Counterpart vs Harper: Professional Liability / E&O Insurance

Harper, a broker, says it can match E&O to a client contract and issue a certificate the same day after an online or phone quote. Counterpart distributes via wholesale brokers, with programs split by profession.

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 Professional Liability (E&O) Insurance?

Program Structure and Professional Fit

Harper targets consultants, agencies, technology firms and licensed professionals, and says it reviews exclusions line by line and matches limits to client contracts. Counterpart lists separate programs for miscellaneous, architecture/engineering/contractor, allied-health and lawyer risks. A contract-driven buyer can ask Harper to map requirements to the proposed form; a Counterpart buyer should first match the service to a listed program. [8] [7] [6] [3] [2] [5]

Quote Turnaround and Terms

Harper's product page reviewed September 23, 2026 described online or phone quotes and same-day certificates. Counterpart publishes selected modular terms and directs placements through wholesale brokers. A certificate does not change policy wording; compare the required professional services, exclusions and limits in the bound forms. [8] [6] [1]

What Should You Confirm in Counterpart and Harper Professional Liability (E&O) Insurance Quotes?

  • Harper: request the marked-up exclusion review and match each client requirement. Counterpart: obtain the applicable form and confirm the requested certificate reflects bound terms. [6] [5] [8] [7]

Harper describes E&O for professional work and says limits are matched to client-contract requirements; Counterpart lists separate programs by profession and selected modular terms.

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
    Architects, Engineers, & Contractors Liability

    Counterpart, Inc. · Retained provider source: A&E/contractor class examples, services, enhancements and illustrative limits; prior access 2026-09-28. · accessed 2026-09-28

  4. 04
    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

  5. 05
    Lawyers Professional Liability Insurance

    Counterpart, Inc. · Reopened 2026-09-30: page lines 4–8 names lawyer-focused product; lines 236–272 company-stated geographic reach, modular liability limit examples, professional services, technology/media extensions and GL alongside professional cover. Product terms remain policy-specific. · accessed 2026-09-30

  6. 06
    Professional & General Liability

    Counterpart, Inc. · Reopened 2026-09-30: page lines 4–8 says MPL may be purchased alone or packaged with GL; lines 208–245 describe industries and coverage examples; lines 251–283 describe risk assessment, quoting channels and underwriter access. Marketing page, not binding terms. · accessed 2026-09-30

  7. 07
    Errors and Omissions Insurance

    Harper · Page states the product is 'Same policy as professional liability, just what your industry calls it'; describes financial-loss claims from professional services and late-arriving claims · accessed 2026-09-23

  8. 08
    Professional Liability Insurance

    Harper · Know your coverage: What is Professional Liability insurance?; Errors & omissions, Negligence allegations, Legal defense, Contract-driven limits; Why Harper; FAQs on general liability vs. E&O, client E&O requirements, and pricing drivers · accessed 2026-09-23

  9. 09
    What We Cover

    Harper · Coverage directory list including Errors and Omissions and Professional Liability as separate catalogue entries · accessed 2026-09-23

  10. 10
    Professional Liability – US Direct Errors and Omissions Insurance

    Hiscox Inc. specimen · About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act · accessed 2026-09-16

  11. 11
    Professional liability insurance

    Insurance Information Institute · Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion) · accessed 2026-09-16

  12. 12
    FAQ: Professional liability insurance

    Texas Department of Insurance · What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies · accessed 2026-09-16

  13. 13
    Get business insurance

    U.S. Small Business Administration · Six common types of business insurance table · accessed 2026-09-16

Areas of coverage

Counterpart

  • role: Counterpart describes its product distribution through Counterpart Insurance Services, Inc. and wholesale brokers. The cited marketing pages do not identify the insurer for a particular professional-liability risk or state.company-reportedSource ↗Source ↗
  • eligibility: Counterpart lists distinct professional-liability programs for miscellaneous professionals, architects/engineers/contractors, allied healthcare and lawyers. Each page has its own occupation scope; no single eligibility rule applies across all four products.company-reportedSource ↗Source ↗Source ↗Source ↗
  • coverage: The Lawyers Professional Liability page describes claims arising from lawyers’ professional services; the MPL page gives service-related negligence and financial-loss examples. These are distinct program summaries and do not establish identical policy triggers or coverages.company-reportedSource ↗Source ↗
  • limits: Counterpart says its professional pages support modular limits and presents sample limits and retentions for selected professions. Published examples are illustrative, not terms available to a particular applicant.company-reportedSource ↗Source ↗

Harper

  • role: Harper places professional liability coverage as a broker, writing the policy around the applicant's actual services rather than underwriting it, and describes a specialist handling the placement. Professional liability page introduction and 'Why Harper' section.company-reportedSource ↗
  • role: Harper markets the identical policy under two catalogue entries, "Professional Liability" and "Errors and Omissions"; the E&O page states it is the same policy, just named what a given industry calls it. Coverage directory listing plus the E&O page's own description; a naming convention Harper states about itself, not a distinction between two products.company-reportedSource ↗Source ↗
  • eligibility: Harper targets consultants, agencies, tech firms and licensed professionals whose work product is advice, design or a decision, since general liability doesn't cover a client claiming that work caused a financial loss. Professional liability page introduction and FAQ distinguishing it from general liability.company-reportedSource ↗
  • coverage: Harper describes coverage for errors and omissions in the work itself, negligence allegations about professional judgment, and legal defense costs, with limits it says are matched to the client contracts that require the policy. Professional liability page's four coverage tiles; the E&O page adds that claims often surface a year or more after the work was delivered. The issued policy and its exclusions control actual scope.company-reportedSource ↗Source ↗
  • services: Harper says it reads a policy's exclusions line by line before a client buys, because two E&O policies with the same limit can respond very differently to the same claim. Professional liability page 'We know this' section; a described review practice, not an independently verified outcome.company-reportedSource ↗
  • application: You request a quote online or by phone; if a client contract requires E&O, Harper says it places coverage matching that requirement and issues the certificate the same day. Professional liability page quote form and FAQ 'My client contract requires E&O. What now?'.company-reportedSource ↗
  • insurer: The reviewed pages name pricing drivers (services performed, revenue, contract size) but do not name the issuing insurer or publish specific limit, retention or premium figures for this line. Checked both the professional-liability and errors-and-omissions pages on 2026-09-23; neither names a carrier or a limit figure.not-disclosedSource ↗Source ↗

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