Harper vs Marsh Mclennan Agency: Professional Liability / E&O Insurance

Harper takes quotes online or by phone and places one policy around your actual services; Marsh McLennan Agency has organizations discuss placement with an adviser, including specialist lines for architects, engineers and lawyers.

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 Harper and Marsh McLennan Agency Professional Liability (E&O) Insurance?

Contract limits and exclusion review

Harper says it matches E&O limits to client-contract requirements and reads exclusions line by line because policies with the same limit can respond differently. MMA’s source names E&O, architect/engineer and lawyers professional offerings. If a contract sets an insurance limit, compare Harper’s described contract review with the actual MMA form, including its professional-services definition and exclusions. [2] [6]

One policy name or a specialist line

Harper says its “Professional Liability” and “Errors and Omissions” catalog entries refer to the same policy, with names varying by industry. MMA’s source separately names E&O, A&E and lawyers professional lines. A licensed professional should compare the policy form and definition of services, not rely on the catalogue label alone, and verify that the contract’s required limit and wording appear in the final certificate. [1] [6]

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

  • How will Harper map the contract’s limit to exclusions and the proposed E&O form? [2] [6]
  • Which MMA specialist policy and service definition satisfy the required contract wording? [1] [6]

Harper describes line-by-line exclusion review and says its E&O limits are matched to client-contract requirements. MMA names E&O, A&E and lawyers professional lines.

Sources reviewed

  1. 01
    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

  2. 02
    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

  3. 03
    What We Cover

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

  4. 04
    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

  5. 05
    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

  6. 06
    Executive and Professional Liability | MMA

    Marsh McLennan Agency · E&O, architects and engineers, and lawyers professional lines are named in the policy suite. · accessed 2026-09-30

  7. 07
    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

  8. 08
    Get business insurance

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

Areas of coverage

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 ↗

Marsh McLennan Agency

  • role: Marsh McLennan Agency describes arranging professional errors omissions for the audience stated on the cited product page. professional errors omissions marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • eligibility: Organizations seeking professional liability placement; source does not imply all professions share one policy. professional errors omissions marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • coverage: The cited product page describes E&O and named specialist professional lines, including architects and engineers and lawyers professional liability; the overview does not treat them as one form. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. professional errors omissions marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • application: The page invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. professional errors omissions marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • limits: The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred.not-disclosedSource ↗

Ask Kearny Risk to help relate this comparison to your services and contracts.

Contact Kearny Risk