Harper 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. ¹Company-reportedProfessional 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. ^2,3Company-reportedCoverage directory listing plus the E&O page's own description; a naming convention Harper states about itself, not a distinction between two products.

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. ^1,2Not publicly disclosedChecked both the professional-liability and errors-and-omissions pages on 2026-09-23; neither names a carrier or a limit figure.

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. ¹Company-reportedProfessional liability page introduction and FAQ distinguishing it from general liability.

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. ^1,2Company-reportedProfessional 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.

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. ¹Company-reportedProfessional liability page 'We know this' section; a described review practice, not an independently verified outcome.

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. ¹Company-reportedProfessional liability page quote form and FAQ 'My client contract requires E&O. What now?'.