---
title: "Harper vs HUB International"
description: "How Harper’s hard-to-place and wholesale-oriented model differs from HUB International’s retail technology and general commercial brokerage when a company mixes software with contracting or care operations."
canonical: "https://spot.insure/compare/harper-vs-hub-international"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Harper", "HUB International"]
---
[Human-readable page](https://spot.insure/compare/harper-vs-hub-international)
# Harper vs HUB International
How Harper’s hard-to-place and wholesale-oriented model differs from HUB International’s retail technology and general commercial brokerage when a company mixes software with contracting or care operations.
## Research Scope and Use
Use this comparison to evaluate Harper and HUB International 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 focuses on hard-to-place operations such as contracting, care services, manufacturing and transportation, with documented wholesale authority. HUB International is a general commercial and technology broker with local offices and an Insureon path for qualifying small accounts. [1](https://www.harperinsure.com/ "Harper Homepage") [8](https://www.harperinsure.com/industries "Industries We Serve") [7](https://www.harperinsure.com/coverages "What We Cover") [28](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [27](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") [26](https://www.hubinternational.com/contact-us/ "Contact Us")
## Introduction
Harper and HUB International can both quote general liability or workers’ compensation, but Harper’s published appetite is built around operations many retail portals decline. HUB’s technology and San Francisco materials emphasize software, venture capital and standard commercial lines. If your company mixes software-as-a-service (SaaS) with field technicians, construction or care services, the question is which intermediary treats the harder-to-place class as a documented appetite, not an inferred afterthought. [8](https://www.harperinsure.com/industries "Industries We Serve") [1](https://www.harperinsure.com/ "Harper Homepage") [28](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [19](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco")
## 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.)
### HUB International
- HUB’s technology practice markets insurance and benefits programs to startups and software, hardware and digital-media companies, and says it currently insures more than 5,000 technology companies. [28](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Industry marketing page only. Does not establish California eligibility, insurer panels or policy wording for any named coverage.; verified: 2026-09-16.)
- HUB routes qualifying small commercial accounts to Insureon’s online quote and other business insurance to a HUB advisor or local office; there is no published self-serve bind path for mid-market programs on hubinternational.com. [26](https://www.hubinternational.com/contact-us/ "Contact Us") [29](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [30](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [31](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [28](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [24](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.)
## Coverage Comparison
| Coverage Type | Harper | HUB International |
| --- | --- | --- |
| Builders risk | Listed [1](https://www.harperinsure.com/ "Harper Homepage") | Listed [28](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| Business owner’s policy | Listed [7](https://www.harperinsure.com/coverages "What We Cover") | Listed [36](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") |
| Cargo and transit | Not listed | Listed [46](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [28](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| Commercial auto | Listed [1](https://www.harperinsure.com/ "Harper Homepage") | Listed [38](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") |
| Commercial property | Listed [1](https://www.harperinsure.com/ "Harper Homepage") | Listed [37](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") |
| Crime | Not listed | Listed [39](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [34](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") |
| Cyber liability | Listed [1](https://www.harperinsure.com/ "Harper Homepage") | Listed [31](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [28](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| Directors and officers | Not listed | Listed [30](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [28](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| Employee health and benefits | Not listed | Listed [48](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [19](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") |
| Employment practices liability | Not listed | Listed [34](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [28](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| Equipment breakdown | Listed [1](https://www.harperinsure.com/ "Harper Homepage") | Listed [47](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") |
| Fidelity bonds | Not listed | Listed [34](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") |
| Fiduciary liability | Not listed | Listed [40](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [34](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") |
| Garage liability | Listed [1](https://www.harperinsure.com/ "Harper Homepage") | Not listed |
| General liability | Listed [1](https://www.harperinsure.com/ "Harper Homepage") | Listed [29](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") |
| Hired and non-owned auto | Not listed | Listed [38](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") |
| Key person | Not listed | Listed [28](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| Kidnap and ransom | Not listed | Listed [41](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [34](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") |
| 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 [28](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [34](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") |
| Medical malpractice | Listed [7](https://www.harperinsure.com/coverages "What We Cover") | Listed [43](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") |
| Product liability | Listed [7](https://www.harperinsure.com/coverages "What We Cover") | Listed [45](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") |
| Product recall | Not listed | Listed [45](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") |
| Professional liability / E&O | Listed [7](https://www.harperinsure.com/coverages "What We Cover") | Listed [32](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [33](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") |
| Representations and warranties | Not listed | Listed [44](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") |
| Surety bonds | Listed [12](https://www.harperinsure.com/coverages/surety-bonds "Surety Bonds") | Listed [42](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") |
| Technology errors and omissions | Not listed | Listed [28](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") |
| Tools, equipment and inland marine | Listed [7](https://www.harperinsure.com/coverages "What We Cover") | Listed [46](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") |
| Trucking | Not listed | Listed [38](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") |
| Umbrella and excess liability | Listed [7](https://www.harperinsure.com/coverages "What We Cover") | Listed [45](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") |
| Virtual care and telehealth | Not listed | Listed [49](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") |
| Workers’ compensation | Listed [7](https://www.harperinsure.com/coverages "What We Cover") [10](https://www.harperinsure.com/coverages/workers-compensation "Workers Compensation Insurance") | Listed [35](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") |
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 HUB International
### Wholesale Authority Versus Retail Brand
Harper documents wholesale authority alongside its retail-facing quote tools, which matters when a class is placed in surplus lines. [1](https://www.harperinsure.com/ "Harper Homepage") HUB documents retail brokerage and separately notes that it owns wholesale brokerages that may earn a second commission when HUB retail uses them. [22](https://www.hubinternational.com/about-us/ "About Us") [25](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid")
HUB also owns wholesale brokerages that may earn a second commission when HUB retail uses them. Harper’s wholesale disclosure is about Harper’s own authority. Ask each proposal whether surplus-lines or wholesale paper is in the chain and which name is on the producer license. [25](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") [1](https://www.harperinsure.com/ "Harper Homepage")
### Class of Business
Harper’s workers’ compensation service notes highlight payroll classification and premium-audit preparation—the kind of work that matters when job duties mix office and field. HUB markets workers’ compensation as a core commercial line without that same published classification walkthrough. Neither page sets your governing class code. [10](https://www.harperinsure.com/coverages/workers-compensation "Workers Compensation Insurance") [35](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")
### Quote Mechanics
Harper describes a hub workflow, AI with human review, and binding confirmation rules. HUB describes contacting a broker or Insureon. A mixed-class risk may not fit Insureon’s small-business digital appetite even if headcount is under 50; that is a question for Insureon and HUB, not a finding from Harper’s site. [1](https://www.harperinsure.com/ "Harper Homepage") [26](https://www.hubinternational.com/contact-us/ "Contact Us")
### Surety and Specialty Lists
Harper publishes surety and security-guard appetite materials. HUB publishes surety-bond product pages aimed partly at construction contracting. Both names can appear on a coverage list; availability still depends on underwriting. [12](https://www.harperinsure.com/coverages/surety-bonds "Surety Bonds") [42](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses")
## What to Confirm in Quotes
- **Class codes and payroll split** for office versus field staff. [10](https://www.harperinsure.com/coverages/workers-compensation "Workers Compensation Insurance") [35](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")
- **Surplus-lines producer** on any non-admitted layer. [4](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y "Georgia Agency License Inquiry: Harper Global Enterprises Inc.") [23](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions")
- **Whether Insureon will even accept the class** if HUB routes you there. [26](https://www.hubinternational.com/contact-us/ "Contact Us")
## Service Comparison
Harper vs HUB International: documented services and availability.
| Criteria | Harper | HUB International |
| --- | --- | --- |
| Business role | Harper is a commercial insurance brokerage: it helps businesses find insurance from other companies and arrange the purchase. You can request a quote online or speak with a specialist, who gathers information, approaches insurers and explains the options. [2](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") [9](https://www.harperinsure.com/coverages/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: Current buyer-facing brokerage description. This does not establish insurer status, universal market access or an independently tested purchasing outcome.; verified: 2026-09-15.)
Harper’s text-messaging terms identify the brokerage as Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency. Its privacy policy instead names Harper Group Corp. The reviewed disclosures do not explain the corporate relationship between those names. [2](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") [3](https://www.harperinsure.com/privacypolicy "Privacy Policy") (Evidence: Company-reported; scope: The entity difference is preserved without inferring a parent/subsidiary relationship, merger or error. Georgia independently corroborates the agency corporation; the DBA is company-disclosed.; verified: 2026-09-15.)
Harper separately markets wholesale access for other brokers, including specialty and non-admitted insurers. That page claims binding authority on selected programs but does not identify the delegating insurers, products, states or authority limits. It is not evidence that Harper itself bears the insured risk. [14](https://www.harperinsure.com/industries/insurance-brokers "Insurance Brokers: Wholesale Program") (Evidence: Company-reported; scope: Selective authority expressly claimed by company, not inferred from AI. No delegation contract or named binding program obtained. Non-admitted means the insurer is not licensed as an admitted insurer in the state of placement.; verified: 2026-09-15.) | HUB International Limited describes itself as a full-service insurance broker and financial-services firm. Its website terms say HUB’s subsidiaries are licensed as insurance brokers or agents in various U.S. states and Canadian provinces. The reviewed product pages market brokerage of policies issued by insurers, not HUB as a risk-bearing carrier for those policies. [22](https://www.hubinternational.com/about-us/ "About Us") [23](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [27](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") (Evidence: Company-reported; scope: Brand and parent identity as of 16 September 2026. Does not identify which subsidiary would appear on a California producer license or policy declarations.; verified: 2026-09-16.)
HUB’s About Us timeline states that in 2022 it acquired Insureon for digital delivery of small-business commercial insurance. Insureon and TechInsurance say they are part of HUB; Insureon says it operates as a division of Specialty Program Group LLC, doing business as SPG Insurance Solutions. TechInsurance describes itself as part of Insureon rather than as a separate HUB retail office. [22](https://www.hubinternational.com/about-us/ "About Us") [52](https://www.insureon.com/about-us "About Insureon") [53](https://www.insureon.com/legal/licenses "Insurance Licenses by State") [54](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon "Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon") [55](https://www.techinsurance.com/about-us "About Us | TechInsurance") (Evidence: Company-reported; scope: Corporate-affiliation statements. Does not establish that every HUB office places business through Insureon, or that TechInsurance is a distinct California producer.; verified: 2026-09-16.) |
| 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.) | HUB’s San Francisco Mission Street office says its brokers work across commercial lines, personal lines and high-net-worth, and employee benefits, and names Bay Area industries including technology, venture capital, healthcare and life sciences, real estate and construction. The same page says the team helps startups navigate risk. That is office marketing, not a published eligibility list. [19](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") [20](https://www.hubinternational.com/offices/us/california/san-francisco-44-montgomery-street/ "HUB International San Francisco 44 Montgomery Street") (Evidence: Company-reported; scope: HUB International San Francisco office page at 201 Mission Street. A separate 44 Montgomery Street office describes contractor bonding and City of San Francisco contractor-development work under a Merriwether & Williams history.; verified: 2026-09-16.)
HUB’s technology-company page addresses fast-growing startups and established software, hardware or digital-media businesses. It lists a technology-specific mix that includes professional liability/technology E&O, cyber, D&O and other management liability, transactional/warranty insurance, workers’ compensation, employee benefits and key-person coverages. The page also claims more than 5,000 technology companies currently insured; that figure is company-reported and was not independently counted here. [28](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Industry marketing page only. Does not establish California eligibility, insurer panels or policy wording for any named coverage.; verified: 2026-09-16.)
HUB’s contact page says it supports small businesses through partner Insureon and directs companies with 50 employees or fewer or under $5 million in annual revenue to start with an online quote. Larger or other commercial needs are directed to HUB commercial-insurance teams or a local office search. Those thresholds are HUB’s routing rules, not a regulatory definition of small business. [26](https://www.hubinternational.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: HUB contact-us Business Solutions copy as of 16 September 2026. Actual Insureon underwriting appetite can differ by product and insurer.; 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.)
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.)
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.)
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.)
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.)
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.) | On hubinternational.com, commercial buyers are asked to contact a broker, connect with a specialist, or use Contact Us. Small-commercial inquiries meeting HUB’s stated size tests go to Insureon for an online quote. Product pages such as general liability, D&O, cyber and workers’ compensation use “Contact Us” or “Connect With a Broker” rather than an on-site bind flow. Privacy policy language refers to automation for insurance quoting, without documenting a public HUB retail e-commerce checkout for mid-market programs. [26](https://www.hubinternational.com/contact-us/ "Contact Us") [29](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [30](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [31](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [28](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [24](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; 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.)
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.)
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.)
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.)
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.) | HUB publishes dedicated business-insurance product pages for, among other lines, general liability, commercial property, workers’ compensation, business owners policies, commercial auto (including hired and non-owned exposures and trucking), cyber, directors and officers, professional liability/E&O, crime, fiduciary liability, kidnap and ransom, surety bonds, medical malpractice, marine/inland marine and cargo, boiler and machinery/equipment breakdown, and mergers-and-acquisitions representations-and-warranties insurance. Its casualty page also lists product liability, umbrella and excess, and product-recall as program elements. Employee-benefits brokerage is marketed separately. Actual policy forms, limits and eligibility are not set by those marketing pages. [27](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") [29](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [37](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [35](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [36](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") [38](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [31](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [30](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [32](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [33](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [39](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [40](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [41](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [42](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [43](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") [46](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [47](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") [44](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [45](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [48](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [34](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: Official product and casualty pages accessed 16 September 2026. Catalogue entries are brokerage offerings, not proof that a California startup can obtain each line on stated terms.; verified: 2026-09-16.)
For technology companies, HUB lists professional liability/technology E&O, cyber, a patent package described as property, auto, liability and umbrella, international placements, cargo/stock throughput, property/builders risk, pollution liability, management liability including D&O, employment-practices liability, fiduciary liability, transactional/warranty insurance, crime, workers’ compensation, employee benefits, key-person life and disability, retirement solutions, and kidnap and ransom. [28](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Technology industry page inventory. Patent package is a HUB grouping label, not a finding that intellectual-property insurance is separately underwritten. Builders risk is listed there as a technology offering.; verified: 2026-09-16.) |
| Claims assistance | Harper says its team assists with claims documentation and communication, and advocates with the carrier. This describes brokerage assistance. The insurer named in the policy remains the company responsible for covered losses; claims support is not a promise that a claim will be paid. [17](https://www.harperinsure.com/insurance-insights/why-companies-trust-harper-restructured/ "Why 2000+ Companies Trust Harper For Business Insurance") [18](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") (Evidence: Company-reported; scope: Company support description plus CDI glossary insurer definition. No claims file, administrator agreement or independent claims-quality evidence reviewed.; verified: 2026-09-15.)
A dedicated claims-reporting procedure, after-hours response commitment and policy-specific notice address were not established in the reviewed Harper sources. Obtain those instructions with your policy. Harper’s messaging terms warn against relying on texts for urgent matters. [17](https://www.harperinsure.com/insurance-insights/why-companies-trust-harper-restructured/ "Why 2000+ Companies Trust Harper For Business Insurance") [16](https://customer.harperinsure.com/ "Customer Portal Entry") [2](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") (Evidence: Not found in reviewed sources; scope: Scoped public-source unknown, not a finding that claims support is unavailable. No assumption that a text to an agent constitutes timely policy notice.; verified: 2026-09-15.) | HUB markets a claims-management practice that it says includes dedicated claims professionals, advocacy, coverage-dispute support, TPA selection and audits, reserve analysis and litigation-management support. It states the team has more than 225 claims professionals in the United States and Canada. The page also publishes numerical process claims such as 24-hour turnaround on claims reporting; those figures are company-reported marketing metrics, not independently verified outcomes, and they do not describe how a particular insurer will adjust a claim. [50](https://www.hubinternational.com/products/risk-services/claims-management/ "Insurance Claims Management") (Evidence: Company-reported; scope: HUB claims-management service page. HUB is not identified as the claims-paying insurer. No assessment of claims-handling quality is made here.; verified: 2026-09-16.) |
## Related Reading
- [What Is Harper Insurance?](https://spot.insure/insurance-providers/harper)
- [What Is HUB International?](https://spot.insure/insurance-providers/hub-international)
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- [HUB International vs WithCoverage](https://spot.insure/compare/hub-international-vs-withcoverage)
## 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.
### [HUB International Official Website](https://www.hubinternational.com)
19. [Insurance Broker San Francisco](https://www.hubinternational.com/offices/us/california/san-francisco/). HUB International; JSON-LD InsuranceAgency record naming HUB International Limited as parent; About Us office copy for 201 Mission Street; products and industries blocks. Accessed 2026-09-16.
20. [HUB International San Francisco 44 Montgomery Street](https://www.hubinternational.com/offices/us/california/san-francisco-44-montgomery-street/). HUB International; Office profile describing Merriwether & Williams Insurance Services history, bonding and contractor-development programs. Accessed 2026-09-16.
21. [California Insurance Brokers](https://www.hubinternational.com/offices/us/california/). HUB International; Introductory copy and listed California office directory including San Francisco locations. Accessed 2026-09-16.
22. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
23. [Terms and Conditions](https://www.hubinternational.com/terms-and-conditions/). HUB International; Licensing section stating subsidiaries are licensed as brokers or agents in various U.S. states and Canadian provinces. Accessed 2026-09-16.
24. [HUB International Privacy Policy](https://www.hubinternational.com/about-us/privacy-policy/). HUB International; Effective 21 August 2025; applies to HUB International Limited and subsidiaries; insurance brokerage services; automation for quoting. Accessed 2026-09-16.
25. [How We Get Paid](https://www.hubinternational.com/about-us/how-we-get-paid/). HUB International; Commission, contingency, supplemental commission, client-paid fees, wholesale, carrier-services, strategic-carrier and other-compensation sections. Accessed 2026-09-16.
26. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
27. [Business Insurance Broker Coverage Policy](https://www.hubinternational.com/products/business-insurance/). HUB International; Essential coverage and beyond-the-basics product catalogue. Accessed 2026-09-16.
28. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Startup and software/hardware/digital-media audience; listed business and people coverages; claimed technology-client count. Accessed 2026-09-16.
29. [General Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/general-liability/). HUB International; Product page describing typical general-liability subjects and invitation to contact a broker. Accessed 2026-09-16.
30. [Directors and Officers (D&O) Liability Insurance Broker](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/). HUB International; Product page for private, nonprofit and public-company D&O brokerage. Accessed 2026-09-16.
31. [Cyber Insurance](https://www.hubinternational.com/products/business-insurance/cyber-insurance/). HUB International; Product page describing first-party and post-breach cyber expenses as typically arranged. Accessed 2026-09-16.
32. [Professional Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/). HUB International; Product page equating professional liability with errors and omissions and describing typical claim types. Accessed 2026-09-16.
33. [Errors and Omissions (E&O) Insurance Coverage](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/). HUB International; Industries listed for E&O including technology, and statement that policies are customized. Accessed 2026-09-16.
34. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; Professional & Executive Risk practice: EPL, fiduciary, crime/fidelity, K&R; certificates of insurance; claims and legal support; carrier-premium claim. Accessed 2026-09-16.
35. [Workers' Compensation Insurance Brokers](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/). HUB International; Product page on workers’ compensation brokerage, state-fund variation and typical benefits. Accessed 2026-09-16.
36. [Business Owners Policy (BOP) Company Coverage](https://www.hubinternational.com/products/business-insurance/business-owners-policy/). HUB International; BOP described as combined property and liability for small and mid-size businesses. Accessed 2026-09-16.
37. [Commercial (Business) Property Insurance Brokers](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/). HUB International; Property Practice description, domestic and global carrier access, traditional and alternative structures. Accessed 2026-09-16.
38. [Commercial Auto Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/commercial-auto/). HUB International; Commercial auto and trucking insurance; hired and non-owned exposures. Accessed 2026-09-16.
39. [Crime Insurance Brokers](https://www.hubinternational.com/products/business-insurance/crime-insurance/). HUB International; Crime/fraud coverage product page for private, public and not-for-profit organizations. Accessed 2026-09-16.
40. [Fiduciary Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/). HUB International; Fiduciary liability product page distinguishing it from D&O. Accessed 2026-09-16.
41. [Kidnap and Ransom Insurance Brokers](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/). HUB International; Kidnap and ransom product page for traveling executives and employees. Accessed 2026-09-16.
42. [Surety Bonds and Surety Bond Insurance for Businesses](https://www.hubinternational.com/products/business-insurance/surety-bonds/). HUB International; Contract surety types including bid, performance and payment bonds. Accessed 2026-09-16.
43. [Medical Malpractice Insurance Brokers](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/). HUB International; Medical malpractice brokerage, including telemedicine-related risks. Accessed 2026-09-16.
44. [Mergers & Acquisitions (M&A) Insurance Broker](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/). HUB International; Representations and warranties, litigation buyout and tax indemnification insurance. Accessed 2026-09-16.
45. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). HUB International; General and product liability, umbrella and excess, workers’ compensation, product recall ancillary, global carrier relationships. Accessed 2026-09-16.
46. [Marine Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/marine-insurance/). HUB International; Ocean and inland marine, cargo and related marine liability coverages; domestic and international carriers. Accessed 2026-09-16.
47. [Boiler and Machinery Equipment Insurance Coverage](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/). HUB International; Equipment breakdown / boiler and machinery product page. Accessed 2026-09-16.
48. [Employee Benefits Brokers and Consulting Services](https://www.hubinternational.com/products/employee-benefits/). HUB International; Employee-benefits brokerage and multi-year planning services. Accessed 2026-09-16.
49. [Virtual Care Insurance Brokerage Coverage](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/). HUB International; Virtual care medical professional liability, technology E&O, products liability, cyber and management liability list. Accessed 2026-09-16.
50. [Insurance Claims Management](https://www.hubinternational.com/products/risk-services/claims-management/). HUB International; Claims advocacy, TPA coordination, coverage-dispute support and published process metrics. Accessed 2026-09-16.
51. [Risk Management Information System (RMIS)](https://www.hubinternational.com/products/risk-services/risk-management-information-system/). HUB International; RMIS claims administration, certificate tracking and carrier/TPA data aggregation. Accessed 2026-09-16.
52. [About Insureon](https://www.insureon.com/about-us). Insureon; Insureon as part of HUB; licensed in every state; named example insurers; 2022 acquisition history; TechInsurance origin. Accessed 2026-09-16.
53. [Insurance Licenses by State](https://www.insureon.com/legal/licenses). Insureon; California 0L09546; footer that Insureon operates as a division of Specialty Program Group LLC dba SPG Insurance Solutions. Accessed 2026-09-16.
54. [Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon). Insureon; 1 March 2022 announcement that HUB would acquire the Insureon digital agency and brand; operations to sit in Specialty Program Group LLC. Accessed 2026-09-16.
55. [About Us | TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; TechInsurance as part of Insureon; 2022 HUB acquisition of Insureon’s digital agency. Accessed 2026-09-16.
56. [California Department of Insurance License Status Inquiry](https://cdicloud.insurance.ca.gov/cal). California Department of Insurance; Public license-search portal landing page; interactive search was not completed to a verifiable license record in this research. 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.
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