Harper Workers’ Compensation Insurance

Harper places workers' compensation coverage as a broker, pricing it off a client's actual payroll and job categories rather than underwriting the policy itself. ¹Company-reportedWorkers compensation page introduction and 'Why Harper' section.

The reviewed workers' compensation page does not name the insurer or insurers that would issue a given policy. ¹Not publicly disclosedChecked the workers compensation page on 2026-09-23; no carrier is named for this line.

Harper says coverage is legally required in most states from a business's first employee, and that it will confirm the exact requirement for a given state and headcount. ¹Company-reportedWorkers compensation page introduction and FAQ 'When am I required to carry it?'.

Harper describes the coverage as paying medical costs and lost wages for employees injured on the job, funding rehabilitation, and including employer's liability for related lawsuits that fall outside the workers' comp system. ¹Company-reportedWorkers compensation page's four coverage tiles; the issued policy and state comp statute control actual scope.

Harper names payroll, job categories and claims history as what sets the price, and notes that states regulate the rate math, but the reviewed page does not publish specific rates, limits or deductible figures. ¹Not publicly disclosedWorkers compensation FAQ 'What does it cost?'; figures depend on state rating rules and an actual quote.

Harper says it classifies a client's payroll into the correct job/class codes before binding, since insurers price workers' comp by class code and a wrong classification is a common cause of a large bill at audit. ¹Company-reportedWorkers compensation page 'We know this' section and FAQ 'What will the audit look like?'; a described placement practice, not an independently verified outcome.

You request a quote through Harper's online form or by phone; Harper says the application is shopped to the insurers that write the business's job classes. ¹Company-reportedWorkers compensation page quote form and 'Why Harper' process steps.