Harper

Harper is not a self-service insurance app. It's a brokerage that happens to be built on AI — and that distinction matters. If you're a drone manufacturer, a biotech lab, or a logistics company with multi-state exposure, Harper's model of combining human expertise with machine-accelerated carrier matching can cut weeks off your timeline and find coverage traditional brokers miss. The 100% success rate on tech E&O with no AI exclusions is a specific, credible claim that speaks to a real pain point. We'd reach for Harper when your risk profile is too niche for a Geico or a Hiscox, and you want someone who understands the language of compliance and liability. The $47M raise signals they're investing deeper into automation and data, which should only improve match quality. The biggest caveat: you have to pick up the phone and talk to someone. There's no 'get a quote in 2 minutes' flow. Harper also doesn't publish pricing ranges publicly, so you won't know your premium until you engage. If you're a small coffee shop looking for a simple BOP, Harper is overkill — go use a standard carrier or an online aggregator. For complex risks that need nuance, speed, and a broker who gets it, Harper is one of the few credible options.