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

Embroker offers an online quote for standalone professional liability. Harper is a broker whose specialist reads exclusions line by line and, when a contract requires E&O, says it issues the certificate the same day.

Embroker's professional liability page publishes a list of what the policy excludes, including cyberattacks and employment discrimination. Harper doesn't publish a comparable exclusions list, but says it reads a policy's exclusions line by line with the client before they buy. ^1,²

What Are the Key Differences Between Embroker and Harper 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. ¹ 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. ²Company-reported. Professional liability page 'We know this' section; a described review practice, not an independently verified outcome.

When comparing Embroker and Harper, weigh the process most heavily when a contract deadline is driving the purchase or you want to limit back-and-forth.

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. ¹ 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. ⁴

Getting a Quote

Embroker offers an online quote through its own digital platform, weighing business size, industry risk, location and claims history. ¹ 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. ²

What Should You Confirm in Embroker and Harper 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. ¹ ²
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. ²
Confirm Embroker's deductible structure, aggregate versus first-dollar-defense, and how it affects your out-of-pocket cost on a claim. ¹
If a client contract sets a specific limit, confirm Harper's quoted policy matches it exactly. ²

Embroker vs Harper Professional Liability (E&O) Insurance Compared

Embroker vs Harper: Professional Liability (E&O) Insurance: documented features by provider

Criteria	Embroker Professional Liability Insurance	Harper Professional Liability Insurance
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. ¹Company-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. ²Company-reported. Professional liability page introduction and FAQ distinguishing it from general liability.
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. ¹Company-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. ²Company-reported. Professional liability page quote form and FAQ 'My client contract requires E&O. What now?'.
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. ¹Company-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). ¹Company-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. ^2,³Company-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.
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. ¹Company-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. ²Company-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. ^3,⁴Company-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.