Switch from Harper
Harper places hard-to-place commercial risks such as contractors, care providers and transportation, so your Spot team writes up your operations once and helps you compare other brokers.
List your general liability, workers’ compensation, auto, property, umbrella, bonds or other policies with renewal dates. Your Spot team also records the agency and insurer on each one.
We collect your operations, revenue, states, claims history and the cover your contracts require, in a single document a new broker can use.
General liability insurance
Juniper Electrical · Policy review
Confirm with your broker
Limits, exclusions, and endorsements
Spot works alongside brokers. We help you ask each candidate which insurers it approached, which quoted and whether it uses a wholesaler.
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SamJuniper Electrical
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Your Spot team helps you decide whether a broker of record letter or renewal suits each policy, keeping anything hard to place active throughout.
SamJuniper Electrical
Let’s review the information and discuss the next steps with your broker.
General liability insurance policy
Coverage terms · Limits
Harper is a commercial broker focused on hard-to-place industries, including contractors, care providers, manufacturers and transportation businesses. Its homepage describes a specialist-led process: learn about the business, contact insurers and explain the options. A quote request starts an inquiry and doesn’t show a premium or issued policy.
A cleaner loss record can open standard markets, while a new exposure can need a specialist.
New vehicles, jobs, locations or states can change what the program needs.
Some owners like portals and reminders, others like a phone call.
Customers sometimes require insurers of a certain financial strength or specific wording.
Harper describes policy reviews and reminders but no fixed renewal commitment. Ask what notice your insurers expect.
Hard-to-place risks can take time to market, so start well ahead of the date.
Hard-to-place policies can be difficult to replace quickly. Keep each policy active until its replacement is confirmed in writing.
Download policies and certificates before servicing moves, since Harper’s portal needs an invitation to enter. Afterward, send out fresh certificates.
Buy general liability with Spot: we prepare your submission, compare broker proposals on limits and terms, and get certificates and endorsements ready.
Get quotesWorkers’ compensation with Spot: state requirements checked, payroll and job classifications described correctly, and broker proposals compared before you bind.
Get quotesCommercial auto with Spot: one submission for your vehicles and drivers, and proposals compared on liability, vehicle damage, deductibles and who’s covered.
Get quotesCommercial property insurance with Spot: every location prepared for the market and proposals compared on valuation, coinsurance, deductibles and exclusions.
Get quotesUmbrella and excess liability with Spot: contract limits checked, the underlying schedule confirmed and attachment terms compared before you bind.
Get quotesGarage liability with Spot for repair and service shops: test drives and customer cars described, garagekeepers compared separately, renewals brought forward.
Get quotesGet surety bonds with Spot: the obligee’s requirement matched to the right bond type, your financials prepared for the surety, and proposals compared.
Get quotesMedical malpractice with Spot: clinicians, procedures and telehealth described, claims-made dates checked, and tail coverage planned before you switch.
Get quotesHarper places hard-to-place commercial risks such as contractors, care providers and transportation, so your Spot team writes up your operations once and helps you compare other brokers.
Get StartedRead these before you choose a policy or an insurer.
