Harper vs Vouch Professional Liability (E&O) Insurance

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. ³Company-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. ^4,5Company-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.

Vouch is a broker, not an insurer, for professional errors & omissions coverage. It lists Errors & Omissions among the core coverages it places for professional-services clients, and one of its named program partners, Corix, has a dedicated E&O product. ^10,11Company-reported. Vouch's Professional Services page and Corix's cyber/E&O product page.

The reviewed pages name pricing drivers (services performed, revenue, contract size) but do not name the issuing insurer or publish specific limit, retention or premium figures for this line. ^3,4Not publicly disclosed. Checked both the professional-liability and errors-and-omissions pages on 2026-09-23; neither names a carrier or a limit figure.

Corix's disclosures say its proprietary products, including its E&O line, are issued by State National Insurance Company or United Specialty Insurance Company. That names an insurer for Corix-branded E&O products specifically, not for every Vouch professional-liability placement. ¹²Company-reported. Corix disclosures page.

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. ³Company-reported. Professional liability page introduction and FAQ distinguishing it from general liability.

Vouch markets professional E&O to accounting and finance, architecture/engineering/construction, IT consulting, management consulting, and marketing and creative agency firms. ¹⁰Company-reported. Vouch's Professional Services page; not an underwriting appetite guarantee for any specific applicant.

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. ^3,4Company-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.

Corix describes E&O as protecting a business against claims of negligence, mistakes or inadequate work that cause a client financial loss in the provision of professional services, including legal defense costs and any damages awarded, even when the claim is ultimately groundless. ¹¹Company-reported. Corix's cyber and E&O product page; actual insuring agreements and exclusions are set by the issued policy.

Not described in the reviewed sources.

Neither the Vouch nor Corix pages publish E&O policy limits or retentions. ^10,11Not publicly disclosed. Pages checked on 2026-09-23.

Harper says it reads a policy's exclusions line by line before a client buys, because two E&O policies with the same limit can respond very differently to the same claim. ³Company-reported. Professional liability page 'We know this' section; a described review practice, not an independently verified outcome.

Not described in the reviewed sources.

You request a quote online or by phone; if a client contract requires E&O, Harper says it places coverage matching that requirement and issues the certificate the same day. ³Company-reported. Professional liability page quote form and FAQ 'My client contract requires E&O. What now?'.

Corix's E&O product page offers a downloadable application and directs brokers to start an appointment process; Vouch's own site routes prospective buyers to its online "Get Started" application flow. ^11,10Company-reported. Corix product page and Vouch site navigation.