Harper vs TechInsurance: How Do They Compare for Professional Liability (E&O) Insurance?

TechInsurance cites a median of $88 a month and names IT, SaaS, cybersecurity and tax preparers as buyers. Harper is a broker that writes the policy around your actual services and issues same-day certificates when a client contract requires E&O.

TechInsurance says its E&O policyholders pay a median of $88 a month and describes contacting the carrier directly if a client threatens to sue, while Harper's pages name pricing drivers without a cost figure and describe a specialist exclusions review instead. ^4,¹

What Are the Key Differences Between Harper and TechInsurance Professional Liability (E&O) Insurance?

Published Cost

TechInsurance publishes a median price while Harper lists only pricing inputs:

TechInsurance says its E&O policyholders pay a median of $88 per month, or $1,051 a year, with the exact premium depending on location, profession risk level, coverage limits, deductible, employee count, claims history and annual income. ⁴Company-reported. Errors and omissions product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

Harper's pages do not publish a comparable cost figure; they instead name pricing drivers, services performed, revenue and contract size, without a stated dollar amount. ¹

Claims Process

TechInsurance says that if a client threatens to sue, you contact your carrier directly, provide policy information and explain the circumstances, and the insurer's representative helps determine next steps. ⁴ Harper's pages do not describe a comparable claims-contact process; they instead describe a specialist reading exclusions line by line before a client buys, saying two E&O policies with the same limit can respond very differently to the same claim. ¹

Policy Trigger

TechInsurance says its E&O policies are claims-made, meaning coverage applies only if the policy was active both when the incident occurred and when the claim was filed, and recommends a retroactive date to cover past work. ⁴ Harper's pages instead say claims often surface a year or more after the work was delivered, without stating whether the policies it places are claims-made or occurrence. ¹

What Should You Confirm in Harper and TechInsurance Professional Liability (E&O) Insurance Quotes?

Confirm whether TechInsurance's $88-a-month median reflects a business at your revenue and risk level, since the figure comes from its own book of business. ⁴
Ask Harper for a specific premium range for your profession, since its pages name pricing drivers without a dollar figure. ¹
Neither TechInsurance's nor Harper's reviewed pages name an issuing insurer; ask both directly. ⁴ ¹
Ask TechInsurance whether a retroactive date is already set for your policy, and ask Harper whether a claim tied to older work would still be covered under the limit it recommends. ⁴ ¹

Harper vs TechInsurance Professional Liability (E&O) Compared

Harper vs TechInsurance: Professional Liability (E&O) Insurance: documented features by provider

Criteria	Harper Professional Liability Insurance	TechInsurance Errors and Omissions Insurance
Who It’s For	Harper targets consultants, agencies, tech firms and licensed professionals whose work product is advice, design or a decision, since general liability doesn't cover a client claiming that work caused a financial loss. ¹Company-reported. Professional liability page introduction and FAQ distinguishing it from general liability.	TechInsurance targets E&O at businesses that provide professional services or advice, naming IT and software professionals, cybersecurity and SaaS companies, insurance agents, real estate agents, tax preparers and consultants as example segments, and notes it is sometimes required by state law or licensing boards. ⁴Company-reported. Errors and omissions product page, Who should get errors and omissions insurance coverage? section.
Coverage Features	Harper describes coverage for errors and omissions in the work itself, negligence allegations about professional judgment, and legal defense costs, with limits it says are matched to the client contracts that require the policy. ^1,²Company-reported. Professional liability page's four coverage tiles; the E&O page adds that claims often surface a year or more after the work was delivered. The issued policy and its exclusions control actual scope.	TechInsurance says E&O insurance covers professional negligence claims, errors or incomplete work, breach of contract, missed deadlines, misrepresentation of skill level, and communication-related disputes, and pays legal defense costs and any resulting judgment or settlement. ⁴Company-reported. Errors and omissions product page; general policy description, not a specific policy form. TechInsurance says its E&O policies are claims-made, meaning coverage applies only if the policy was active both when the incident occurred and when the claim was filed, and recommends keeping the policy active or setting a retroactive date to cover past work. ⁴Company-reported. Errors and omissions product page, Why is it important to keep your E&O insurance policy active? section.
Role in This Line	Harper places professional liability coverage as a broker, writing the policy around the applicant's actual services rather than underwriting it, and describes a specialist handling the placement. ¹Company-reported. Professional liability page introduction and 'Why Harper' section. Harper markets the identical policy under two catalogue entries, "Professional Liability" and "Errors and Omissions"; the E&O page states it is the same policy, just named what a given industry calls it. ^2,³Company-reported. Coverage directory listing plus the E&O page's own description; a naming convention Harper states about itself, not a distinction between two products.	TechInsurance arranges errors and omissions (E&O) insurance, also called professional liability insurance, as a standalone policy for businesses that provide professional services or advice. ⁴Company-reported. Errors and omissions product page.

Criteria

Harper Professional Liability Insurance

TechInsurance Errors and Omissions Insurance

Who It’s For

Harper targets consultants, agencies, tech firms and licensed professionals whose work product is advice, design or a decision, since general liability doesn't cover a client claiming that work caused a financial loss. ¹Company-reported. Professional liability page introduction and FAQ distinguishing it from general liability.

TechInsurance targets E&O at businesses that provide professional services or advice, naming IT and software professionals, cybersecurity and SaaS companies, insurance agents, real estate agents, tax preparers and consultants as example segments, and notes it is sometimes required by state law or licensing boards. ⁴Company-reported. Errors and omissions product page, Who should get errors and omissions insurance coverage? section.

Coverage Features

Harper describes coverage for errors and omissions in the work itself, negligence allegations about professional judgment, and legal defense costs, with limits it says are matched to the client contracts that require the policy. ^1,²Company-reported. Professional liability page's four coverage tiles; the E&O page adds that claims often surface a year or more after the work was delivered. The issued policy and its exclusions control actual scope.

TechInsurance says E&O insurance covers professional negligence claims, errors or incomplete work, breach of contract, missed deadlines, misrepresentation of skill level, and communication-related disputes, and pays legal defense costs and any resulting judgment or settlement. ⁴Company-reported. Errors and omissions product page; general policy description, not a specific policy form.

TechInsurance says its E&O policies are claims-made, meaning coverage applies only if the policy was active both when the incident occurred and when the claim was filed, and recommends keeping the policy active or setting a retroactive date to cover past work. ⁴Company-reported. Errors and omissions product page, Why is it important to keep your E&O insurance policy active? section.

Role in This Line

Harper places professional liability coverage as a broker, writing the policy around the applicant's actual services rather than underwriting it, and describes a specialist handling the placement. ¹Company-reported. Professional liability page introduction and 'Why Harper' section.

Harper markets the identical policy under two catalogue entries, "Professional Liability" and "Errors and Omissions"; the E&O page states it is the same policy, just named what a given industry calls it. ^2,³Company-reported. Coverage directory listing plus the E&O page's own description; a naming convention Harper states about itself, not a distinction between two products.

TechInsurance arranges errors and omissions (E&O) insurance, also called professional liability insurance, as a standalone policy for businesses that provide professional services or advice. ⁴Company-reported. Errors and omissions product page.