Looking for Insurance Brokers Insurance?
Unlock new markets and place hard-to-bind risks with Harper's wholesale insurance solutions. Partner with us to access specialty carriers, streamline submissions, and win more business for your clients. Get appointed today and expand your reach.
What is Insurance Brokers Insurance?
Harper's Wholesale Broker Program is designed for retail insurance agents and brokers who need access to specialty markets and hard-to-place risks. We connect you with carriers and coverage options outside your current portfolio, enabling you to serve more clients without turning away business.
Excess & Surplus Lines
Access non-admitted markets for risks that standard carriers won't write, including high-hazard industries, unusual exposures, and capacity-constrained classes.
Specialty Commercial Lines
Place coverage for niche industries and complex risks including cannabis, hospitality, transportation, and manufacturing through our network of specialty carriers.
Binding Authority
Leverage our binding authority relationships to quote and bind policies faster, reducing turnaround time and improving your client experience.
Program Business
Access exclusive programs with competitive rates and broad coverage for specific industries, giving you an edge against competitors.
Who Needs Insurance Brokers Insurance?
- Retail Insurance Agents : Independent agents looking to expand their product offerings without additional carrier appointments
- Regional Brokerages : Mid-size brokerages needing surplus lines access and specialty market placement
- Specialty Focused Brokers : Brokers concentrating on niche industries who need additional capacity and market options
- New Agency Owners : Recently licensed agents building their carrier portfolio while serving clients immediately
- High-Volume Producers : Top producers who need fast, reliable wholesale support to maintain their client service standards
Why Harper?
Expanded Market Access
Harper Insure partners with 50+ specialty carriers and MGAs, giving you access to markets and coverage options you don't have direct appointments with.
Fast Turnaround
Our streamlined submission process and dedicated underwriting team delivers quotes in hours, not days. Win more business by responding faster than competitors.
Competitive Commissions
Earn competitive wholesale commissions on every placement. Our transparent commission structure ensures you're fairly compensated for your business.
Expert Placement Support
Our experienced placement specialists help you structure submissions, identify the right markets, and navigate complex risks to maximize placement success.
Technology-Enabled
Submit risks, track quotes, and manage policies through our modern broker portal. API integrations available for high-volume partners.
White-Label Options
Maintain your client relationships with white-label quoting and servicing options. Your brand stays front and center.
Frequently Asked Questions
What types of risks can Harper help place?
Harper specializes in hard-to-place commercial risks including high-hazard industries, surplus lines, specialty programs, and coverage for businesses that standard markets decline. Our carrier network spans property, casualty, professional liability, and specialty lines.
How do I get appointed with Harper?
Getting started is simple. Complete our broker application, provide your agency credentials and E&O certificate, and our team will review and activate your account, typically within 24–48 hours.
What are the commission structures?
Commission rates vary by line of business and carrier, but we offer competitive wholesale commissions on all placements. We provide full transparency on commission splits before you bind any policy.
Can I submit risks online?
Yes. Our broker portal allows you to submit risks, receive quotes, bind coverage, and manage policies entirely online. We also offer API access for agencies with high submission volumes.
Do you offer binding authority on any lines?
Yes. We have binding authority on select programs and lines of business, enabling faster quote-to-bind turnaround. Contact us to learn which lines are available for immediate binding.
Will my clients know I'm using a wholesaler?
That's your choice. We offer white-label options so your agency remains the face of the transaction, or you can be transparent about our partnership—whatever works best for your client relationships.