Harper vs Newfront Product Liability Insurance

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. ³Company-reported. Product liability page's 'Why Harper' section; describes Harper's placement process, not a specific insurer or policy.

Newfront names product liability as one of the coverages its Casualty practice places, opening the practice page by saying it helps clients with "mitigating product liability and improving customer safety." Newfront brokers this coverage; it does not underwrite it. ⁹Company-reported. Casualty page opening description and Key Coverages list.

The reviewed product liability page does not name the insurer or insurers that would issue a given policy; Harper says it places the coverage with 'real insurers' generally rather than a named carrier for this line. ^3,4Not publicly disclosed. Checked the product liability page and the coverage directory on 2026-09-23; neither names a carrier for this specific line.

The reviewed page does not name an insurer for product-liability placements; Newfront describes "strong carrier relationships" generally rather than a specific product-liability panel. ⁹Not found in reviewed sources. Checked the Casualty page for a named product-liability carrier; none was found.

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. ³Company-reported. Product liability page introduction and FAQ answer on non-manufacturer exposure.

Newfront says its Casualty practice, led by Frannie Epps, serves companies "of all sizes, ranging from start-ups to Fortune 10" across a broad span of industries, without a product-liability-specific size or revenue threshold. ⁹Company-reported. Casualty page leadership bio; a practice-wide eligibility statement, not product-liability-only.

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. ³Company-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.

The reviewed page lists product liability as a named coverage within casualty placement but does not describe the specific insuring agreement, occurrence versus claims-made trigger, or exclusions for that line; those terms come from the placed policy. ⁹Not found in reviewed sources. Casualty page as read on 2026-09-23; only a coverage-name listing was found for product liability specifically.

Harper names product category, sales volume and sales channel as what drives product liability pricing, but the reviewed page does not publish specific limit, retention or premium figures. ³Not publicly disclosed. Product liability FAQ 'What does it cost?'; figures are unavailable on this public page and would appear on a quote.

Published limits or retentions for product-liability coverage were not found on the reviewed page. ⁹Not publicly disclosed. Casualty page as read on 2026-09-23; limits are quote-specific for broker placements.

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. ³Company-reported. Product liability page 'We know this' section and FAQ on additional-insured requests; a service Harper describes performing, not an independently verified outcome.

Newfront says its Casualty team offers claims advocacy and integrated risk-control resources to help clients mitigate exposures and reduce claim frequency and cost, plus data-backed benchmarking, applied across the casualty lines it places, including product liability. ⁹Company-reported. Casualty page's Our Approach and Newfront Difference sections; not product-liability-exclusive service detail.

You request a quote through Harper's online form or by phone; Harper says one application is then shopped across the insurers that write the applicant's product class. ³Company-reported. Product liability page quote form and 'Why Harper' process steps.

You engage Newfront for product-liability placement by requesting a consultation, which asks for your industry, company details and the service you need rather than issuing an instant quote. ¹⁰Company-reported. General consultation intake, not a product-liability-specific application path.