Harper vs HUB International: How Do They Compare for Umbrella and Excess Liability Insurance?

Harper takes quote requests by online form or phone, with a specialist reviewing underlying policies first; HUB International brokers umbrella through a casualty practice spanning transportation, construction and healthcare.

Harper is the simpler start for a small business: request a quote online or by phone, and a specialist checks which of your policies sit underneath so no gaps open. HUB suits companies in transportation, construction, healthcare, hospitality, manufacturing or real estate that want an industry casualty team. ^1,²

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

Online Request and Gap Check Versus an Industry Team

With Harper you request a quote through an online form or by phone. A specialist then reviews your existing policies and maps exactly which ones sit under the umbrella, since the umbrella follows their terms. That check matters because a policy left off the schedule gets no extra limit. HUB offers no online quote for this line; its casualty practice covers transportation, construction, healthcare, hospitality, manufacturing and distribution, and real estate, with risk services, claims, litigation and analytics support. Choose Harper if you are a small business that needs a lease- or contract-required umbrella quickly; choose HUB if you are in one of its industries and want claims and litigation help around the layer. ¹ ²

Where the Extra Limit Applies

Harper says its umbrella responds above general liability claims, auto liability claims and a workers’ comp claim when an injured employee also sues you. HUB frames the layer as protection against catastrophic settlements and judgments beyond your general liability, auto or employers’ liability limits. Harper also helps you size it, recommending an umbrella when a lease or contract requires it or when a claim would exceed what your business can absorb. ¹ ²

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

Ask Harper which primary policies are scheduled and whether employee injury suits are included. ¹
Ask HUB which insurers it will approach for your industry. ²
Get limits and premiums in writing from both; neither publishes them. ¹ ²
Ask both which insurer issues the policy. ¹ ²

Harper vs HUB International Umbrella and Excess Liability Compared

Harper vs HUB International: Umbrella and Excess Liability Insurance: documented features by provider

Criteria	Harper Umbrella Insurance	HUB International Umbrella and Excess Liability Insurance Brokerage
Who It’s For	Harper recommends an umbrella when a lease or contract requires liability limits above a business's primary policies, and otherwise frames it as a judgment call based on how much of a claim the business could absorb. ¹Company-reported. Umbrella FAQ 'Do I need an umbrella?'.	HUB says its casualty expertise, which includes umbrella and excess liability, spans transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate industries. ²Company-reported. Product-page industry list for the broader casualty practice; not umbrella-specific eligibility criteria.
Coverage Features	Harper describes the umbrella responding above general liability claims, above auto liability claims, and above a workers' compensation claim when an injured employee separately sues. ¹Company-reported. Umbrella page's four coverage tiles; the underlying and umbrella policies as issued control which claims actually qualify. Harper says the umbrella follows the terms of the policies underneath it, and that it maps exactly which underlying policies sit under a client's umbrella so there are no coverage gaps. ¹Company-reported. Umbrella FAQ 'Does it cover everything my other policies cover?'; a described mapping practice, not an independently verified outcome.	HUB describes umbrella and excess liability coverage as protection against potentially catastrophic liability claim settlements and judgments that exceed the limits of a client's underlying general liability, auto or employers'-liability policies. ²Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim.
Role in This Line	Harper places umbrella and excess liability coverage as extra limits stacked above a client's existing primary policies, rather than re-selling the underlying coverage itself. ¹Company-reported. Umbrella page introduction and 'What is Umbrella insurance?' section.	HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. ²Company-reported. Casualty insurance product page as read 2026-09-23; the page does not name an issuing insurer.

Criteria

Harper Umbrella Insurance

HUB International Umbrella and Excess Liability Insurance Brokerage

Who It’s For

Harper recommends an umbrella when a lease or contract requires liability limits above a business's primary policies, and otherwise frames it as a judgment call based on how much of a claim the business could absorb. ¹Company-reported. Umbrella FAQ 'Do I need an umbrella?'.

HUB says its casualty expertise, which includes umbrella and excess liability, spans transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate industries. ²Company-reported. Product-page industry list for the broader casualty practice; not umbrella-specific eligibility criteria.

Coverage Features

Harper describes the umbrella responding above general liability claims, above auto liability claims, and above a workers' compensation claim when an injured employee separately sues. ¹Company-reported. Umbrella page's four coverage tiles; the underlying and umbrella policies as issued control which claims actually qualify.

Harper says the umbrella follows the terms of the policies underneath it, and that it maps exactly which underlying policies sit under a client's umbrella so there are no coverage gaps. ¹Company-reported. Umbrella FAQ 'Does it cover everything my other policies cover?'; a described mapping practice, not an independently verified outcome.

HUB describes umbrella and excess liability coverage as protection against potentially catastrophic liability claim settlements and judgments that exceed the limits of a client's underlying general liability, auto or employers'-liability policies. ²Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim.

Role in This Line

Harper places umbrella and excess liability coverage as extra limits stacked above a client's existing primary policies, rather than re-selling the underlying coverage itself. ¹Company-reported. Umbrella page introduction and 'What is Umbrella insurance?' section.

HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. ²Company-reported. Casualty insurance product page as read 2026-09-23; the page does not name an issuing insurer.