What Is Harper Insurance?
Harper suits hard-to-place businesses such as contractors, care providers, manufacturers and transportation firms; standard small businesses seeking direct quotes should compare online carriers. Its workers’ compensation service helps classify payroll for audits. 1,2
Simply Business: Online Small-Business Insurance Marketplace
Simply Business describes a digital marketplace and licensed-producer service for small businesses. The policy and selected insurer determine coverage, fees, servicing and claims responsibilities. 4,5
What Is Inland Marine Insurance?
If your business moves equipment between sites or ships goods, inland marine can cover those property exposures; installation and other forms address different property categories. Match the quote to what you own, rent or hold for others. 7,8
Key Differences in Inland Marine Insurance
Equipment ownership and jobsite use
Harper combines inland marine with owned-equipment property and equipment-breakdown coverage, and says its inland-marine portion applies while equipment is in transit or at a jobsite. Harper also says it can place coverage for rented or borrowed equipment for which the business is responsible. Simply Business describes equipment and inventory away from premises, but its summary leaves property conditions to the actual form. Firms that use subcontracted, leased or borrowed gear should list who owns each item and ask how the policy responds. 3 6
Equipment list and quote comparison
Harper asks applicants to submit an equipment list through an online form and says it prices the schedule across willing insurers. Simply Business describes an online quote form that compares insurer offers and allows customization. Prepare values and item descriptions for both processes, then compare whether each quote schedules individual items or uses a blanket limit. 3 5
What to Confirm in Inland Marine Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Harper
Review Score
No reviews found
We found no customer star rating for Harper. Its Trustpilot page has 0 reviews, and BBB shows 0 customer reviews and 2 complaints.[4][6]
Read Harper reviewsSimply Business
Review Score
4 rated sources
Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0.[6][10][7]
Read Simply Business reviewsOffering Details
Harper vs Simply Business: Inland Marine Insurance: documented features by provider
| Criteria | Harper Equipment and Inland Marine Insurance | Inland-marine insurance through Simply Business |
|---|---|---|
| Role in This Line | Harper places inland marine coverage as part of a combined 'Equipment Insurance' product it sells alongside owned-equipment property coverage and equipment breakdown, rather than as a separately named standalone product page. 3Company-reported. Harper's equipment product page, the only page found for this line; the coverage directory and intake form separately label the same coverage 'tools and equipment that leave the shop (inland marine).' | Confirm in your quote. |
| Who It’s For | Harper targets this coverage at businesses whose equipment or tools travel to jobsites or client locations rather than staying inside one building, since it frames the product around the gap left when equipment leaves the premises. 3Company-reported. Product-page framing; not an eligibility guarantee for a particular applicant or equipment type. | The company gives contractors with tools, photographers with cameras and mobile groomers with equipment as examples of potential inland-marine buyers. Those examples do not guarantee eligibility. 6Company-reported. Company-published inland-marine information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Coverage Features | Harper describes the inland marine portion of this product as covering equipment while it is in transit or on a jobsite, which it says standard property policies typically exclude once equipment leaves the business's premises. 3Company-reported. Product-page coverage summary; the issued policy and its exclusions control the actual terms. Harper says it can also place coverage for rented or borrowed equipment a business is responsible for but does not own, in addition to owned equipment in transit or on site. 3Company-reported. Product-page coverage-features list; availability and terms depend on the insurer and underwriting. | Simply Business describes inland-marine coverage for equipment and inventory in transit or stored away from the business premises; policy wording controls covered causes, limits and conditions. 6Company-reported. Company-published inland-marine information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Limits and Retentions | The reviewed equipment page does not publish limit or valuation amounts for inland marine coverage; it says pricing and available terms depend on equipment values and where the equipment travels. 3Not publicly disclosed. Equipment product page as read on 2026-09-23. | Confirm in your quote. |
| How to Apply | You apply by sending Harper an equipment list through its online quote form, which it says it prices across insurers willing to write that equipment. 3Company-reported. Quote form and FAQ observed on the product page. | The page describes an online quote form and comparison of insurer quotes, with customization discussed as part of the quote process. Availability depends on state, buyer and insurer; the site Terms do not guarantee a quote or binding. 6,5Company-reported. Company-published inland-marine information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
Full Comparison
More Harper vs Simply Business Comparisons
Other Inland Marine Insurance Comparisons
Sources
Harper
- Text Messaging Terms and Conditions. Harper Global Enterprises Inc.; Effective August 24, 2026; sections 1–3 (entity, consent and service messages), 5 (message costs), 9 (delivery) and 11 (coverage confirmation). Accessed 2026-09-15.
- We're Announcing $47M to Build the Insurance Company Every Business Deserves. Harper / Dakotah Rice; February 26, 2026 article: brokerage identity; AI-assisted submissions and follow-ups; 24–48-hour coverage statement; more than 165 underwriters; plans for additional direct appointments. Accessed 2026-09-15.
- Equipment Insurance. Harper; Product hero; Know your coverage: What is Equipment insurance?; Owned equipment, Equipment in transit and on site (inland marine), Equipment breakdown, Rented and borrowed equipment; Why Harper; FAQ: Is my equipment covered on a jobsite?, Breakdown versus damage: what is the difference?, What does it cost? Accessed 2026-09-23.
Simply Business
- Our Small Business Insurance Story. Simply Business; Opening description and audience; digital marketplace, business types and U.S. service. Accessed 2026-09-29.
- Terms of Service. Simply Business; Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211. Accessed 2026-09-29.
- Inland Marine Insurance. Simply Business; Equipment/inventory lines 15–18, 59–63; examples and quote workflow lines 97–140, 168–191. Accessed 2026-09-29.
Inland Marine Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery. Accessed 2026-09-16.
- Inland Marine Policy: Contractors’ Equipment. Markel American Insurance Company / American Association of Insurance Services; hosted by Florida Department of Management Services; PDF p.8 declarations; attached Contractors’ Equipment printed pp.1–13 (PDF pp.18–30); replacement-cost endorsement PDF p.34. Accessed 2026-09-16.
