What Is Harper Insurance?
Harper suits hard-to-place businesses such as contractors, care providers, manufacturers and transportation firms; standard small businesses seeking direct quotes should compare online carriers. Its workers’ compensation service helps classify payroll for audits. 1,2
Read the Harper Umbrella and Excess Liability Insurance page
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 4,5
Read the Zurich U.S. Umbrella and Excess Liability Insurance page
What Is Umbrella and Excess Liability Insurance?
Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. 7,8,9,10,11
Key Differences in Umbrella and Excess Liability Insurance
Underlying Policy Coordination
Harper says its umbrella follows the terms of the underlying policies and that it maps which policies sit beneath the layer to identify possible gaps. Zurich also describes follow-form excess in Coverage A, paired with lead umbrella Coverage B. Ask Harper for its written schedule and gap review, and ask Zurich to explain where Coverage B may differ from the underlying wording. 3 6
Underlying Policy Schedule
Harper says it maps the underlying policies and describes umbrella layers above general liability, auto liability, and certain workers’ compensation lawsuits. Zurich’s Commercial Umbrella uses follow-form excess Coverage A and lead umbrella Coverage B. Ask Harper to document the lines in its schedule and Zurich which underlying forms sit beneath each quoted section. 3 6
What to Confirm in Umbrella and Excess Liability Insurance Quotes
Harper and Zurich U.S. Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Harper Review Score
Review Score
No reviews found
We found no customer star rating for Harper. Its Trustpilot page has 0 reviews, and BBB shows 0 customer reviews and 2 complaints.[4][6]
Read Harper reviewsZurich U.S. Review Score
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsHarper vs Zurich U.S. Umbrella and Excess Liability Insurance Compared
Harper vs Zurich U.S.: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | Harper Umbrella Insurance | Zurich Commercial Umbrella and Excess Liability |
|---|---|---|
| Role in This Line | Harper places umbrella and excess liability coverage as extra limits stacked above a client's existing primary policies, rather than re-selling the underlying coverage itself. 3Company-reported. Umbrella page introduction and 'What is Umbrella insurance?' section. | Confirm in your quote. |
| Who It’s For | Harper recommends an umbrella when a lease or contract requires liability limits above a business's primary policies, and otherwise frames it as a judgment call based on how much of a claim the business could absorb. 3Company-reported. Umbrella FAQ 'Do I need an umbrella?'. | Confirm in your quote. |
| Coverage Features | Harper describes the umbrella responding above general liability claims, above auto liability claims, and above a workers' compensation claim when an injured employee separately sues. 3Company-reported. Umbrella page's four coverage tiles; the underlying and umbrella policies as issued control which claims actually qualify. Harper says the umbrella follows the terms of the policies underneath it, and that it maps exactly which underlying policies sit under a client's umbrella so there are no coverage gaps. 3Company-reported. Umbrella FAQ 'Does it cover everything my other policies cover?'; a described mapping practice, not an independently verified outcome. | Zurich Commercial Umbrella combines Coverage A follow-form excess liability and Coverage B lead umbrella liability. 6Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial umbrella and excess liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. Zurich’s Excess Claims Made Facility offers up to $100 million in claims-made excess casualty coverage and may consider customized wording; it is a joint Zurich, Chubb and National Indemnity facility. 6Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial umbrella and excess liability; United States. Facility capacity and terms are shared among Zurich, Chubb and Berkshire Hathaway National Indemnity; do not attribute the whole facility solely to Zurich. |
| Limits and Retentions | Harper says each additional million in umbrella limits typically costs a fraction of the first million, and that industry and underlying limits drive price, but the reviewed page does not publish specific limit amounts, retentions or premium figures. 3Not publicly disclosed. Umbrella page 'We know this' section and FAQ 'What does it cost?'; figures would appear on an actual quote. | Coverage C Casualty Business Crisis Expense reimburses emergency expenses up to $250,000. 6Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial umbrella and excess liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| How to Apply | You request a quote through Harper's online form or by phone; Harper says a specialist reviews the underlying policies before recommending umbrella limits. 3Company-reported. Umbrella page quote form and 'Why Harper' process steps. | Confirm in your quote. |
Related Pages for Harper vs Zurich U.S. Umbrella and Excess Liability
Umbrella and Excess Liability Pages for Harper and Zurich U.S.
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Sources for Harper vs Zurich U.S.
Sources About Harper
- Text Messaging Terms and Conditions. Harper Global Enterprises Inc.; Effective August 24, 2026; sections 1–3 (entity, consent and service messages), 5 (message costs), 9 (delivery) and 11 (coverage confirmation). Accessed 2026-09-15.
- We're Announcing $47M to Build the Insurance Company Every Business Deserves. Harper / Dakotah Rice; February 26, 2026 article: brokerage identity; AI-assisted submissions and follow-ups; 24–48-hour coverage statement; more than 165 underwriters; plans for additional direct appointments. Accessed 2026-09-15.
- Umbrella Insurance. Harper; Know your coverage: What is Umbrella insurance?; Excess over general liability, Excess over auto, Above a workplace-injury suit, Contract compliance; Why Harper; FAQs on whether an umbrella is needed, what it follows, and pricing. Accessed 2026-09-23.
Sources About Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- Commercial Umbrella Insurance Coverage | Zurich Insurance. Zurich U.S.; Umbrella and excess coverage forms, crisis expense limit, excess claims-made facility. Accessed 2026-09-28.
Sources for the Umbrella and Excess Liability Insurance Guide
- Liability Insurance. Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
- Lines of Insurance. California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
- Coverage Hub. Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
- Products. Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.
