Harper Product Liability Insurance

Harper places product liability coverage as a broker: it says a specialist reviews the business and approaches insurers on the client's behalf rather than underwriting the policy itself. ¹Company-reportedProduct liability page's 'Why Harper' section; describes Harper's placement process, not a specific insurer or policy.

The reviewed product liability page does not name the insurer or insurers that would issue a given policy; Harper says it places the coverage with 'real insurers' generally rather than a named carrier for this line. ^1,2Not publicly disclosedChecked the product liability page and the coverage directory on 2026-09-23; neither names a carrier for this specific line.

Harper says the line is for makers, importers and sellers of physical products, and that importers, distributors and retailers can be named in a product claim even when they didn't manufacture the item. ¹Company-reportedProduct liability page introduction and FAQ answer on non-manufacturer exposure.

Harper describes the coverage as responding to injury claims from a product, property damage the product caused, and the legal defense costs of those claims. ¹Company-reportedProduct liability page's four coverage tiles (Injury claims, Property damage, Defense in depth, Vendor agreement compliance); the issued policy and its exclusions control actual scope.

Harper names product category, sales volume and sales channel as what drives product liability pricing, but the reviewed page does not publish specific limit, retention or premium figures. ¹Not publicly disclosedProduct liability FAQ 'What does it cost?'; figures are unavailable on this public page and would appear on a quote.

Harper says it will write the policy to match a retailer or marketplace vendor agreement, including additional-insured status and the specific limits those contracts require. ¹Company-reportedProduct liability page 'We know this' section and FAQ on additional-insured requests; a service Harper describes performing, not an independently verified outcome.

You request a quote through Harper's online form or by phone; Harper says one application is then shopped across the insurers that write the applicant's product class. ¹Company-reportedProduct liability page quote form and 'Why Harper' process steps.