Harper vs 
Newfront: How Do They Compare for Product Liability Insurance?
Both are brokers. Harper can write the policy to a retailer's or marketplace vendor contract and shops one application; Newfront starts with a consultation and offers claims advocacy for companies from startups to Fortune 10.
Harper shops one application for makers, importers and sellers and says it matches limits and additional-insured wording to retailer or marketplace contracts. Newfront’s casualty team serves companies from startups to Fortune 10 and highlights claims advocacy, risk control and benchmarking. 1,3
What Are the Key Differences Between Harper and Newfront Product Liability Insurance?
Meet a Retailer Contract or Get Casualty Support
Harper works with makers, importers and sellers of physical products and says it matches additional-insured wording and limits to retailer or marketplace agreements. Newfront says its casualty practice serves businesses from startups to Fortune 10 and offers claims advocacy, integrated risk control and benchmarking. Choose Harper if a retailer or marketplace requires specific limits or additional-insured status; choose Newfront if you want claims and risk-control support alongside casualty placement. 1 3
Quote by Product Class or Request a Consultation
Harper takes an online or phone request and shops one application across insurers that write the product class. Newfront starts with a consultation covering your industry, company and requested service, rather than an instant quote. 1 4
Get the Product Form and Limits
Harper says it can match a policy to customer-contract requirements. Newfront lists product liability but does not publish its trigger, exclusions or limits on the reviewed page; it describes service support instead. Request each proposed insurer’s form and compare the coverage to your contract. 1 3
What Should You Confirm in Harper and Newfront Product Liability Insurance Quotes?
- Give Harper the vendor agreement and request the required limits and additional-insured wording. 1
- Ask Newfront how claims advocacy applies to product-injury suits and what risk-control work is included. 3
- Compare triggers, exclusions, limits and defense terms in both policy forms. 1 3
- Ask each broker to identify the insurer before binding. 1 3
Harper vs Newfront Product Liability Insurance Compared
Harper vs Newfront: Product Liability Insurance: documented features by provider
| Criteria | Harper Product Liability Insurance | Newfront Casualty Product Liability |
|---|---|---|
| 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. | 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. 3Company-reported. Casualty page leadership bio; a practice-wide eligibility statement, not product-liability-only. |
| How to Apply | 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. 1Company-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. 4Company-reported. General consultation intake, not a product-liability-specific application path. |
| 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. | 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. 3Company-reported. Casualty page opening description and Key Coverages list. |
| 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. | 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. 3Company-reported. Casualty page's Our Approach and Newfront Difference sections; not product-liability-exclusive service detail. |
