--- title: "Harper Professional Liability (E&O) Insurance" description: "What Harper Professional Liability (E&O) Insurance covers, who it’s for, and how to apply, cited to Harper’s own published sources." canonical: "https://spot.insure/insurance-providers/harper/professional-errors-omissions" 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/professional-errors-omissions) # Harper Professional Liability (E&O) Insurance Harper Professional Liability 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. [1](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: 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. [2](https://www.harperinsure.com/coverages/errors-and-omissions "Errors and Omissions Insurance") [3](https://www.harperinsure.com/coverages "What We Cover") (Evidence: Company-reported; scope: Coverage directory listing plus the E&O page's own description; a naming convention Harper states about itself, not a distinction between two products.) ## Issuing Insurer - **Not publicly disclosed.** 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](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance") [2](https://www.harperinsure.com/coverages/errors-and-omissions "Errors and Omissions Insurance") (Scope: Checked both the professional-liability and errors-and-omissions pages on 2026-09-23; neither names a carrier or a limit figure.) ## Who It’s For - 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. [1](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Professional liability page introduction and FAQ distinguishing it from general liability.) ## Coverage Features - 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](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance") [2](https://www.harperinsure.com/coverages/errors-and-omissions "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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.) ## Risk Services - 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. [1](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Professional liability page 'We know this' section; a described review practice, not an independently verified outcome.) ## How to Apply - 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. [1](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Professional liability page quote form and FAQ 'My client contract requires E&O. What now?'.) ## Harper Professional Liability (E&O) Insurance Compared - [Harper vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-harper/professional-errors-omissions) - [Harper vs At-Bay](https://spot.insure/compare/at-bay-vs-harper/professional-errors-omissions) - [Harper vs Beazley](https://spot.insure/compare/beazley-vs-harper/professional-errors-omissions) - [Harper vs CFC](https://spot.insure/compare/cfc-vs-harper/professional-errors-omissions) - [Harper vs Chubb](https://spot.insure/compare/chubb-vs-harper/professional-errors-omissions) - [Harper vs Coalition](https://spot.insure/compare/coalition-vs-harper/professional-errors-omissions) ## 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 Product Liability Insurance](https://spot.insure/insurance-providers/harper/product-liability) - [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: Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) ## Sources 1. [Professional Liability Insurance](https://www.harperinsure.com/coverages/professional-liability). Harper; Know your coverage: What is Professional Liability insurance?; Errors & omissions, Negligence allegations, Legal defense, Contract-driven limits; Why Harper; FAQs on general liability vs. E&O, client E&O requirements, and pricing drivers. Accessed 2026-09-23. 2. [Errors and Omissions Insurance](https://www.harperinsure.com/coverages/errors-and-omissions). Harper; Page states the product is 'Same policy as professional liability, just what your industry calls it'; describes financial-loss claims from professional services and late-arriving claims. Accessed 2026-09-23. 3. [What We Cover](https://www.harperinsure.com/coverages). Harper; Coverage directory list including Errors and Omissions and Professional Liability as separate catalogue entries. Accessed 2026-09-23. Updated 2026-09-23. 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