Harper vs TechInsurance Commercial Property Insurance

For commercial property, Harper describes calling the insurance companies that write the coverage and presenting the customer with the resulting options to choose from, rather than issuing a commercial property policy itself. ³Company-reported. Homepage 'What we cover' introduction and coverage list, where commercial property is one of the enumerated lines.

TechInsurance arranges commercial property insurance, also called business hazard insurance, for businesses that own or rent commercial space, or that keep valuable equipment at a home office. ⁷Company-reported. Commercial property product page.

Harper's public pages do not name the insurer or insurers that would underwrite a commercial property policy; the homepage shows an unlabeled panel of insurer logos it says it works with, describing the rest as 'specialists who cover the work the big names turn down.' ³Not publicly disclosed. Checked the homepage insurer-logo panel on 2026-09-23; no carrier names accompany the logos in the page text.

The reviewed page does not name the issuing insurer for a commercial property policy. ⁷Not publicly disclosed. Commercial property product page as read on 2026-09-23.

Harper's quote-intake form lists all 50 states and Washington, D.C. as selectable, indicating it takes commercial property quote requests nationwide, though eligibility for a specific building or business depends on underwriting review not described on the page. ³Company-reported. Homepage quote-intake state selector.

Not described in the reviewed sources.

Harper's homepage summarizes commercial property insurance as covering a business's buildings, equipment and inventory at what it costs to replace them. ³Company-reported. Homepage 'What we cover' blurb; the issued policy and declarations would control actual valuation method and terms.

On its manufacturing industry page, Harper bundles property coverage with equipment breakdown, describing it as covering the building, the production line and machinery that cannot be down for a week. ⁴Company-reported. Manufacturing industry page; this is a manufacturer-specific bundle of property and equipment breakdown, not necessarily how Harper packages commercial property for other industries.

TechInsurance says commercial property insurance covers theft of equipment, damage to company-owned buildings, weather-related and accidental damage, and vandalism, and can be written as actual cash value (cheaper, pays depreciated value) or replacement cost (more expensive, pays to replace with new equivalent items). ⁷Company-reported. Commercial property product page; general policy description, not a specific policy form.

TechInsurance says commercial property insurance generally excludes extreme weather events like earthquakes, hurricanes and floods, goods in transit or at other worksites (which need inland marine insurance instead), and equipment breakdown from mechanical or electrical failure (which needs an endorsement). ⁷Company-reported. Commercial property product page, What isn't covered section.

The reviewed pages do not publish commercial property limits, deductibles or valuation methods such as replacement cost versus actual cash value; those terms are not shown until a specific quote is issued. ^3,4Not publicly disclosed. Checked the homepage and manufacturing industry page on 2026-09-23.

TechInsurance says its commercial property policyholders pay a median of $108 per month, or about $1,301 a year, with the exact premium depending on location, coverage limits and deductible, security systems, equipment value, and building size, construction and age. ⁷Company-reported. Commercial property product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

You can start a commercial property quote through Harper's online intake by selecting the 'My building, equipment, and inventory (property)' checkbox alongside the business's state, estimated annual revenue and a description of what it does. ³Company-reported. Homepage quote-intake form.

You request commercial property quotes online through a short application; TechInsurance says licensed agents are available to help, and a certificate of insurance is typically available the same day you buy coverage. ⁷Company-reported. Commercial property product page.