Gallagher vs Harper: How Do They Compare for Umbrella and Excess Liability Insurance?

Gallagher's casualty practice places umbrella with outside carriers and runs pre-renewal meetings and a gap analysis; Harper takes quotes by online form or phone, with a specialist reviewing the underlying policies.

Gallagher suits a company that wants its umbrella designed as part of a whole casualty program, with gap analysis, renewal meetings and claims advocacy. Harper is the simpler route: a specialist reviews your existing policies and adds extra limits on top. ^1,²

What Are the Key Differences Between Gallagher and Harper Umbrella and Excess Liability Insurance?

A Casualty Program or Just More Limit

Gallagher's Casualty practice designs custom excess casualty programs and can build alternative-risk structures, where you retain part of the risk yourself. It meets with your finance, HR, operations and risk teams before each renewal. Harper doesn't resell your underlying coverage; it stacks extra limits over what you have and maps which policies sit beneath so nothing falls through. Choose Gallagher if you have a risk manager and a casualty program large enough to redesign; choose Harper if you just need more limit over existing policies. ¹ ²

Help When Claims Happen

Gallagher has a claims and loss-control advocacy group that reviews your past losses and works claims with you. Harper names where its umbrella pays: above general liability, above auto, and above workers' comp when an injured employee also sues. It follows the terms of the policies underneath. ¹ ²

Getting a Price

Harper takes an online form or a call, and a specialist reviews your policies before recommending a limit. It says each additional million typically costs a fraction of the first. Gallagher designs structure, limits and pricing to fit your needs and publishes no figures or quote flow. ² ¹

What Should You Confirm in Gallagher and Harper Umbrella and Excess Liability Insurance Quotes?

Ask Gallagher whether you're getting conventional excess or an alternative-risk structure, and what you'd retain. ¹
Ask Harper for the schedule of policies under your umbrella, including the workers' comp lawsuit path. ²
Ask Gallagher whether gap analysis and claims advocacy are included in your engagement. ¹
Ask both which insurer issues the policy. ¹ ²

Gallagher vs Harper Umbrella and Excess Liability Insurance Compared

Gallagher vs Harper: Umbrella and Excess Liability Insurance: documented features by provider

Criteria	Gallagher Umbrella/Excess Liability Insurance	Harper Umbrella Insurance
Coverage Features	Gallagher groups umbrella/excess liability with automobile liability, workers' compensation and general/product liability under its casualty practice, offering "customized excess casualty program design and placement" and non-traditional alternative risk programs, but does not describe specific attachment points, exclusions or triggers. ¹Company-reported. Group-level casualty practice page; a service description, not a specific policy's insuring agreement.	Harper describes the umbrella responding above general liability claims, above auto liability claims, and above a workers' compensation claim when an injured employee separately sues. ²Company-reported. Umbrella page's four coverage tiles; the underlying and umbrella policies as issued control which claims actually qualify. Harper says the umbrella follows the terms of the policies underneath it, and that it maps exactly which underlying policies sit under a client's umbrella so there are no coverage gaps. ²Company-reported. Umbrella FAQ 'Does it cover everything my other policies cover?'; a described mapping practice, not an independently verified outcome.
Role in This Line	Gallagher's Casualty practice places umbrella and excess liability coverage with outside carriers as one line within a broader casualty program; it does not underwrite the policy. ¹Company-reported. Group-level casualty practice page.	Harper places umbrella and excess liability coverage as extra limits stacked above a client's existing primary policies, rather than re-selling the underlying coverage itself. ²Company-reported. Umbrella page introduction and 'What is Umbrella insurance?' section.

Criteria

Gallagher Umbrella/Excess Liability Insurance

Harper Umbrella Insurance

Coverage Features

Gallagher groups umbrella/excess liability with automobile liability, workers' compensation and general/product liability under its casualty practice, offering "customized excess casualty program design and placement" and non-traditional alternative risk programs, but does not describe specific attachment points, exclusions or triggers. ¹Company-reported. Group-level casualty practice page; a service description, not a specific policy's insuring agreement.

Harper describes the umbrella responding above general liability claims, above auto liability claims, and above a workers' compensation claim when an injured employee separately sues. ²Company-reported. Umbrella page's four coverage tiles; the underlying and umbrella policies as issued control which claims actually qualify.

Harper says the umbrella follows the terms of the policies underneath it, and that it maps exactly which underlying policies sit under a client's umbrella so there are no coverage gaps. ²Company-reported. Umbrella FAQ 'Does it cover everything my other policies cover?'; a described mapping practice, not an independently verified outcome.

Role in This Line

Gallagher's Casualty practice places umbrella and excess liability coverage with outside carriers as one line within a broader casualty program; it does not underwrite the policy. ¹Company-reported. Group-level casualty practice page.

Harper places umbrella and excess liability coverage as extra limits stacked above a client's existing primary policies, rather than re-selling the underlying coverage itself. ²Company-reported. Umbrella page introduction and 'What is Umbrella insurance?' section.