---
title: "Harper vs The Hartford: Professional Liability (E&O) Insurance"
description: "The Hartford publishes average minimum monthly premiums for five named professional liability products, ranging from $38 to $239, while Harper's pages name pricing drivers, services performed, revenue and contract size, without publishing a dollar figure."
canonical: "https://spot.insure/compare/harper-vs-the-hartford/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "harper-vs-the-hartford"
provider-a: "harper"
provider-b: "the-hartford"
coverage-line: "professional-errors-omissions"
---

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

## Agent Guide

**What this page is:** Focused comparison of Harper and The Hartford 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 The Hartford. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: Harper and The Hartford.
- 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 The Hartford](https://spot.insure/compare/harper-vs-the-hartford) — 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
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

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

The Hartford publishes average minimum monthly premiums, from $38 for healthcare professionals to $239 for architects and engineers. Harper is a broker that writes the policy around your actual services.

The Hartford publishes average minimum premiums across five named professional liability products; Harper's pages name pricing drivers without dollar figures.

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

The Hartford publishes average minimum monthly premiums for five named professional liability products, ranging from $38 to $239, while Harper's pages name pricing drivers, services performed, revenue and contract size, without publishing a dollar figure. [4](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [1](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance")

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

### Published Pricing

The Hartford publishes product-level minimum-premium averages; Harper lists only rating inputs:

The Hartford publishes average minimum monthly premiums by product: Misc. Professional Liability Standalone $62, Misc. Professional Liability Endorsement $41, Architects and Engineers Professional Liability $239, Healthcare Professionals Professional Liability $38, and Errors & Omissions Insurance for Technology Companies $146. The page does not publish standard coverage limits or retentions; cost and limits are set at quote. [4](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: Company-reported pricing as of 2026-09-23 (page last updated by The Hartford May 4, 2026); premiums are not coverage limits..)

Harper's pages do not publish comparable pricing; they instead name pricing drivers, services performed, revenue and contract size, without a stated dollar figure. [1](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance")

### Policy Trigger and Reporting Period

The Hartford says many of its professional liability policies are written on a claims-made basis with a retroactive date and an extended reporting period, typically 30 to 60 days and extendable to a year or more, though some are written on an occurrence basis. [4](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") 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")

### Who Each Page Names as a Fit

The Hartford targets professional liability at businesses that sign contracts requiring coverage, offer professional services directly to customers, or regularly give advice to clients, naming accountants, consultants, interior designers, advertising agencies, graphic designers, technology professionals and healthcare professionals. [4](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") Harper instead targets consultants, agencies, tech firms and licensed professionals whose work product is advice, design or a decision. [1](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance")

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

- Ask The Hartford which of its five named products applies to your profession, and get the specific premium rather than the published average. [4](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage")
- Harper names services performed, revenue and contract size as pricing drivers but no dollar figure; ask for an actual number once it has your details. [1](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance")
- Confirm with The Hartford whether your specific product uses a claims-made or occurrence trigger, and get the cost of extending the reporting period. [4](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage")
- The Hartford's page gives premium averages but no limit figures, and Harper's pages give neither; request specific numbers from both. [4](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") [1](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance")

## Harper vs The Hartford Professional Liability (E&O) Insurance Compared

| Criteria | Harper Professional Liability Insurance | The Hartford Professional Liability Insurance (Errors & Omissions) |
| --- | --- | --- |
| 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..) | The Hartford targets professional liability at businesses that sign contracts requiring coverage, offer professional services directly to customers, or regularly give advice to clients, and lists industries it covers: accountants, consultants, interior designers, advertising agencies, graphic designers, technology professionals and healthcare professionals. [4](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: Professional liability product page as read 2026-09-23..) |
| 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..) | The Hartford says the policy can cover claims of negligence, misrepresentation, inaccurate advice, personal injury (libel/slander) and copyright infringement, plus defense costs. Many of its professional liability policies are written on a claims-made basis with a retroactive date and an extended reporting period (typically 30-60 days, extendable to a year or more for an added cost), though some are written on an occurrence basis. [4](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: Professional liability product page as read 2026-09-23. General coverage and policy-form description; the issued policy controls..) |
| 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..) | The Hartford's professional liability insurance, also called errors and omissions (E&O) insurance, protects businesses when they make mistakes in the professional services provided to clients, including claims that turn out to be baseless. [4](https://www.thehartford.com/professional-liability-insurance "Professional Liability Insurance Coverage") (Evidence: Company-reported; scope: Professional liability product page as read 2026-09-23..) |

## About Harper and The Hartford and Professional Liability (E&O)

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

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

- [Harper vs The Hartford](https://spot.insure/compare/harper-vs-the-hartford): 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)
- [The Hartford Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/the-hartford/professional-errors-omissions)

## Sources for Harper vs The Hartford

### 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 The Hartford

4. [Professional Liability Insurance Coverage](https://www.thehartford.com/professional-liability-insurance). The Hartford; What Is Professional Liability Insurance Coverage?; What Does Professional Liability Insurance Cover?; Who Needs Professional Liability Insurance Coverage?; How Much Does Professional Liability Insurance Cost?; How Does Professional Liability Insurance Work? (claims-made vs. occurrence). 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.

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