--- title: "Harper Product Liability Insurance" description: "What Harper Product Liability Insurance covers, who it’s for, and how to apply, cited to Harper’s own published sources." canonical: "https://spot.insure/insurance-providers/harper/product-liability" page-type: "offering-page" updated-at: "2026-09-23" --- 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, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot 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/insurance-providers/harper/product-liability) # Harper Product Liability Insurance 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. [1](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance") (Evidence: Company-reported; scope: Product liability page's 'Why Harper' section; describes Harper's placement process, not a specific insurer or policy.) ## Issuing Insurer - **Not publicly disclosed.** 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](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance") [2](https://www.harperinsure.com/coverages "What We Cover") (Scope: Checked the product liability page and the coverage directory on 2026-09-23; neither names a carrier for this specific line.) ## Who It’s For - 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. [1](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance") (Evidence: Company-reported; scope: Product liability page introduction and FAQ answer on non-manufacturer exposure.) ## Coverage Features - 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. [1](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance") (Evidence: Company-reported; scope: Product 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.) ## Limits and Retentions - **Not publicly disclosed.** 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. [1](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance") (Scope: Product liability FAQ 'What does it cost?'; figures are unavailable on this public page and would appear on a quote.) ## Risk Services - 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. [1](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance") (Evidence: Company-reported; scope: Product liability page 'We know this' section and FAQ on additional-insured requests; a service Harper describes performing, not an independently verified outcome.) ## How to Apply - 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. [1](https://www.harperinsure.com/coverages/product-liability "Product Liability Insurance") (Evidence: Company-reported; scope: Product liability page quote form and 'Why Harper' process steps.) ## Harper Product Liability Insurance Compared - [Harper vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-harper/product-liability) - [Harper vs Amelia Risk](https://spot.insure/compare/amelia-risk-vs-harper/product-liability) - [Harper vs Beazley](https://spot.insure/compare/beazley-vs-harper/product-liability) - [Harper vs CFC](https://spot.insure/compare/cfc-vs-harper/product-liability) - [Harper vs Coverdash](https://spot.insure/compare/coverdash-vs-harper/product-liability) - [Harper vs Embroker](https://spot.insure/compare/embroker-vs-harper/product-liability) ## Other Harper Coverage Lines - [Harper Builders Risk Insurance](https://spot.insure/insurance-providers/harper/builders-risk) - [Harper Commercial Auto Insurance](https://spot.insure/insurance-providers/harper/commercial-auto) - [Harper Commercial Property Insurance](https://spot.insure/insurance-providers/harper/commercial-property) - [Harper Cyber Insurance](https://spot.insure/insurance-providers/harper/cyber) - [Harper General Liability Insurance](https://spot.insure/insurance-providers/harper/general-liability) - [Harper Inland Marine Insurance](https://spot.insure/insurance-providers/harper/inland-marine) - [Harper Liquor Liability Insurance](https://spot.insure/insurance-providers/harper/liquor-liability) - [Harper Medical Malpractice Insurance](https://spot.insure/insurance-providers/harper/medical-malpractice) - [Harper Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/harper/professional-errors-omissions) - [Harper Surety Bonds](https://spot.insure/insurance-providers/harper/surety-bonds) - [Harper Umbrella and Excess Liability Insurance](https://spot.insure/insurance-providers/harper/umbrella-excess) - [Harper Workers’ Compensation Insurance](https://spot.insure/insurance-providers/harper/workers-compensation) ## Related - [Harper Profile](https://spot.insure/insurance-providers/harper) - [Harper Reliability](https://spot.insure/insurance-providers/harper/reliability) - [Harper Alternatives](https://spot.insure/insurance-providers/harper/alternatives) - [Coverage Guide: Product liability](https://spot.insure/coverage/product-liability) ## Sources 1. [Product Liability Insurance](https://www.harperinsure.com/coverages/product-liability). Harper; Know your coverage: What is Product Liability insurance?; Injury claims, Property damage, Defense in depth, Vendor agreement compliance; Why Harper (specialist, market access, recommendation, same-day certificates); FAQs on importers/distributors/retailers and pricing drivers. Accessed 2026-09-23. 2. [What We Cover](https://www.harperinsure.com/coverages). Harper; Coverage directory list including Product Liability; intake selector categories. Accessed 2026-09-23. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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/insurance-providers/harper/product-liability.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)