by EPLI). 4Company-reported. Product-page What's not included and 'Do I need Professional Liability insurance if I already have General Liability coverage?' sections. | 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. 7,8Company-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. |
| Limits and Retentions | Embroker says the policy carries a deductible, that a higher deductible generally lowers the premium, and that buyers can choose an aggregate (once-annually capped) deductible or a first-dollar-defense option that applies the deductible only to damages, not legal costs. 4Company-reported. Product-page 'Does it have a deductible?' section; specific dollar limits and deductible amounts are not published and depend on underwriting. | Not described in the reviewed sources. |
| Risk Services | 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. 7Company-reported. Professional liability page 'We know this' section; a described review practice, not an independently verified outcome. |
| How to Apply | Embroker offers an online quote for professional liability through its digital platform, describing underwriting factors including business size, industry risk, location and claims history. 4Company-reported. Product-page 'Quick quotes' feature and cost-factor list; no quote was requested during this research. | 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. 7Company-reported. Professional liability page quote form and FAQ 'My client contract requires E&O. What now?'. |
Full Comparison
More Embroker vs Harper Comparisons
Other Professional Liability (E&O) Insurance Comparisons
Sources
Embroker
- Embroker. Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
- Terms And Conditions. Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
- Embroker Access. Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
- Professional Liability Insurance Coverage & Quotes. Embroker; Why it's essential; Who needs this coverage; What is Professional Liability insurance?; What's covered; What's not included; Do I need Professional Liability insurance if I already have General Liability coverage?; Does it have a deductible? Accessed 2026-09-23.
Harper
- Text Messaging Terms and Conditions. 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.
- We're Announcing $47M to Build the Insurance Company Every Business Deserves. 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.
- Professional Liability Insurance. 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.
- Errors and Omissions Insurance. 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.
- What We Cover. Harper; Coverage directory list including Errors and Omissions and Professional Liability as separate catalogue entries. Accessed 2026-09-23.
Professional Liability (E&O) Insurance Guide
- FAQ: Professional liability insurance. 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.
- 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.
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Professional Liability – US Direct Errors and Omissions Insurance. 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.
