Harper vs Markel Insurance: How Do They Compare for Professional Liability (E&O) Insurance?

Harper places professional liability coverage as a broker, writing the policy around the applicant's actual services rather than underwriting it, and describes a specialist handling the placement. ³Company-reported. Professional liability page introduction and 'Why Harper' section.

Harper markets the identical policy under two catalogue entries, "Professional Liability" and "Errors and Omissions"; the E&O page states it is the same policy, just named what a given industry calls it. ^4,5Company-reported. Coverage directory listing plus the E&O page's own description; a naming convention Harper states about itself, not a distinction between two products.

Markel describes offering professional errors omissions for the audience stated on the cited product page. ⁸Company-reported. professional errors omissions marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.

The reviewed pages name pricing drivers (services performed, revenue, contract size) but do not name the issuing insurer or publish specific limit, retention or premium figures for this line. ^3,4Not publicly disclosed. Checked both the professional-liability and errors-and-omissions pages on 2026-09-23; neither names a carrier or a limit figure.

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Harper targets consultants, agencies, tech firms and licensed professionals whose work product is advice, design or a decision, since general liability doesn't cover a client claiming that work caused a financial loss. ³Company-reported. Professional liability page introduction and FAQ distinguishing it from general liability.

Small businesses in ProBiz's targeted industries; source describes businesses up to $5 million revenue for the miscellaneous E&O product. ⁸Company-reported. professional errors omissions marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.

Harper describes coverage for errors and omissions in the work itself, negligence allegations about professional judgment, and legal defense costs, with limits it says are matched to the client contracts that require the policy. ^3,4Company-reported. Professional liability page's four coverage tiles; the E&O page adds that claims often surface a year or more after the work was delivered. The issued policy and its exclusions control actual scope.

The cited product page describes miscellaneous E&O for covered claims arising from professional services, with the page describing separate E&O and management-liability products. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. ⁸Company-reported. professional errors omissions marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.

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For its miscellaneous E&O product, Markel states coverage up to $2 million; this is a product-page maximum, not a promise that every applicant or quote receives that amount. ⁸Company-reported. Markel ProBiz miscellaneous E&O marketing page; class, underwriting, policy terms, and actual quoted limit control.

Harper says it reads a policy's exclusions line by line before a client buys, because two E&O policies with the same limit can respond very differently to the same claim. ³Company-reported. Professional liability page 'We know this' section; a described review practice, not an independently verified outcome.

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You request a quote online or by phone; if a client contract requires E&O, Harper says it places coverage matching that requirement and issues the certificate the same day. ³Company-reported. Professional liability page quote form and FAQ 'My client contract requires E&O. What now?'.

The page invites prospective customers or brokers to contact Markel or the named underwriting team. The page does not establish a quote, bind, or coverage-effective timeline. ⁸Company-reported. professional errors omissions marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.