Harper vs 
HUB International General Liability Insurance
Harper markets its brokerage to businesses other insurers have turned down; HUB describes a broker-contact process without naming who it targets.
What Is Harper Insurance?
Harper is a commercial insurance brokerage for businesses with complex risks. Its specialists use AI tools to gather information, seek quotes from insurers and help customers manage coverage. 1,2
What Is HUB International?
HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. 4,5,6
What Is General Liability Insurance?
General liability covers claims that your business injured someone, damaged their property or committed a specified personal or advertising offense. It does not insure your own building or equipment. 8,9
Key Differences in General Liability Insurance
Two Brokers, Two Different Pitches
Harper and HUB are both brokers rather than insurers for this line: Harper takes one application to multiple insurers with a specialist review first, while HUB places the policy with an insurer on the client's behalf without describing a review step. 3 7 Where they differ is who each says the coverage is for.
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. 3Company-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. 7
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. 3 7 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. 7 3
Starting the Process
Harper's quote form collects business details online before a specialist follows up. 3 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. 7
What to Confirm in General Liability Insurance Quotes
- Ask HUB which insurer it intends to place your policy with, since its product page doesn't name one. 7
- Ask Harper the same question about which insurers are reviewing your application. 3
- Ask Harper whether "hard to place" applies to your business and what that changes about pricing or terms. 3
- Get published limit and deductible options from HUB directly, since none appear on its site. 7
- Ask each provider what risk-control or safety services, if any, come with the policy for this line.
Offering Details
Harper vs HUB International General Liability Insurance: documented features by provider
| Criteria | Harper General Liability Insurance | HUB International General Liability Insurance Brokerage |
|---|---|---|
| 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. 3Company-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. 7Company-reported. General liability product page as read on 2026-09-23; the page does not name an issuing insurer. |
| Issuing Insurer | Not described in the reviewed sources. | The general liability product page does not name an issuing insurer; HUB places general liability business with insurers that vary by client and placement. 7Not found in reviewed sources. Checked the general liability product page on 2026-09-23; no carrier is disclosed there. |
| Who It’s For | 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. 3Company-reported. Product-page marketing copy; not an eligibility guarantee for a particular applicant. | Not described in the reviewed sources. |
| 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. 3Company-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. 7Company-reported. Product-page description of typical coverage scenarios; the issued policy and its exclusions control what a specific claim triggers. |
| Limits and Retentions | Harper says most leases and contracts ask for $1 million per claim as a starting limit, and it will recommend higher limits when a business's situation calls for it. The page does not publish a maximum available limit. 3Company-reported. FAQ answer on the general liability page; actual limit options depend on the insurer and underwriting. | Published per-occurrence or aggregate limits, deductibles or retentions for HUB-placed general liability policies were not found on the product page. 7Not publicly disclosed. Checked the general liability product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page. |
| Risk Services | Harper says it issues certificates of insurance the same day a landlord, client or venue requests one, once a policy is in force. 3Company-reported. Product-page service claim; not independently timed or confirmed for a particular request. | The general liability product page does not describe line-specific risk-control or safety services; it only lists related products such as business interruption, D&O, EPL and workers' compensation insurance. 7Not found in reviewed sources. Checked the general liability product page on 2026-09-23. |
| 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. 3Company-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. 7Company-reported. Product-page copy; no online quote or bind flow is described. |
| Claims Support | The reviewed general liability page does not describe a claims-reporting process or claims-advocacy service specific to this line. 3Not found in reviewed sources. Scoped to the general liability product page as read on 2026-09-23; the provider record separately describes general claims assistance across lines, not checked here for this line specifically. | Not described in the reviewed sources. |
Full Comparison
More Harper vs HUB International Comparisons
Other General Liability Insurance Comparisons
Sources
Harper
- Text Messaging Terms and Conditions. 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.
- We're Announcing $47M to Build the Insurance Company Every Business Deserves. 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.
- General Liability Insurance. Harper; Product hero; Know your coverage: What is General Liability insurance?; Bodily injury, Property damage, Legal defense, Certificates on demand; Why Harper (specialist review, multiple insurers, same-day certificates); FAQ: Is general liability required by law?, What limits do I need?, What does it cost? Accessed 2026-09-23.
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- General Liability Insurance Brokers. HUB International; What's typically covered: bodily injuries, personal injuries, property damage, advertising injury; coverage-amount factors; related coverage links; Contact a HUB broker call to action. Accessed 2026-09-23.
General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
