Harper vs Resilience

Harper is a commercial insurance brokerage: it helps businesses find insurance from other companies and arrange the purchase. You can request a quote online or speak with a specialist, who gathers information, approaches insurers and explains the options. ^2,9

Harper’s text-messaging terms identify the brokerage as Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency. Its privacy policy instead names Harper Group Corp. The reviewed disclosures do not explain the corporate relationship between those names. ^2,3

Harper separately markets wholesale access for other brokers, including specialty and non-admitted insurers. That page claims binding authority on selected programs but does not identify the delegating insurers, products, states or authority limits. It is not evidence that Harper itself bears the insured risk. ¹⁴

Resilience combines cyber insurance and technology errors and omissions insurance with cybersecurity risk-management services. ^19,21,22

Resilience identifies Ocrea Risk Services, LLC, doing business as Resilience Cyber Insurance Solutions, as its US insurance distributor and lists NPN 19169260. This company disclosure is not independent verification of a California license. ²⁰

The public quote form asks for your contact and business details, state, estimated annual revenue, business activity and requested coverage. It includes an existing-customer checkbox and a text-message consent choice. The visible form starts an inquiry; it does not display a final premium or issued policy. ¹

The founders describe Harper Hub as internal software that helps complete forms, identify carriers and underwriters, and manage client communications. Their Y Combinator launch describes full autonomy as a direction for the business. ⁶

Harper’s privacy policy says AI extracts document information, drafts messages for review, organizes follow-ups and assists staff. It says licensed professionals and carriers review final decisions, including eligibility and binding. AI marketing therefore does not establish that a machine can approve your coverage on its own. ³

The privacy policy describes collecting applications, loss records and business documents. It also says customer communications and policy information train Harper’s own models, while its enterprise AI vendors state they do not train their foundation models on customer data. These are different uses of your information. ³

Harper’s messaging terms say a text cannot bind, change, renew or cancel insurance. Coverage takes effect only with written confirmation from Harper and the applicable carrier; quotes sent by text remain subject to underwriting and final documentation. ²

Harper’s February 2026 announcement advertises coverage within 24–48 hours. That is a company timing claim, not a deadline established for your application. Ask what information and approvals are still outstanding before arranging work around a proposed start date. ¹³

Resilience presents insurance to brokers through a dedicated broker page and offers a public contact route for product inquiries. The reviewed pages do not document an end-to-end self-service purchase or a guaranteed quote or binding time. ^23,25

For workers’ compensation, Harper says it helps classify payroll by the work employees perform and prepares information for premium audits. Its cost FAQ identifies payroll, job categories and claims history as pricing factors. An audit can reconcile the information used to price the policy; Harper’s service description is not a promise that your premium cannot change. ^10,18

Under that referral program, Harper says it owns the account and handles quoting, placement, servicing, renewals and claims; the referring agent has no servicing duties. Its separate wholesale page offers white-label options. If another agent introduces you, clarify which arrangement applies and who will be your ongoing contact. ^15,14

Harper’s public portal entry page advertises access to certificates, policies, payments and application status. Sign-in uses the email address associated with a Harper invitation; the page directs customers without an invitation to its service team. Features behind sign-in were not tested. ¹⁶

Harper describes ongoing policy management and annual coverage reviews. Its messaging terms list reminders about renewals, billing and premium finance, along with communications about changes and certificates. These service descriptions do not specify a guaranteed renewal price or a commitment to re-shop every policy. ^17,2

Resilience markets Edge for prioritizing security spending by estimated financial impact, and Arc for viewing cyber risk across multiple entities. These are risk-management services, not additional insurance coverage lines. ^26,27

Resilience states that buying insurance is not tied to buying security services. Confirm which services are included in the proposed package and which require a separate agreement. ²⁰

The current broker and product pages reviewed do not specify renewal documentation, a renewal price commitment or a standard servicing turnaround. ^23,21,22

Harper says its team assists with claims documentation and communication, and advocates with the carrier. This describes brokerage assistance. The insurer named in the policy remains the company responsible for covered losses; claims support is not a promise that a claim will be paid. ^17,18

A dedicated claims-reporting procedure, after-hours response commitment and policy-specific notice address were not established in the reviewed Harper sources. Obtain those instructions with your policy. Harper’s messaging terms warn against relying on texts for urgent matters. ^17,16,2

Resilience describes a 24/7 in-house claims team, a dedicated claims manager through settlement, and outside specialists in privacy law, forensics, recovery and crisis communications. These are company-reported service arrangements, not independently measured claims quality. ²⁴