---
title: "Harper vs Heffernan"
description: "Compare Harper and Heffernan for a business combining field operations, payroll and difficult insurance placements."
canonical: "https://spot.insure/compare/harper-vs-heffernan"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Harper", "Heffernan Insurance Brokers"]
---

[Human-readable page](https://spot.insure/compare/harper-vs-heffernan)

# Harper vs Heffernan

Compare Harper and Heffernan for a business combining field operations, payroll and difficult insurance placements.

## Research Scope and Use

Use this comparison to evaluate Harper and Heffernan Insurance Brokers against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

Harper emphasizes brokerage for difficult-to-place commercial operations. Heffernan offers industry practices, including transportation and healthcare, with workers’ compensation claims consulting. The comparison turns on the operational risks and service tasks assigned to each team. [8](https://www.harperinsure.com/industries "Industries We Serve") [13](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves") [35](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") [36](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") [28](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy")



## Introduction

Harper is a commercial broker emphasizing difficult-to-place operations such as contracting, transportation and care businesses. Heffernan Insurance Brokers has transportation and healthcare practices and describes workers’ compensation claims consulting. For a company with field staff, compare how each advisor handles both the initial payroll submission and the work after an injury. [8](https://www.harperinsure.com/industries "Industries We Serve") [13](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves") [35](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") [36](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") [28](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy")

## Documented Provider Strengths

### Harper

- Harper focuses on hard-to-place operations across industries such as contracting, care services, manufacturing and transportation. [8](https://www.harperinsure.com/industries "Industries We Serve") [13](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves") (Evidence: Company-reported; scope: Examples of advertised appetite, not a verified customer census or eligibility guarantee.; verified: 2026-09-15.)
- For workers’ compensation, Harper says it helps classify payroll by job duties and prepare premium-audit information. [10](https://www.harperinsure.com/coverages/workers-compensation "Workers Compensation Insurance") [18](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") (Evidence: Company-reported; scope: Public payroll and audit service description; not independently tested, and state employee thresholds are deliberately not generalized.; verified: 2026-09-15.)

### Heffernan Insurance Brokers

- The technology practice markets brokerage to mid- and late-stage companies, including VC-funded, pre-IPO, and globally expanding firms. [19](https://www.heffins.com/ "Heffernan Insurance Brokers") [25](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [26](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [20](https://www.heffins.com/about-us/our-story/ "Our Story") (Evidence: Company-reported; scope: Current official positioning. Not a minimum-size, funding-stage, or eligibility determination for any applicant.; verified: 2026-09-16.)
- Heffernan describes full-service claims consulting, including workers’ compensation carrier liaison and medical triage. [28](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") [34](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") (Evidence: Company-reported; scope: Company descriptions of advocacy and a specialty cargo claims unit. Speed, “$1 billion managed,” and “up to 75% faster” figures are not adopted as verified performance.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | Harper | Heffernan Insurance Brokers |
| --- | --- | --- |
| Builders risk | Listed [1](https://www.harperinsure.com/ "Harper Homepage") | Listed [33](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") |
| Business owner’s policy | Listed [7](https://www.harperinsure.com/coverages "What We Cover") | Listed [26](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") |
| Cargo and transit | Not listed | Listed [34](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") [35](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") |
| Commercial auto | Listed [1](https://www.harperinsure.com/ "Harper Homepage") | Listed [24](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") |
| Commercial property | Listed [1](https://www.harperinsure.com/ "Harper Homepage") | Listed [24](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") |
| Crime | Not listed | Listed [37](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") |
| Cyber liability | Listed [1](https://www.harperinsure.com/ "Harper Homepage") | Listed [24](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [27](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [26](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") |
| Directors and officers | Not listed | Listed [24](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") |
| Employee health and benefits | Not listed | Listed [29](https://www.heffins.com/employee-benefits/ "Health Insurance services") |
| Employment practices liability | Not listed | Listed [24](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") |
| Equipment breakdown | Listed [1](https://www.harperinsure.com/ "Harper Homepage") | Not listed |
| Fidelity bonds | Not listed | Listed [37](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") |
| Fiduciary liability | Not listed | Listed [24](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") |
| Garage liability | Listed [1](https://www.harperinsure.com/ "Harper Homepage") | Not listed |
| General liability | Listed [1](https://www.harperinsure.com/ "Harper Homepage") | Listed [24](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [26](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") |
| Hired and non-owned auto | Not listed | Listed [37](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") |
| Kidnap and ransom | Not listed | Listed [24](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") |
| Last-mile delivery | Not listed | Listed [35](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") |
| Liquor liability | Listed [7](https://www.harperinsure.com/coverages "What We Cover") | Not listed |
| Management liability | Listed [15](https://partners.harperinsure.com/ "Harper Partners") | Listed [35](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") |
| Medical malpractice | Listed [7](https://www.harperinsure.com/coverages "What We Cover") | Listed [36](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") |
| Product liability | Listed [7](https://www.harperinsure.com/coverages "What We Cover") | Not listed |
| Professional liability / E&O | Listed [7](https://www.harperinsure.com/coverages "What We Cover") | Listed [26](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") |
| Representations and warranties | Not listed | Listed [38](https://www.heffins.com/business-insurance/private-equity-and-ma/ "Private Equity and M&A") |
| Surety bonds | Listed [12](https://www.harperinsure.com/coverages/surety-bonds "Surety Bonds") | Listed [34](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") [31](https://www.heffins.com/quick-insure/ "Quick Insure") |
| Tools, equipment and inland marine | Listed [7](https://www.harperinsure.com/coverages "What We Cover") | Not listed |
| Trucking | Not listed | Listed [35](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") |
| Umbrella and excess liability | Listed [7](https://www.harperinsure.com/coverages "What We Cover") | Listed [35](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") |
| Workers’ compensation | Listed [7](https://www.harperinsure.com/coverages "What We Cover") [10](https://www.harperinsure.com/coverages/workers-compensation "Workers Compensation Insurance") | Listed [24](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [26](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between Harper and Heffernan Insurance Brokers

### Describe the Work Before Comparing Premiums

Harper says it helps classify payroll by employee duties and prepares premium-audit information. Heffernan’s industry pages describe different programs for transport and care operations. A business with drivers, office employees and field workers should submit the same activity and payroll breakdown to both teams. Otherwise the proposals may price different exposures, and a lower initial premium may say little about the amount due after an audit. [10](https://www.harperinsure.com/coverages/workers-compensation "Workers Compensation Insurance") [35](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") [37](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance")

### Claims Work Should Be Specified by Coverage

Heffernan describes workers’ compensation carrier liaison, medical triage and experience-modification analysis. Harper describes assistance with documentation and carrier communications, but its public service information does not establish dedicated after-hours reporting instructions. Ask what help is included for an injured employee, a vehicle accident and a liability allegation. Heffernan’s separate cargo settlement authority should not be extended to unrelated policies. [28](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") [34](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") [17](https://www.harperinsure.com/insurance-insights/why-companies-trust-harper-restructured/ "Why 2000+ Companies Trust Harper For Business Insurance") [2](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions")

### An Introduction May Change the Servicing Relationship

Harper’s referral program says Harper owns and services the account, while its wholesale service offers different arrangements. Heffernan describes account support and digital service tracking. If another advisor makes the introduction, establish who remains responsible for renewals, certificates and audit questions. The person who introduced the quote may not be the ongoing service contact. [15](https://partners.harperinsure.com/ "Harper Partners") [14](https://www.harperinsure.com/industries/insurance-brokers "Insurance Brokers: Wholesale Program") [41](https://www.heffins.com/about-us/modern-brokerage-solutions/ "Modern Brokerage Solutions")

## What to Confirm in Quotes

Request payroll classifications, audit assumptions, insurers and current California eligibility. Obtain the legal producer agreement and urgent claims contacts. Harper’s messaging terms exclude binding by text; require written coverage confirmation before scheduling work around a start date. Ask both brokers to itemize compensation and separately billed claims or risk services. [2](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") [3](https://www.harperinsure.com/privacypolicy "Privacy Policy") [19](https://www.heffins.com/ "Heffernan Insurance Brokers") [24](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")



## Service Comparison

Harper vs Heffernan: documented services and availability.

| Criteria | Harper | Heffernan Insurance Brokers |
| --- | --- | --- |
| Customer focus | Its advertised customers include contractors, restaurants, auto dealers, childcare and adult-care providers, manufacturers, and transportation businesses. Harper emphasizes operations that are difficult to place with an insurer. [8](https://www.harperinsure.com/industries "Industries We Serve") [13](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves") (Evidence: Company-reported; scope: Examples of advertised appetite, not a verified customer census or eligibility guarantee.; verified: 2026-09-15.) | Heffernan Insurance Brokers is an independent retail brokerage that arranges business insurance, personal insurance, employee benefits, and financial-services products. Its technology practice says it specializes in mid- to late-stage technology companies, including venture-funded startups, pre-IPO companies, and firms using enterprise risk or self-insurance strategies. A separate small-business division describes serving sole proprietors through fast-growing companies, including technology businesses. [19](https://www.heffins.com/ "Heffernan Insurance Brokers") [25](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [26](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") [20](https://www.heffins.com/about-us/our-story/ "Our Story") (Evidence: Company-reported; scope: Current official positioning. Not a minimum-size, funding-stage, or eligibility determination for any applicant.; verified: 2026-09-16.) |
| Application process | The public quote form asks for your contact and business details, state, estimated annual revenue, business activity and requested coverage. It includes an existing-customer checkbox and a text-message consent choice. The visible form starts an inquiry; it does not display a final premium or issued policy. [1](https://www.harperinsure.com/ "Harper Homepage") (Evidence: Company-reported; scope: Browser inspection of the blank homepage footer form. No data entered or submitted, so later application, quote, payment and binding screens were not tested.; verified: 2026-09-15.)<br><br>The founders describe Harper Hub as internal software that helps complete forms, identify carriers and underwriters, and manage client communications. Their Y Combinator launch describes full autonomy as a direction for the business. [6](https://www.ycombinator.com/companies/harper "Harper Company Profile and Founder Launch Post") (Evidence: Company-reported; scope: Founder-authored description hosted by the accelerator; not independent verification of automation quality or a buyer-facing software subscription.; verified: 2026-09-15.)<br><br>Harper’s privacy policy says AI extracts document information, drafts messages for review, organizes follow-ups and assists staff. It says licensed professionals and carriers review final decisions, including eligibility and binding. AI marketing therefore does not establish that a machine can approve your coverage on its own. [3](https://www.harperinsure.com/privacypolicy "Privacy Policy") (Evidence: Company-reported; scope: Privacy sections 3 and 8; stated controls only. No audit of model accuracy, staff review or underwriting delegation.; verified: 2026-09-15.)<br><br>The privacy policy describes collecting applications, loss records and business documents. It also says customer communications and policy information train Harper’s own models, while its enterprise AI vendors state they do not train their foundation models on customer data. These are different uses of your information. [3](https://www.harperinsure.com/privacypolicy "Privacy Policy") (Evidence: Company-reported; scope: Sections 2, 7 and 8. Company-reported data handling, not an independent privacy or security certification.; verified: 2026-09-15.)<br><br>Harper’s messaging terms say a text cannot bind, change, renew or cancel insurance. Coverage takes effect only with written confirmation from Harper and the applicable carrier; quotes sent by text remain subject to underwriting and final documentation. [2](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") (Evidence: Company-reported; scope: Section 11, effective August 24, 2026. Does not establish a particular insurer’s required payment or signing sequence.; verified: 2026-09-15.)<br><br>Harper’s February 2026 announcement advertises coverage within 24–48 hours. That is a company timing claim, not a deadline established for your application. Ask what information and approvals are still outstanding before arranging work around a proposed start date. [13](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves") (Evidence: Company-reported; scope: February 26, 2026 marketing claim, not independently measured. Current homepage refers to same-week answers, a different milestone; neither is a binding service-level guarantee.; verified: 2026-09-15.) | The public commercial path starts with a Contact Us inquiry. The empty form inspected on 16 September 2026 asks for first and last name, email, optional phone, insurance needed, and a description of operations, plus a required choice among Need A Quote, Other, or Would like to speak with someone. Submitting the form does not display a premium or bind coverage. [30](https://www.heffins.com/contact-us/ "Contact Us") (Evidence: Verified; scope: Chrome inspection of the unsubmitted Contact Form 7 on heffins.com/contact-us/. No fields completed and no submission. Downstream underwriting not tested.; verified: 2026-09-16.)<br><br>Heffernan tells technology buyers to work with a specialized broker who assesses the business and gathers quotes from insurers. Its cyber team says it determines exposure, shops the market, presents options, and guides coverage selection. Quick Insure is a separate path that markets faster quotes for selected personal and short-term business products. The reviewed pages do not promise a universal quote or binding turnaround for a growth-stage technology program. [25](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [27](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [31](https://www.heffins.com/quick-insure/ "Quick Insure") [30](https://www.heffins.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: Service descriptions. Technology-page FAQ “how do I get” language is educational process copy, not a measured SLA.; verified: 2026-09-16.) |
| Coverage lines | Harper’s privacy policy says it does not currently offer health or life insurance. The life qualification on its Georgia agency license does not establish that a life product is available through Harper. [3](https://www.harperinsure.com/privacypolicy "Privacy Policy") [4](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y "Georgia Agency License Inquiry: Harper Global Enterprises Inc.") (Evidence: Company-reported; scope: Privacy section 2, information not intentionally collected; Georgia agency qualification independently checked. Distinguishes licensing authority from the company’s current product offering.; verified: 2026-09-15.)<br><br>Harper advertises general and professional liability, commercial property and auto, cyber, garage liability, umbrella coverage and bonds. Its coverage directory also lists workers’ compensation, equipment, liquor liability, medical malpractice and product liability; the intake selector includes a business owner’s policy combining property and liability. [1](https://www.harperinsure.com/ "Harper Homepage") [7](https://www.harperinsure.com/coverages "What We Cover") (Evidence: Company-reported; scope: Advertised product categories across the current homepage, directory and intake. No conclusion that all lines are available together, from one insurer, or in every jurisdiction.; verified: 2026-09-15.)<br><br>Harper’s security page includes armed guards, event security and mobile patrol businesses. It describes liability for guard actions and professional negligence alongside equipment and vehicle protection. The page does not supply the insurer or policy wording for a particular security operation. [11](https://www.harperinsure.com/industries/security-guards "Security Guards Insurance") (Evidence: Company-reported; scope: Company industry appetite. No adoption of the page’s broad claims about standard-policy exclusions or satisfaction of licensing requirements.; verified: 2026-09-15.)<br><br>Harper also arranges license, permit, contract, dealer, court and fiduciary bonds. Its bond page explains that the buyer may have to repay amounts the bond company pays on a claim. Ask for the bond and indemnity agreement—the repayment promise—when reviewing this part of a proposal. [12](https://www.harperinsure.com/coverages/surety-bonds "Surety Bonds") (Evidence: Company-reported; scope: Company product description. No blanket interpretation of a specific bond or personal guarantee.; verified: 2026-09-15.)<br><br>The reviewed product pages are coverage summaries. They do not provide a specimen policy tied to a named insurer, state and form edition from which to establish common limits, deductibles or exclusions. Ask for the actual forms and endorsements, which change or add to the policy. [7](https://www.harperinsure.com/coverages "What We Cover") [9](https://www.harperinsure.com/coverages/general-liability "General Liability Insurance") [11](https://www.harperinsure.com/industries/security-guards "Security Guards Insurance") (Evidence: Not found in reviewed sources; scope: Scoped search of current coverage directory and representative product/industry pages. No issued policy or private quote reviewed. Absence of a specimen in these sources is not absence of available coverage.; verified: 2026-09-15.) | The business-insurance page lists general liability, commercial property, commercial auto, workers’ compensation, and global/foreign exposures among basic coverages it can provide. Corporate and executive protection listed there includes employment-practices liability, directors and officers liability, fiduciary responsibility, cyber liability, and kidnap and ransom. The small-business page also lists errors and omissions and a business owner’s policy among coverages it can provide. [24](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [26](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Direct offering lists. Labels are marketed brokerage capabilities, not policy wording, limits, or a promise that every technology applicant will be offered each line.; verified: 2026-09-16.)<br><br>Specialty practices list additional products: builders risk for construction projects; marine cargo, logistics E&O, and surety bonds in the cargo program; trucking, final-mile delivery, motor truck cargo, and umbrella or excess in transportation; medical malpractice in healthcare; crime, fidelity/employee-dishonesty bonds, and hired/non-owned auto in the home-care program; and representations-and-warranties insurance in the private-equity and M&A practice. Employee benefits are offered separately through Heffernan Benefit Advisors, including group medical, dental, vision, life, and disability examples. [33](https://www.heffins.com/business-insurance/construction/ "Construction & Contractor Liability Insurance") [34](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") [35](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") [36](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") [37](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [38](https://www.heffins.com/business-insurance/private-equity-and-ma/ "Private Equity and M&A") [29](https://www.heffins.com/employee-benefits/ "Health Insurance services") (Evidence: Company-reported; scope: Direct practice pages. Home-care “all states” language is not used as a California eligibility finding. Technology-page FAQ coverage examples were not used as the catalogue.; verified: 2026-09-16.)<br><br>For buyers trying to control total cost of risk, Heffernan describes loss-sensitive and alternative arrangements including self-insurance, partial self-insurance, large deductibles, and captives. The technology page separately discusses self-insurance strategies for later-stage companies. These are options to evaluate in a proposal, not a standard policy form. [24](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [25](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [36](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") (Evidence: Company-reported; scope: Company-described capabilities. Captive feasibility, funding, and domicile are not established by the marketing copy.; verified: 2026-09-16.) |
| Availability | Georgia’s regulator-linked lookup listed Harper Global Enterprises Inc. as an active resident principal agency, license 237101, when checked on September 15, 2026. It showed property, casualty and life qualifications and an expiration date of September 30, 2028. This is an agency license, not authorization for Harper to act as the insurer. [4](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y "Georgia Agency License Inquiry: Harper Global Enterprises Inc.") (Evidence: Verified; scope: Actual Sircon consumer inquiry for Georgia, Agency, license 237101; NPN 21740058. Codex inspected the result text and screenshot. Georgia only; qualification does not establish an offered product.; verified: 2026-09-15.)<br><br>Harper serves US commercial businesses. Its website also displays California license 6017784, but that license was not independently verified in this research. The reviewed sources did not establish a complete current availability list by state and product. Confirm the writing insurer and availability for each business location. [3](https://www.harperinsure.com/privacypolicy "Privacy Policy") [1](https://www.harperinsure.com/ "Harper Homepage") [5](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch "California License Number Search") (Evidence: Not found in reviewed sources; scope: California lookup returned a CAPTCHA validation failure; no adverse licensing inference. Historical state counts in founder marketing are not current regulatory verification.; verified: 2026-09-15.) | Heffernan says it has a nationwide presence, lists U.S. offices from California to Florida, and states that website content is intended for U.S. users except where otherwise specified. The technology practice says nearly all of its clients operate globally and that it serves major metropolitan hubs. The reviewed pages do not publish a product-by-state eligibility schedule for technology insurance. Office locations and nationwide marketing do not establish that a particular California or other-state policy is available. [20](https://www.heffins.com/about-us/our-story/ "Our Story") [21](https://www.heffins.com/about-us/locations/ "Our Locations") [23](https://www.heffins.com/privacy-statement/ "Privacy Statement") [25](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [19](https://www.heffins.com/ "Heffernan Insurance Brokers") (Evidence: Not publicly disclosed; scope: No independently verified 50-state licensure or worldwide product availability. Home-care “all states” copy is not extrapolated to technology placements.; verified: 2026-09-16.)<br><br>Heffernan displays California license number 0564249 in its site footer and in a 2026 company news release. Current producer-license status, license class and authorized lines remain independently unverified. A displayed number is not by itself proof that a given product can be sold in California. [19](https://www.heffins.com/ "Heffernan Insurance Brokers") [42](https://www.prnewswire.com/news-releases/heffernan-insurance-brokers-acquires-kristin-manwaring-insurance-associates-inc-302860809.html "Heffernan Insurance Brokers Acquires Kristin Manwaring Insurance Associates, Inc.") [44](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch "California License Number Search") (Evidence: Not found in reviewed sources; scope: Accessed 16 September 2026. Empty CDI form is not a failed license or an adverse finding. No attempt to bypass access controls.; verified: 2026-09-16.) |
| Access to insurers | Harper’s homepage displays insurers including Progressive, Kinsale, USLI, Atlantic Casualty, James River, GEICO, AIG and Hiscox. Its February 2026 announcement reports relationships with more than 165 underwriters and plans for more direct appointments. An underwriter count is not a count of distinct insurers that will quote your account. [1](https://www.harperinsure.com/ "Harper Homepage") [13](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves") (Evidence: Company-reported; scope: Marketing logos and dated company statement. No direct appointments or live quoting access independently confirmed; no assignment of an insurer to a product.; verified: 2026-09-15.)<br><br>An older Harper article says it uses only AAA-rated carriers, without specifying the rating agency, legal insurers or dated rating records. That does not establish a financial-strength rating for the insurer on your quote. Request that insurer’s exact name and current rating evidence. [17](https://www.harperinsure.com/insurance-insights/why-companies-trust-harper-restructured/ "Why 2000+ Companies Trust Harper For Business Insurance") (Evidence: Not found in reviewed sources; scope: Page dated January 21, 2025, carrier-network assertions. Rating claim withheld as a finding; no rating assigned to Harper or any displayed insurer.; verified: 2026-09-15.) | Heffernan describes shopping multiple insurers rather than issuing policies itself. Named partners on reviewed pages include Thimble Insurance Services for short-term on-demand general liability and a third-party Propeller portal for some surety bonds. Transportation, healthcare, and marine-cargo pages refer to top, major, or exclusive carriers without naming them. Ask for the issuing insurer, admitted or surplus-lines status, and proposed forms on any quote. [27](https://www.heffins.com/business-insurance/cyber-insurance/ "Cyber Security Insurance") [35](https://www.heffins.com/business-insurance/transportation/ "Transportation Insurance") [36](https://www.heffins.com/business-insurance/health-care/ "Healthcare Insurance for Health Care Services") [34](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") [32](https://www.heffins.com/short-term-general-liability/ "Short-Term General Liability") [19](https://www.heffins.com/ "Heffernan Insurance Brokers") (Evidence: Not publicly disclosed; scope: No verified carrier panel or ratings. Propeller and Thimble are distinct from a customary growth-stage technology placement.; verified: 2026-09-16.) |

## Related Reading

- [What Is Harper Insurance?](https://spot.insure/insurance-providers/harper)
- [What Is Heffernan Insurance Brokers?](https://spot.insure/insurance-providers/heffernan)

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## Sources

### [Harper Official Website](https://www.harperinsure.com/)

1. [Harper Homepage](https://www.harperinsure.com/). Harper; Opening process; coverage cards; industry examples; insurer-logo panel; quote-request form; legal footer. Accessed 2026-09-15.
2. [Text Messaging Terms and Conditions](https://www.harperinsure.com/sms-terms). 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.
3. [Privacy Policy](https://www.harperinsure.com/privacypolicy). Harper Group Corp.; Introduction; sections 2–3 on information collection and decision review; sections 7–8 on AI vendors, internal model training and human oversight. Accessed 2026-09-15.
4. [Georgia Agency License Inquiry: Harper Global Enterprises Inc.](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y). Georgia Office of Commissioner of Insurance and Safety Fire, via Sircon; Select Georgia, Agency, license 237101, then Submit. Result for HARPER GLOBAL ENTERPRISES INC., NPN 21740058: license and qualification tables (session-based result). Accessed 2026-09-15.
5. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; License-number search for 6017784; CAPTCHA validation failed before a result was returned. Accessed 2026-09-15.
6. [Harper Company Profile and Founder Launch Post](https://www.ycombinator.com/companies/harper). Y Combinator / Harper founders; Company description and founder launch: complex commercial risks; internal Harper Hub form completion, carrier matching and communications; autonomy described as a goal. Accessed 2026-09-15.
7. [What We Cover](https://www.harperinsure.com/coverages). Harper; Coverage directory links and coverage choices in the public intake form. Accessed 2026-09-15.
8. [Industries We Serve](https://www.harperinsure.com/industries). Harper; Industry directory and introductory customer focus: construction, care providers and auto dealers among the listed businesses. Accessed 2026-09-15.
9. [General Liability Insurance](https://www.harperinsure.com/coverages/general-liability). Harper; Product introduction, certificate-request instructions, specialist-led placement steps and cost FAQ. Accessed 2026-09-15.
10. [Workers Compensation Insurance](https://www.harperinsure.com/coverages/workers-compensation). Harper; Payroll classification discussion and FAQs about audits and pricing. Accessed 2026-09-15.
11. [Security Guards Insurance](https://www.harperinsure.com/industries/security-guards). Harper; Description of guard businesses, coverage categories, use-of-force risks and service features. Accessed 2026-09-15.
12. [Surety Bonds](https://www.harperinsure.com/coverages/surety-bonds). Harper; Bond categories, repayment obligations and timing FAQ. Accessed 2026-09-15.
13. [We're Announcing $47M to Build the Insurance Company Every Business Deserves](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement). 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.
14. [Insurance Brokers: Wholesale Program](https://www.harperinsure.com/industries/insurance-brokers). Harper; Specialty and non-admitted markets, selective binding authority FAQ, white-label options and commission FAQ. Accessed 2026-09-15.
15. [Harper Partners](https://partners.harperinsure.com/). Harper; Referral terms and FAQs covering commission split, timing, account ownership and service duties; illustrative example; footer qualification for unlicensed referral sources. Accessed 2026-09-15.
16. [Customer Portal Entry](https://customer.harperinsure.com/). Harper; Public entry page: listed functions, invitation-based sign-in instructions and service-team contact. Accessed 2026-09-15.
17. [Why 2000+ Companies Trust Harper For Business Insurance](https://www.harperinsure.com/insurance-insights/why-companies-trust-harper-restructured/). Harper Insurance Team; Article dated January 21, 2025: carrier ratings, pricing transparency, claims support and ongoing management. Accessed 2026-09-15.
18. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Form 700, revised June 14, 2024; purchasing through a broker-agent, commercial claims, surplus lines, and glossary definition of insurer. Used for role distinctions, not nationwide legal rules. Accessed 2026-09-15.

### [Heffernan Insurance Brokers Official Website](https://www.heffins.com)

19. [Heffernan Insurance Brokers](https://www.heffins.com/). Heffernan Insurance Brokers; What we offer; Independent since 1988; Built for what’s next; footer copyright and License #0564249; Quick Insure; Get a quote; Propeller bond-portal disclaimer. Accessed 2026-09-16.
20. [Our Story](https://www.heffins.com/about-us/our-story/). Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
21. [Our Locations](https://www.heffins.com/about-us/locations/). Heffernan Insurance Brokers; Nationwide coverage heading; Walnut Creek corporate headquarters; Bay Area and other California offices; Pacific Northwest, Mountain West, Northeast, Southeast, Honolulu; London Costero listing; footer License #0564249. Accessed 2026-09-16.
22. [Walnut Creek](https://www.heffins.com/about-us/locations/walnut-creek/). Heffernan Insurance Brokers; Corporate headquarters; founded 1988 in Walnut Creek. Accessed 2026-09-16.
23. [Privacy Statement](https://www.heffins.com/privacy-statement/). Heffernan Insurance Brokers; Collection for professional services; disclosure to non-affiliated third parties to solicit quotations from insurance carriers; website content developed in the United States and intended for U.S. users except where otherwise specified. Accessed 2026-09-16.
24. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). Heffernan Insurance Brokers; Basic coverages list; corporate and executive protection list; alternative risk capabilities; claims, loss control and risk-management services; industry practice links including Technology and Claims Advocacy. Accessed 2026-09-16.
25. [Technology Company Insurance](https://www.heffins.com/business-insurance/technology/). Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why heffernan broker history; Joseph Talmadge practice leader. FAQ treated as educational, not a product catalogue.. Accessed 2026-09-16.
26. [Small Business Insurance](https://www.heffins.com/business-insurance/small-business/). Heffernan Insurance Brokers; Sole proprietors to fast-growing companies; types of coverage we can provide; industry list including Technology. Accessed 2026-09-16.
27. [Cyber Security Insurance](https://www.heffins.com/business-insurance/cyber-insurance/). Heffernan Insurance Brokers; Cyber risk team that determines exposure, shops the market, presents options, and guides coverage selection. FAQ cost ranges treated as educational, not a price schedule.. Accessed 2026-09-16.
28. [Claims Advocacy](https://www.heffins.com/business-insurance/claims-advocacy/). Heffernan Insurance Brokers; Full-service claims consulting; workers’ compensation strategy and carrier liaison; medical triage; general liability, auto and property advocacy; vendor compliance tools. Outcome and speed claims are company-reported.. Accessed 2026-09-16.
29. [Health Insurance services](https://www.heffins.com/employee-benefits/). Heffernan Insurance Brokers; Heffernan Benefit Advisors; large and small group employee benefits, dental, vision, life and disability, voluntary benefits, Medicare; Administration and Advocacy. Accessed 2026-09-16.
30. [Contact Us](https://www.heffins.com/contact-us/). Heffernan Insurance Brokers; Unsubmitted Contact Form 7: First Name, Last Name, Email, Phone, Insurance Needed, Description of Operations; Select Need A Quote / Other / Would like to speak with someone; Submit. No premium displayed.. Accessed 2026-09-16.
31. [Quick Insure](https://www.heffins.com/quick-insure/). Heffernan Insurance Brokers; Fast quotes for personal and business insurance; business tiles including Short Term General Liability, Surety, Special Event Insurance, Peer-to-Peer Car Rental; Trusted Providers copy without named carriers. Accessed 2026-09-16.
32. [Short-Term General Liability](https://www.heffins.com/short-term-general-liability/). Heffernan Insurance Brokers; Partnership with Thimble Insurance Services for on-demand general liability; eligibility, pricing and coverage may vary by state; non-binding indication disclaimer. Accessed 2026-09-16.
33. [Construction & Contractor Liability Insurance](https://www.heffins.com/business-insurance/construction/). Heffernan Insurance Brokers; We offer customized builders risk coverage; contractor sectors served. FAQ cost percentages treated as educational.. Accessed 2026-09-16.
34. [Marine Cargo](https://www.heffins.com/business-insurance/marine-cargo/). Heffernan Insurance Brokers; Coverage options including marine cargo, E&O and surety bonds; in-house underwriting authority; exclusive access to major insurance carriers (unnamed); dedicated claims division with settlement authority. Accessed 2026-09-16.
35. [Transportation Insurance](https://www.heffins.com/business-insurance/transportation/). Heffernan Insurance Brokers; Appointed with top transportation carriers (unnamed); trucking and final mile delivery subsectors; exclusive and sponsored products including auto liability, motor truck cargo, umbrella, workers’ compensation, cyber and management liability. Accessed 2026-09-16.
36. [Healthcare Insurance for Health Care Services](https://www.heffins.com/business-insurance/health-care/). Heffernan Insurance Brokers; Medical Malpractice listed among healthcare services; relationships with the nation’s top insurance carriers (unnamed); captives and self-insurance options. Accessed 2026-09-16.
37. [Home Care Business Insurance](https://www.heffins.com/business-insurance/health-care/homecare/). Heffernan Insurance Brokers; We offer comprehensive coverage for list including workers’ compensation, general and professional liability, EPL, owned auto, non-owned and hired auto, crime, employee dishonesty bond, cyber, medical billing E&O, and property. “Covering all states” is company-reported, not a verified eligibility schedule.. Accessed 2026-09-16.
38. [Private Equity and M&A](https://www.heffins.com/business-insurance/private-equity-and-ma/). Heffernan Insurance Brokers; Representation & Warranty (RWI) Insurance; transactional risk list including contingent, environmental, tax and litigation buyout; HIB Private Equity and M&A Practice. Accessed 2026-09-16.
39. [Heffernan Network Insurance Brokers](https://www.heffins.com/about-us/heffernan-network-insurance-brokers/). Heffernan Insurance Brokers; Formerly OLI Insurance Services; wholly owned subsidiary; agency acquisition and perpetuation; exclusive carrier access described for partner agencies. Accessed 2026-09-16.
40. [London, UK – Costero Brokers](https://www.heffins.com/about-us/locations/costero-brokers-ltd/). Heffernan Insurance Brokers; Costero Brokers Ltd. London office listing; full-service London brokerage; link to costerobrokers.com. Accessed 2026-09-16.
41. [Modern Brokerage Solutions](https://www.heffins.com/about-us/modern-brokerage-solutions/). Heffernan Insurance Brokers; Independent brokerage; digital document access and service activity status; TrustLayer and Quick Insure mentions; AI workflow claims for claims administration. Outcome claims are company-reported.. Accessed 2026-09-16.
42. [Heffernan Insurance Brokers Acquires Kristin Manwaring Insurance Associates, Inc.](https://www.prnewswire.com/news-releases/heffernan-insurance-brokers-acquires-kristin-manwaring-insurance-associates-inc-302860809.html). Heffernan Insurance Brokers via PR Newswire; 26 August 2026 release; Walnut Creek; independent brokerage; F. Michael Heffernan, President and CEO; License #0564249 in about block. Accessed 2026-09-16.
43. [SkyKnight Invests in Heffernan Insurance Brokers to Support the Platform’s Continued Growth](https://insurancenewsnet.com/oarticle/skyknight-invests-in-heffernan-insurance-brokers-to-support-the-platforms-continued-growth). InsuranceNewsNet reprint of SkyKnight Capital BusinessWire; 22 July 2019 announcement; minority investment; ESOP recapitalization; Mike Heffernan quote on retaining employee ownership. Historical ownership event; current cap table not independently verified.. Accessed 2026-09-16.
44. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; Search form inspected 16 September 2026; no license-number query submitted; page showed empty search results (“No data”). No status or legal-name conclusion drawn from the empty form.. Accessed 2026-09-16.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/harper-vs-heffernan.md)
- [Developer resources](https://spot.insure/developers)
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