Harper vs RiskCube

Its advertised customers include contractors, restaurants, auto dealers, childcare and adult-care providers, manufacturers, and transportation businesses. Harper emphasizes operations that are difficult to place with an insurer. ^8,13

RiskCube markets to venture-backed startups from pre-seed through IPO and to other growing businesses, including small businesses. Its stated sectors include SaaS, AI, fintech, GovTech, space and Web3. ²⁴

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

RiskCube describes one digital intake followed by AI-assisted and broker-reviewed quote comparison and digital purchase. The public application URL reviewed displayed a contact form rather than a complete underwriting flow. ^19,29

For technology E&O, RiskCube asks for product, customer, revenue and contract details, plus prior claims or known incidents. It qualifies its advertised quote timing by risk profile and underwriting complexity. ²⁵

RiskCube’s terms say quotes are not binders: written confirmation from the insurer or its authorized representative and required conditions must be satisfied before coverage is bound. ²²

Georgia’s regulator-linked lookup listed Harper Global Enterprises Inc. as an active resident principal agency, license 237101, when checked on September 15, 2026. It showed property, casualty and life qualifications and an expiration date of September 30, 2028. This is an agency license, not authorization for Harper to act as the insurer. ⁴

Harper serves US commercial businesses. Its website also displays California license 6017784, but that license was not independently verified in this research. The reviewed sources did not establish a complete current availability list by state and product. Confirm the writing insurer and availability for each business location. ^3,1,5

RiskCube’s license disclosure lists RiskCube Insurance Services, LLC with California resident property-and-casualty license 6017028, Delaware license 3004000392 and NPN 21694336. These are company-reported identifiers, not independently verified license status. Product eligibility, insurer and any surplus-lines placement route still require confirmation for a California quote. ^20,22

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

RiskCube describes platform access for policy management, certificate generation and renewal notifications. A certificate does not change coverage under its terms. ^19,22

RiskCube says it reviews vendor insurance requirements and checks requested endorsements, including additional insured and waiver-of-subrogation language. Its terms warn that AI-assisted output can be incomplete or inaccurate. ^24,22

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

RiskCube says claims advocacy is human-led and includes working with the insurer from first notice through resolution. This describes promised assistance, not independently demonstrated claims outcomes. ²⁴