Is Harper Legit? Licensing, Carriers and Reliability
Harper has a Broker Reliability Score of 5.9/10, a partial score covering only the factors with sufficient evidence. Reliability Scores assess documented reliability within the reviewed scope; they do not predict claims payment.
Harper Broker Reliability Score
5.9/ 10This partial Broker Reliability Score covers licensing and authority and how clearly it explains its terms. It uses 45% of the rubric's factor weighting, normalized to a ten-point scale. Anything without enough evidence is left out, not scored as zero.
Assessed entity: Harper Global Enterprises Inc.. Scope: Limited to the licensed agency Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency, acting as a commercial insurance broker. Harper Group Corp., its parent, is described but not separately assessed. A December 2025 federal disclosure links the two.
Partial score — 45% of this rubric’s factor weighting. Excluded: Carrier-Network Strength, Regulatory Conduct
Assessed 2026-09-29 · Review due 2026-10-29
| Factor | Weight | Included | Score | Basis |
|---|---|---|---|---|
| Identity and Authority | 30% | 66.7%normalized | 2.7 / 4 | [7][1][3][2][9][4][5][6][13][14][8][10][11][12] |
| Carrier-Network Strength | 30% | — | Excluded | The supplied evidence did not support a score for Carrier-Network Strength; this factor is excluded, not scored as zero. Canonical evidence gaps: Harper publishes no terms of service, so the contracting company, its responsibilities and how a buyer is charged are still not stated.; No carrier or market relationship is evidenced. The home page shows a partner logo strip, which is not an appointment, and the funding announcement claims 165+ underwriters and names none.; No insurer, delegated binding-authority terms or policy issuer for a Harper placement were identified.; No financial statements, capital or liquidity evidence exist for Harper Global Enterprises Inc. The February 2026 funding announcement is a company fact, not a balance sheet.; No completed five-year conduct result is available for Harper Global Enterprises Inc. or Harper Group Corp. This is not a clean-record finding.; Harper's own pages disagree on how many insurers it works with (165+ underwriters, over 200 markets), and none of them lists appointments or the insurer behind a specific policy. |
| Regulatory Conduct | 25% | — | Excluded | The supplied evidence did not support a score for Regulatory Conduct; this factor is excluded, not scored as zero. Canonical evidence gaps: Harper publishes no terms of service, so the contracting company, its responsibilities and how a buyer is charged are still not stated.; No carrier or market relationship is evidenced. The home page shows a partner logo strip, which is not an appointment, and the funding announcement claims 165+ underwriters and names none.; No insurer, delegated binding-authority terms or policy issuer for a Harper placement were identified.; No financial statements, capital or liquidity evidence exist for Harper Global Enterprises Inc. The February 2026 funding announcement is a company fact, not a balance sheet.; No completed five-year conduct result is available for Harper Global Enterprises Inc. or Harper Group Corp. This is not a clean-record finding.; Harper's own pages disagree on how many insurers it works with (165+ underwriters, over 200 markets), and none of them lists appointments or the insurer behind a specific policy. |
| Disclosure Clarity | 15% | 33.3%normalized | 1.7 / 4 | [7][1][3][2][9][4][5][6][13][14][8][10][11][12] |
Included weights are normalized over the supported factors.
What Evidence Supports Spot’s Assessment of Harper?
Role: Broker. Scope: Limited to the licensed agency Harper Global Enterprises Inc., doing business as Harper Global Insurance Agency, acting as a commercial insurance broker. Harper Group Corp., its parent, is described but not separately assessed. A December 2025 federal disclosure links the two.
Harper Legal Identity
Two corporate names appear in Harper's own disclosures. The privacy policy opens 'Harper Group Corp. is an AI-native commercial insurance brokerage', while the site footer, the privacy-policy footer and the February 2026 funding announcement all name Harper Global Enterprises Inc. doing business as Harper Global Insurance Agency. Which of them holds the authority being assessed is settled by the regulator: the Georgia record for licence 237101, the number Harper itself publishes, is held by HARPER GLOBAL ENTERPRISES INC. under National Producer Number 21740058, with property, casualty and life lines active. A Georgia name search at the licensee's own Alpharetta address returns that one licensee and no alias row, and a search for HARPER GROUP at the San Francisco address in the privacy policy returns no record at all. Nothing anywhere shows Harper Group Corp. holding a licence, an NPN or an appointment.[1][2][7][9]
Harper Global Enterprises Inc. identified Harper Group Corp. as its corporate parent in a federal corporate-disclosure filing on 9 December 2025. The privacy policy is the parent's document. The footer agency is the subsidiary. Harper still publishes no terms of service saying which of the two contracts with you, what it is responsible for, or how it is paid.[3][2][1]
The contact email on the Georgia licence record uses 3hcg.com. That site is a compliance vendor, now branded Saratoga Compliance, offering registered-agent and producer-licensing services. A Florida registry mirror lists 3H Agent Services, Inc. as registered agent for Harper Global Enterprises Inc. That is a vendor relationship, not another Harper brokerage.[4][5][7]
Harper Licensing
Harper publishes Georgia licence 237101 and California licence 6017784 for Harper Global Enterprises Inc. The Georgia record, checked 22 September 2026, shows that resident agency licence active through 30 September 2028, with property, casualty and life lines active. A producer licence is permission to sell insurance. It is not a promise that a particular policy is available.[7][1]
Harper Financial Strength
Harper's current funding announcement describes $47 million in funding dated February 26, 2026; funding and access to underwriters do not establish Harper's own balance sheet or the financial strength of an insurer on a buyer's quote. No current carrier-specific AM Best action or statutory statement is available.[6][1]
Harper Risk Bearing
Harper's home page names Greenhill, Progressive, Kinsale, USLI, Atlantic Casualty, James River, GEICO, AIG and Hiscox and says it has access to hundreds more. Another Harper article says it works with over 200 markets and exclusively with AAA-rated carriers, while the February 2026 funding announcement says 165+ underwriters. AAA is not an AM Best rating grade, and the counts differ between pages.[1][13][6]
Harper presents itself as arranging coverage from other companies and marketing wholesale access. The reviewed materials do not identify delegating insurers, product and state limits or a policy issuer for a particular risk; Harper is treated as intermediary unless the quote states otherwise.[1][6]
Harper's home page carries a 'Partners you can count on' section that presents insurer names as a logo strip. A logo is not evidence of an appointment, a binding authority or a placement relationship, and the Georgia licensing record lists no carrier appointments for Harper Global Enterprises Inc. at all. No carrier or market relationship is therefore evidenced for any Harper placement.[1][7]
Harper Claims Service
Harper says its team assists with claims documentation, communication and carrier advocacy, and its portal describes policy, certificate, payment and application-status access. These are company-described services and do not establish claim outcomes or a response commitment.[1]
The parent and the licensed agency are now identified. What is still missing for a buyer is a terms of service: Harper does not say which company you contract with, what it is responsible for, or how you are charged.[3][2][1]
Harper's text-messaging terms say no text message binds, changes, renews or cancels coverage, and that coverage needs written confirmation from Harper and the carrier. That is a useful limit for buyers, but it is not a claims or complaints procedure.[14]
Harper Regulatory Record
The Georgia record shows an active licence with no restriction noted on it, but a licence status is not a conduct search. No completed five-year conduct result is available for Harper Global Enterprises Inc. or Harper Group Corp. in Georgia or anywhere else, and California was not available. This is not a clean-record finding.[7][8]
Evidence Gaps in Spot’s Review of Harper
- Harper publishes no terms of service, so the contracting company, its responsibilities and how a buyer is charged are still not stated.
- No carrier or market relationship is evidenced. The home page shows a partner logo strip, which is not an appointment, and the funding announcement claims 165+ underwriters and names none.
- No insurer, delegated binding-authority terms or policy issuer for a Harper placement were identified.
- No financial statements, capital or liquidity evidence exist for Harper Global Enterprises Inc. The February 2026 funding announcement is a company fact, not a balance sheet.
- No completed five-year conduct result is available for Harper Global Enterprises Inc. or Harper Group Corp. This is not a clean-record finding.
- Harper's own pages disagree on how many insurers it works with (165+ underwriters, over 200 markets), and none of them lists appointments or the insurer behind a specific policy.
Jurisdiction Searches Run for Harper
| Jurisdiction | Result | Notes |
|---|---|---|
 Georgia | Verified regulator result[7] | Georgia record shows HARPER GLOBAL ENTERPRISES INC., NPN 21740058, Principal Agency - Resident licence 237101 Active from 09-04-2024 to 09-30-2028, with Property, Casualty and Life lines active and no carrier appointments listed. |
 CaliforniaCalifornia Department of Insurance | Source inaccessible[8] | The California licence-number search for 6017784 was not available on 22 September 2026. This is not a no-licence finding. |
 United States | Not found in reviewed search[10] | EDGAR holds no registrant or filing for either name. No securities filing discloses either company's structure. |
| C(CA (Corporate) | Source inaccessible[11] | The California Secretary of State business search was not available on 22 September 2026. |
| G(GA (Corporate) | Source inaccessible[12] | The Georgia Secretary of State business search was not available on 22 September 2026. |
| HWHarper Website Disclosures (Home, Privacy, Text Terms, Articles) | Company-reported disclosure[1][2][14][13] | Reviewed 2026-09-29. Pages identify the agency, its address and its California and Georgia license numbers, name insurers, and say nothing about fees, compensation or which company contracts with the buyer. A terms page returned 404. |
Harper Licenses and Authority Records
These are reviewed authority records for the named legal entities and scope. A license record does not establish that a particular policy is available, bound, or suitable.
| Entity and jurisdiction | Identifier | License class and authority |
|---|---|---|
| Harper Global Enterprises Inc.Georgia | State license: 237101[7] | Principal Agency - Resident; Georgia record retrieved 22 September 2026 shows Status Active from 09-04-2024 to 09-30-2028 with active Principal Agency Property, Casualty and Life lines under NPN 21740058 |
| Harper Global Enterprises Inc.California | State license: 6017784[1] | Producer license displayed by Harper; Company-published on the site and privacy-policy footers; the California regulator lookup was not available on 22 September 2026, so current authority and lines are not independently established |
| Harper Global Enterprises Inc.United States | National Producer Number: 21740058[7] | National Producer Number; Identifier shown on the Georgia regulator record for the licensee; an NPN is an identifier and does not by itself establish authority in any state |
Sources for Harper Reliability Research
- Harper: Business Insurance That Works for You. Harper; Home page, re-read 22 September 2026: broker overview and quote route; footer reads 'Harper Global Enterprises Inc. DBA Harper Global Insurance Agency, 425 Market St, Suite 1300, San Francisco, CA 94105', 'California License No. 6017784; Georgia License No. 237101.' and '(c) 2026 Harper Group. All rights reserved.'; a 'Partners you can count on' section presents insurer names as a logo strip with the text 'You will recognize some of these names. The rest are specialists who cover the work the big names turn down.'. Accessed 2026-09-22.
- Privacy Policy. Harper; Privacy policy, re-read in full 22 September 2026: opening sentence 'Harper Group Corp. ("Harper," "we," "us," or "our") is an AI-native commercial insurance brokerage.' and address block 'Harper Group Corp. 181 S Park St San Francisco, CA 94107 United States'; the footer separately carries 'Harper Global Enterprises Inc. DBA Harper Global Insurance Agency', 'California License No. 6017784' and 'Georgia License No. 237101'. A full-document search found no sentence containing affiliate, subsidiary, parent, group company or dba that connects the two corporate names. Harper publishes no terms-of-service page. Accessed 2026-09-22.
- Davis v. Harper Global Enterprises Inc. CourtListener; N.D. Ga. 1:25-cv-05899, docket entry 9 December 2025: Certificate of Interested Persons and Corporate Disclosure Statement by Harper Global Enterprises Inc. identifying Corporate Parent Harper Group Corp. Accessed 2026-09-29.
- Saratoga Compliance. Saratoga Compliance Solutions, LLC; Live homepage: insurance compliance platform offering registered-agent services and producer licensing; copyright 2026 Saratoga Compliance Solutions, LLC. Accessed 2026-09-29.
- HARPER GLOBAL ENTERPRISES INC. OpenCorporates; Florida foreign-branch mirror: registered agent 3H Agent Services, Inc., Gainesville, Florida. Secondary registry mirror, not the Florida filing image. Accessed 2026-09-29.
- Harper Funding Announcement. Harper; Funding announcement dated 26 February 2026, re-read 22 September 2026: $47 million in combined Seed and Series A funding led by Emergence Capital, with Y Combinator, Peak XV, Antler, 10X Founders, Fellows Fund and Outset Capital; the company states it works with '165+ underwriters' and names none. The page footer carries 'Harper Global Enterprises Inc. DBA Harper Global Insurance Agency' and no other legal name. Accessed 2026-09-22.
- Georgia Firm Consumer Inquiry - Harper Global Enterprises Inc. Sircon/Georgia insurance licensing lookup; Firm Consumer Inquiry for the State of Georgia, retrieved 22 September 2026: licensee HARPER GLOBAL ENTERPRISES INC., National Producer Number 21740058, business address 1035 Rockingham Street, Alpharetta, GA 30022; Principal Agency - Resident licence 237101, original issue 09-04-2024, Status Active, effective 09-04-2024, expiration 09-30-2028; authorised lines Principal Agency - Property, Principal Agency - Casualty and Principal Agency - Life, each Status Active from 09-04-2024. No carrier appointments are listed on the record. Accessed 2026-09-22.
- California License Number Search. California Department of Insurance; California licence-number and business-name lookup for licence 6017784 and for the name HARPER GLOBAL on 22 September 2026. The lookup was not available and the response is not a regulator finding. Accessed 2026-09-22.
- Georgia Firm Consumer Inquiry - Harper name searches. Sircon/Georgia insurance licensing lookup; Georgia agency firm-name searches run 22 September 2026. Firm name HARPER with city ALPHARETTA, the business address on the licensee's own record, returns one licensee only: HARPER GLOBAL ENTERPRISES INC., National Producer Number 21740058, with Principal Agency - Resident licence 237101 Active and no Aliases section, so Georgia records no doing-business-as or trade name for it. Firm name HARPER GROUP with city SAN FRANCISCO, the city in Harper's privacy-policy address block, returns no record. Accessed 2026-09-22.
- EDGAR company records - Harper. U.S. Securities and Exchange Commission; EDGAR holds no registrant or filing under either 'Harper Group Corp' or 'Harper Global Enterprises'. No securities filing disclosing either company's legal name, state of incorporation or group structure exists on the register. Accessed 2026-09-22.
- California Secretary of State business search. California Secretary of State; Business search requested 22 September 2026 for Harper Group Corp and Harper Global Enterprises. The service was not available, so neither corporate record could be read. Accessed 2026-09-22.
- Georgia Secretary of State business search. Georgia Secretary of State; Business search requested 22 September 2026. The site was not available. Accessed 2026-09-22.
- Why companies trust Harper. Harper; Says Harper works with over 200 insurance markets and exclusively with AAA-rated carriers; claims advocacy statement; no fee or commission statement. Accessed 2026-09-29.
- Harper text messaging terms. Harper; Names Harper Global Enterprises Inc. (Harper Global Insurance Agency) as a commercial insurance brokerage; says no text binds or changes coverage and that coverage needs written confirmation from Harper and the carrier. Accessed 2026-09-29.
Which Coverage Lines Does Spot Document for Harper?
Product pages for coverage lines documented for Harper.
- Harper Builders Risk Insurance
- Harper Business Owner’s Policy
- Harper Commercial Auto Insurance
- Harper Commercial Property Insurance
- Harper Cyber Insurance
- Harper General Liability Insurance
- Harper Inland Marine Insurance
- Harper Liquor Liability Insurance
- Harper Management Liability Insurance
- Harper Medical Malpractice Insurance
- Harper Product Liability Insurance
- Harper Professional Liability (E&O) Insurance
- Harper Surety Bonds
- Harper Umbrella and Excess Liability Insurance
- Harper Workers’ Compensation Insurance
