What Are the Key Differences Between Harper and Insureon General Liability Insurance?
Contract Requirements and Placement
Harper markets GL to companies that need a certificate for a lease, customer contract or license, and specifically targets businesses that have been hard to place or previously declined. Its specialist reviews one application across multiple insurers rather than underwriting the policy. Insureon describes a small-business quote route and common third-party claims, but does not identify an applicant profile beyond that audience. A business with a prior decline or a contract deadline may find Harper’s stated focus useful; an Insureon quote should be checked for carrier fit and certificate timing. [2] [4]
Starting Limits and Certificate Timing
Harper says most leases and contracts ask for $1 million per claim as a starting point and that it may recommend higher limits; it says certificates are issued the same day once a policy is in force. Insureon’s overview gives no comparable limit or certificate timing. Buyers should provide the contract and verify both the required aggregate and any additional-insured wording; Harper’s stated starting limit is not a maximum or guarantee of availability. [2] [4]
What Should You Confirm in Harper and Insureon General Liability Insurance Quotes?
- Give each provider the contract or license requirement; confirm per-claim and aggregate limits, endorsements and the actual certificate delivery timing. [2] [4]
- If you were declined before, ask what additional underwriting information Harper or Insureon needs and which carriers will review it. [2] [4]