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

Harper suits a seller whose retailer or marketplace contract sets additional-insured status and limits; HUB International brokers product liability through its casualty practice, highlighting manufacturing, construction and healthcare, with assessments to set limits.

Harper serves makers, importers and sellers and matches policy limits and additional-insured terms to retailer or marketplace agreements. HUB places product liability within a broader casualty program that can include recall, crisis response and risk-financing assessments. ^1,³

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

Meet a Retailer Requirement or Build Casualty Coverage

Harper works with makers, importers and sellers of physical products and says it matches additional-insured status and limits to retailer or marketplace contracts. HUB’s product-liability offering sits in a casualty program addressing premises, operations, products, contractual liability, catastrophes and violent events. Choose Harper if a marketplace or retailer requires specific limits or additional-insured wording; choose HUB if you need product liability arranged with other casualty lines. ¹ ³

Include Recall and Crisis Response

HUB also arranges product recall, crisis response, sexual-misconduct liability, active-assailant protection and Violent Acts Liability. Harper’s reviewed page focuses on product liability and shopping a single application by product class; it does not list those related casualty products. Ask HUB which are included and whether recall coverage requires a separate policy. ³ ¹

Match Terms to Your Product and Retention Needs

HUB says its casualty team assesses retentions, structures and limits, and names transportation, construction, healthcare, hospitality, manufacturing and real estate among its industries. Harper focuses on makers, importers and sellers and notes that distributors and retailers may be named in claims even when they did not make the product. ³ ¹

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

Give Harper the vendor agreement and ask for the specified limits and additional-insured endorsement. ¹
Ask HUB which recall, crisis-response and casualty options are included or separately quoted. ³
Request HUB’s recommended retention and limits for your industry. ³
Compare insurer, exclusions and policy wording in both proposals. ¹ ³

Harper vs HUB International Product Liability Insurance Compared

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

Criteria	Harper Product Liability Insurance	HUB International General & Product Liability Insurance Brokerage
Who It’s For	Harper says the line is for makers, importers and sellers of physical products, and that importers, distributors and retailers can be named in a product claim even when they didn't manufacture the item. ¹Company-reported. Product liability page introduction and FAQ answer on non-manufacturer exposure.	HUB highlights vertical expertise in transportation, construction, healthcare, hospitality, manufacturing and real estate as industries where it says commercial liability exposures, including product liability, are most complex. ³Company-reported. Casualty product page industry-expertise description; not an underwriting appetite statement.
Coverage Features	Harper describes the coverage as responding to injury claims from a product, property damage the product caused, and the legal defense costs of those claims. ¹Company-reported. Product liability page's four coverage tiles (Injury claims, Property damage, Defense in depth, Vendor agreement compliance); the issued policy and its exclusions control actual scope.	HUB says its General & Product Liability offering addresses injuries or property damage to the public arising from a client's premises or operations, its products, contractual liabilities, natural catastrophes, or violent events. ³Company-reported. Casualty product page scope-of-protection description; the issued policy's insuring agreements and exclusions control an actual claim. HUB pairs its product liability brokerage with related casualty coverages it also arranges, including product recall coverage, crisis-response support, sexual misconduct liability (SML), active-assailant protection and Violent Acts Liability insurance. ³Company-reported. Casualty product page complementary-coverages list; availability of each coverage depends on the client and placement.
Role in This Line	Harper places product liability coverage as a broker: it says a specialist reviews the business and approaches insurers on the client's behalf rather than underwriting the policy itself. ¹Company-reported. Product liability page's 'Why Harper' section; describes Harper's placement process, not a specific insurer or policy.	HUB brokers general and product liability insurance as part of its casualty practice, arranging coverage with regional, national and specialty carriers rather than underwriting the policy itself. ³Company-reported. Casualty product page, read 2026-09-23; the page does not name a specific issuing insurer.
Risk Services	Harper says it will write the policy to match a retailer or marketplace vendor agreement, including additional-insured status and the specific limits those contracts require. ¹Company-reported. Product liability page 'We know this' section and FAQ on additional-insured requests; a service Harper describes performing, not an independently verified outcome.	HUB says its casualty team runs risk-financing assessments to set retention levels, program structures and coverage limits. ³Company-reported. Casualty product page strategic-approach description.