Counterpart vs Harper: Medical Malpractice Insurance

Harper brokers malpractice for individual clinicians and care businesses through an online form with same-day certificates; Counterpart covers named allied-health classes and sells through wholesale brokers.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-10-01

What Are the Key Differences Between Counterpart and Harper Medical Malpractice Insurance?

Program Fit and Limits

Counterpart names allied-health classes and illustrates selected limits and retentions; Harper describes entity coverage for a practice or facility as well as coverage for individual clinicians. A group practice should check the named insureds on both proposals, while an individual clinician should first match Counterpart's listed class to the work performed. [2] [5]

Continuity Between Policies

Harper says most policies it places are claims-made and stresses the retroactive date and tail when a clinician changes jobs, retires or changes carriers. Counterpart's cited material provides examples but does not specify the form for every program. Ask for the exact trigger and tail terms in the quote before replacing existing coverage. [2] [5]

What Should You Confirm in Counterpart and Harper Medical Malpractice Insurance Quotes?

  • Counterpart: confirm the allied-health class and quote-specific limits and retention. Harper: request the retroactive date, tail terms and the named-insured schedule for the practice and clinicians. [2] [5]

Counterpart names allied-health classes and selected example terms; Harper says most malpractice policies it places are claims-made and discusses tail and entity coverage.

Sources reviewed

  1. 01
    How can I get insurance through Counterpart?

    Counterpart Knowledge Center · Retained source: article describes wholesale-broker referral route; prior access 2026-09-28. · accessed 2026-09-28

  2. 02
    Allied Medical & Healthcare Liability

    Counterpart, Inc. · Retained provider source: names allied healthcare classes, combined coverage/enhancements and illustrative limits/examples; does not establish conventional malpractice for every medical profession or standalone general liability. Prior access 2026-09-28; direct reopen failed in this session. · accessed 2026-09-28

  3. 03
    Counterpart | Agentic Insurance™

    Counterpart, Inc. · Retained provider source: footer states insurance products are offered by Counterpart Insurance Services, Inc., described as a licensed producer and surplus-lines broker; product/state availability varies, issuer not mapped by product/state. Prior access 2026-09-29. · accessed 2026-09-29

  4. 04
    Physicians Medical Professional Liability — Specimen Policy

    Curi underwriting companies identified on specimen cover · Base I–III printed pp.1–3/PDF pp.2–4; V–VI pp.3–6; VIII p.7; XII pp.11–13 · accessed 2026-09-16

  5. 05
    Medical Malpractice Insurance

    Harper · Product hero; Know your coverage: What is Medical Malpractice insurance?; Professional liability for care, License defense, Tail and prior acts, Entity coverage; Why Harper; FAQ: Occurrence or claims-made?, Does it cover board complaints?, What does it cost? · accessed 2026-09-23

  6. 06
    Physician Application

    MedPro Group / issuing companies identified on application · I–II p.1; III pp.2–4; IV pp.4–5; V pp.5–6; VI p.6 · accessed 2026-09-16

  7. 07
    Medical Malpractice Insurance

    National Association of Insurance Commissioners · Background: Issue; Overview; two basic types · accessed 2026-09-16

  8. 08
    Medical Liability Insurance shopping guide

    Texas Department of Insurance · What is medical liability insurance?; Claims-made versus occurrence; changing carriers; renewal tips · accessed 2026-09-16

Areas of coverage

Counterpart

  • role: Counterpart describes its business insurance as offered by its producer and surplus-lines broker through wholesale brokers. The channel does not identify which insurer issues a healthcare placement.company-reportedSource ↗Source ↗
  • eligibility: Counterpart’s Allied Medical & Healthcare page names specific allied-health classes for its product. The product is scoped to the classes named on that page and does not establish universal coverage for physicians, hospitals or all clinical practice.company-reportedSource ↗
  • coverage: Counterpart markets combined liability protection and coverage enhancements for the named allied-health classes. The summary does not establish a standalone conventional malpractice policy or a particular professional’s entitlement.company-reportedSource ↗
  • limits: The page displays example limit and retention figures for selected healthcare scenarios. Examples are not a quote, guarantee or universal limit.company-reportedSource ↗

Harper

  • role: Harper places medical malpractice coverage with carriers it describes as familiar with the clinician's or care business's specialty, rather than underwriting the policy itself. Product-page description of Harper's placement role for this line.company-reportedSource ↗
  • eligibility: Harper markets this line to clinicians and care businesses that need malpractice coverage for licensure or facility privileges, and it names tail coverage as a particular concern when a clinician leaves a practice or switches carriers. Product-page marketing copy; not an eligibility guarantee for a particular applicant or specialty.company-reportedSource ↗
  • coverage: Harper describes the medical malpractice coverage it places as responding to allegations about diagnosis, treatment, medication or supervision decisions, and as including defense of licensing-board complaints in addition to lawsuits. Product-page coverage summary; the issued policy and its exclusions control the actual terms.company-reportedSource ↗
  • coverage: Harper says most of the medical malpractice policies it places are claims-made, which makes the retroactive date and tail (extended reporting) coverage important when a clinician changes jobs, retires or switches carriers, and it also places entity coverage for the practice or facility itself, not only individual clinicians. FAQ and coverage-features text on the product page; actual trigger and tail terms depend on the specific policy.company-reportedSource ↗
  • limits: The reviewed medical malpractice page does not publish limit or retention amounts; it says cost and, implicitly, available terms depend on specialty, volume and claims history. Medical malpractice product page as read on 2026-09-23.not-disclosedSource ↗
  • services: Harper says it can issue certificates and quotes the same day for this line, and describes reaching both large carriers and specialty markets that write malpractice for a given specialty. Product-page service claims; not independently timed or confirmed for a particular request.company-reportedSource ↗
  • application: You apply for Harper medical malpractice coverage through an online quote form, and Harper says a specialist walks applicants through the occurrence-versus-claims-made and tail-coverage tradeoffs before they commit. Quote form and FAQ observed on the product page.company-reportedSource ↗

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