---
title: "Harper vs TechInsurance: Professional Liability (E&O) Insurance"
description: "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."
canonical: "https://spot.insure/compare/harper-vs-techinsurance/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "harper-vs-techinsurance"
provider-a: "harper"
provider-b: "techinsurance"
coverage-line: "professional-errors-omissions"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/harper-vs-techinsurance/professional-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of Harper and TechInsurance for Professional Liability (E&O) Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Professional Liability (E&O) Insurance questions about Harper versus TechInsurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Harper vs TechInsurance for Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, Harper or TechInsurance?
- What does Harper or TechInsurance publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: Harper and TechInsurance.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Harper vs TechInsurance](https://spot.insure/compare/harper-vs-techinsurance) — all coverage lines for this pair
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — how this coverage works
- [Harper profile](https://spot.insure/insurance-providers/harper) — provider profile
- [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile

# 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 publishes a median E&O premium and a claims-contact process; Harper's pages publish neither, describing pricing drivers and an exclusions review instead.

## Harper vs TechInsurance Professional Liability (E&O) Insurance Summary

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](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") [1](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance")

## 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. [4](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance")

### 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](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") 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](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance")

### 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](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") 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](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance")

## 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](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance")
- Ask Harper for a specific premium range for your profession, since its pages name pricing drivers without a dollar figure. [1](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance")
- Neither TechInsurance's nor Harper's reviewed pages name an issuing insurer; ask both directly. [4](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") [1](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance")
- 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](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") [1](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance")

## Harper vs TechInsurance Professional Liability (E&O) Compared

| 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. [1](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance") [2](https://www.harperinsure.com/coverages/errors-and-omissions "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page; general policy description, not a specific policy form..)<br><br>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. [4](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Professional liability page introduction and 'Why Harper' section..)<br><br>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](https://www.harperinsure.com/coverages/errors-and-omissions "Errors and Omissions Insurance") [3](https://www.harperinsure.com/coverages "What We Cover") (Evidence: Company-reported; scope: 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. [4](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page..) |

## About Harper and TechInsurance and Professional Liability (E&O)

- [Harper company profile](https://spot.insure/insurance-providers/harper) · [Harper customer reviews](https://spot.insure/insurance-providers/harper/reviews)
- [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/reviews)
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions)

## Related Pages for Harper vs TechInsurance Professional Liability (E&O)

- [Harper vs TechInsurance](https://spot.insure/compare/harper-vs-techinsurance): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms.
- [Harper Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/harper/professional-errors-omissions)
- [TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/techinsurance/professional-errors-omissions)

## Sources for Harper vs TechInsurance

### Sources About Harper

1. [Professional Liability Insurance](https://www.harperinsure.com/coverages/professional-liability). Harper; Know your coverage: What is Professional Liability insurance?; Errors & omissions, Negligence allegations, Legal defense, Contract-driven limits; Why Harper; FAQs on general liability vs. E&O, client E&O requirements, and pricing drivers. Accessed 2026-09-23.
2. [Errors and Omissions Insurance](https://www.harperinsure.com/coverages/errors-and-omissions). Harper; Page states the product is 'Same policy as professional liability, just what your industry calls it'; describes financial-loss claims from professional services and late-arriving claims. Accessed 2026-09-23.
3. [What We Cover](https://www.harperinsure.com/coverages). Harper; Coverage directory list including Errors and Omissions and Professional Liability as separate catalogue entries. Accessed 2026-09-23.

### Sources About TechInsurance

4. [Errors & Omissions (E&O) Insurance](https://www.techinsurance.com/errors-omissions-insurance). TechInsurance; What does errors and omissions insurance cover? (professional negligence, errors or incomplete work, breach of contract, missed deadlines, misrepresentation, communication challenges); How much does E&O insurance cost?; Who should get errors and omissions insurance coverage?; How does E&O insurance coverage work? (claims-made). Accessed 2026-09-23.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/harper-vs-techinsurance/professional-errors-omissions.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)