Counterpart vs Harper: How Do They Compare for Business Insurance?

Counterpart says its U.S. products are offered by its wholly owned subsidiary, Counterpart Insurance Services, Inc., which it identifies as a licensed producer and surplus-lines broker. The company says the issuing carrier is responsible for policy obligations. ³Company-reportedProvider-published U.S. distribution disclosure; this does not rule out an additional delegated program role.

Harper is a commercial insurance brokerage: it helps businesses find insurance from other companies and arrange the purchase. You can request a quote online or speak with a specialist, who gathers information, approaches insurers and explains the options. ^20,27Company-reportedCurrent buyer-facing brokerage description. This does not establish insurer status, universal market access or an independently tested purchasing outcome.

Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency, is the licensed agency. In a 9 December 2025 federal filing, that company identified Harper Group Corp. as its corporate parent. Harper still does not publish terms saying which company contracts with you or how you are charged. ^18,21,20VerifiedParent relationship from the federal docket entry. The DBA is company-disclosed. No terms of service were found naming the contracting party.

Other brokers can ask Harper about wholesale and non-admitted-market access, but its page does not identify the delegated insurers, products, states or limits; this does not make Harper the insurer. ³²Company-reportedSelective authority expressly claimed by company, not inferred from AI. No delegation contract or named binding program obtained. Non-admitted means the insurer is not licensed as an admitted insurer in the state of placement.

A February 2025 Counterpart help article describes a wholesale-broker referral route. Its current homepage also shows “Quote Online,” but we couldn’t confirm whether the current path is broker-assisted or lets a buyer quote, purchase or bind directly. ^6,1,5Conflicting sourcesOlder dated directions conflict with or leave an ambiguity beside a current digital quote CTA; no form or transaction was tested.

Counterpart says its dashboard shows broker-submission statuses from in progress through underwriting review and quote; its article says binding requires a signed application and any required subjectivities. ⁷Company-reportedCompany-described broker workflow in a July 2025 article; not independently tested.

You can request a quote by providing business, revenue, state, operations and coverage details; the form starts an inquiry and does not show a premium or issued policy. ¹⁹Company-reportedBrowser inspection of the blank homepage footer form. No data entered or submitted, so later application, quote, payment and binding screens were not tested.

Harper says its internal Hub software helps staff complete forms, identify markets and manage client communication; the launch announcement describes greater automation as a future direction. ²⁴Company-reportedFounder-authored description hosted by the accelerator; not independent verification of automation quality or a buyer-facing software subscription.

Harper says AI extracts document details, drafts messages and organizes follow-up, while licensed staff and carriers review eligibility and binding decisions; automated marketing does not mean a machine approves coverage alone. ²¹Company-reportedPrivacy sections 3 and 8; stated controls only. No audit of model accuracy, staff review or underwriting delegation.

Before uploading sensitive records, understand how Harper uses them: its privacy policy says applications and loss data help train Harper’s models, while enterprise AI vendors say they do not train foundation models on customer data. ²¹Company-reportedSections 2, 7 and 8. Company-reported data handling, not an independent privacy or security certification.

Do not rely on a text message to start or change coverage: Harper’s terms require written confirmation from Harper and the insurer, and text quotes remain subject to underwriting. ²⁰Company-reportedSection 11, effective August 24, 2026. Does not establish a particular insurer’s required payment or signing sequence.

Harper advertises a 24–48-hour placement time, but it is a company estimate rather than a deadline; ask what approvals and documents remain before relying on a start date. ³¹Company-reportedFebruary 26, 2026 marketing claim, not independently measured. Current homepage refers to same-week answers, a different milestone; neither is a binding service-level guarantee.

Counterpart says brokers can renew professional-liability accounts in a few clicks and can speak with profession-specialized underwriters. This is not a measured renewal time or a promise of automatic, guaranteed or direct insured renewal. ⁸Company-reportedCompany-described professional-liability broker service.

Harper says it can classify payroll by employees’ duties and prepare premium-audit information for workers’ compensation; audits can change the premium, and this is not a guarantee that cost stays fixed. ^28,36Company-reportedPublic payroll and audit service description; not independently tested, and state employee thresholds are deliberately not generalized.

If another agent refers you, confirm who will be your ongoing contact: Harper says it owns the account and handles placement, service, renewals and claims, while the referring agent has no service duties. ^33,32Company-reportedDistinct advertised programs; not assumed contradictory or contractually identical. Account ownership is the program’s language, not a finding that a buyer cannot change brokers.

Harper’s portal advertises policy, certificate, payment and application-status access; customers need an invitation and should ask support about features available after sign-in. ³⁴Company-reportedPublic entry page viewed and captured without authenticating, requesting an invitation or supplying contact information.

Harper describes policy reviews and renewal reminders, but not a guaranteed renewal price or a commitment to shop every policy; agree on the renewal plan with your team. ^35,20Company-reportedCompany service statements; no customer service agreement or renewal proposal inspected.