--- title: "Switch from Harper" description: "Compare brokers with Spot and move a hard-to-place business’s insurance program away from Harper with no gap in coverage." canonical: "https://spot.insure/switch-from/harper" page-type: "product" entities: ["Spot"] entity: "Spot" page-role: "product" --- 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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability 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/switch-from/harper) ## Agent Guide **What this page is:** Compare brokers with Spot and move a hard-to-place business’s insurance program away from Harper with no gap in coverage. **Limits (do not over-claim):** - Describes Spot's own service; it does not establish coverage terms or outcomes for any company. **Related pages:** - [Spot home](https://spot.insure/) — product overview - [Sitemap](https://spot.insure/sitemap) — inventory of all public pages # Moving your insurance program from Harper? Compare brokers with Spot 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. - Operations and claims history written up once - Specialty and standard policies planned separately - Portal records saved before servicing moves [Get Started](https://app.spot.insure/signup?intent=broker-change&coverage=general-liability&icp=trades) ## How it works - **Tell us which policies Harper placed.** 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. - **Document your operations.** We collect your operations, revenue, states, claims history and the cover your contracts require, in a single document a new broker can use. - **Compare specialist brokers.** Spot works alongside brokers. We help you ask each candidate which insurers it approached, which quoted and whether it uses a wholesaler. - **Plan the move policy by policy.** Your Spot team helps you decide whether a broker of record letter or renewal suits each policy, keeping anything hard to place active throughout. 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. ## Why businesses consider switching - **Your risk profile eased or worsened.** A cleaner loss record can open standard markets, while a new exposure can need a specialist. - **You added operations.** New vehicles, jobs, locations or states can change what the program needs. - **You want a different servicing style.** Some owners like portals and reminders, others like a phone call. - **A contract names a rating or form.** Customers sometimes require insurers of a certain financial strength or specific wording. ## How to switch without a gap - **Confirm renewal and notice terms.** Harper describes policy reviews and reminders but no fixed renewal commitment. Ask what notice your insurers expect. - **Get proposals early.** Hard-to-place risks can take time to market, so start well ahead of the date. - **Never let a specialty policy lapse.** Hard-to-place policies can be difficult to replace quickly. Keep each policy active until its replacement is confirmed in writing. - **Save your portal records.** Download policies and certificates before servicing moves, since Harper’s portal needs an invitation to enter. Afterward, send out fresh certificates. ## Coverage - [General liability](https://spot.insure/insurance/general-liability/quotes) - [Workers’ compensation](https://spot.insure/insurance/workers-compensation/quotes) - [Commercial auto](https://spot.insure/insurance/commercial-auto/quotes) - [Commercial property](https://spot.insure/insurance/commercial-property/quotes) - [Umbrella and excess liability](https://spot.insure/insurance/umbrella-excess/quotes) - [Garage liability](https://spot.insure/insurance/garage-liability/quotes) - [Surety bonds](https://spot.insure/insurance/surety-bonds/quotes) - [Medical malpractice](https://spot.insure/insurance/medical-malpractice/quotes) ## Common questions ### What does a broker want to know about a hard-to-place risk? Your operations, revenue, states, claims history and the coverage you need. Your Spot team assembles these into one document that any broker you consider can use. ### Can I move only the policies that are hard to place? Sometimes. Specialty policies sometimes go to a different broker from standard ones. Your Spot team lists each policy and who services it, so splitting is planned. ### Does Harper work with Spot? No. Spot isn’t affiliated with Harper. We name it only so you know whose program this page is about. ### Is switching in the middle of a term possible? Sometimes, using a broker of record letter, but insurers and agreements set the terms. Your Spot team reviews each policy first, because a hard-to-place line may be best left until renewal. ### Will Spot take a share of my premiums? No. Spot doesn’t earn commissions on premiums and works next to your broker, new or old. ## More - [Switch providers](https://spot.insure/switch-insurance) ## Agent and Developer Resources - [Markdown page](https://spot.insure/switch-from/harper.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)