Harper vs HUB International: How Do They Compare for General Liability Insurance?

HUB International brokers GL and has prospects contact a HUB broker to get started; Harper takes one application to multiple insurers, aimed at hard-to-place businesses and those needing certificates.

Harper specifically targets businesses declined elsewhere and shops one application to multiple insurers; HUB starts general-liability buyers with a broker but does not publish who it targets. ^1,²

What Are the Key Differences Between Harper and HUB International General Liability Insurance?

Hard-to-Place Eligibility Versus Broker Consultation

Harper names hard-to-place or previously declined businesses as a target and sends one application to multiple insurers; HUB asks buyers to contact a broker and lists typical claim scenarios without stating a target business profile. ¹ ² Choose Harper if you have been declined elsewhere; choose HUB if you want a broker to discuss coverage scenarios for your business.

Naming a Target Buyer

Harper markets general liability to businesses that need a certificate for a lease, client contract or license, and specifically says hard-to-place or previously declined businesses are the operations it targets. ¹Company-reported. Product-page marketing copy; not an eligibility guarantee for a particular applicant.

HUB's reviewed page makes no comparable claim to Harper's about eligibility; it lists coverage scenarios (injuries to visitors, property damage, advertising injury) without saying which businesses fit its book or how it decides. ²

What Neither Page Discloses

Neither Harper nor HUB names the insurer that would end up on the policy: Harper's outcome depends on which of several carriers accepts the risk, and HUB's product page simply doesn't disclose one. ¹ ² HUB also doesn't publish limits, deductibles or line-specific risk-control services, while Harper at least states a commonly requested starting limit of $1 million. ² ¹

Starting the Process

Harper's quote form collects business details online before a specialist follows up. ¹ HUB skips an online quote step entirely and tells prospects the amount of coverage needed depends on factors like business type and location, directing them to contact a HUB broker directly. ²

What Should You Confirm in Harper and HUB International General Liability Insurance Quotes?

Ask HUB which insurer it intends to place your policy with, since its product page doesn't name one. ²
Ask Harper the same question about which insurers are reviewing your application. ¹
Ask Harper whether "hard to place" applies to your business and what that changes about pricing or terms. ¹
Get published limit and deductible options from HUB directly, since none appear on its site. ²
Ask each provider what risk-control or safety services, if any, come with the policy for this line.

Harper vs HUB International General Liability Insurance Compared

Harper vs HUB International: General Liability Insurance: documented features by provider

Criteria	Harper General Liability Insurance	HUB International General Liability Insurance Brokerage
How to Apply	You apply for Harper general liability through an online quote form (business details, state, revenue and coverage needs) that a specialist follows up on, rather than an instant-bind online purchase. ¹Company-reported. Quote form and FAQ observed on the product page.	HUB says the amount of general liability coverage a business needs depends on factors such as the type of business and its location, and directs prospects to contact a HUB broker to get started. ²Company-reported. Product-page copy; no online quote or bind flow is described.
Coverage Features	Harper describes the general liability policies it places as covering bodily injury to third parties, property damage the business causes to others' property, and legal defense costs, including when a claim turns out to be groundless. ¹Company-reported. Product-page coverage summary; the issued policy and its exclusions control the actual terms.	HUB says general liability policies it arranges typically respond to bodily injury to customers, employees, vendors or visitors on the client's premises, personal injury from an employee's negligence or actions, property damage caused by employees, and advertising injury such as slander or false advertising claims. ²Company-reported. Product-page description of typical coverage scenarios; the issued policy and its exclusions control what a specific claim triggers.
Role in This Line	Harper places general liability coverage by taking one application to multiple insurers rather than underwriting the policy itself, and a specialist reviews the business before it is quoted. ¹Company-reported. Harper's own general liability product page. Describes the brokerage process, not an insurer or underwriting decision.	HUB brokers commercial general liability coverage rather than underwriting it itself, placing the policy with an insurer on the client's behalf. ²Company-reported. General liability product page as read on 2026-09-23; the page does not name an issuing insurer.