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Harper is a commercial insurance brokerage that specializes in two things:
Getting better rates on complete packages for businesses of all sizes.
Covering the complex cases that make other brokers run away.
Startup-Focused Understanding Harper recognizes that new business operators are "enthusiastic about launching" but need protection when "things don't proceed as planned," providing essential coverage without overwhelming new entrepreneurs.
Comprehensive Startup Protection Harper offers complete coverage solutions including general liability, commercial property, business owners' policies (BOPs), business interruption, commercial auto, and professional liability insurance - all tailored for startup needs.
Budget-Conscious Solutions Harper understands that startups "might not have the capital necessary" for extensive coverage and offers affordable BOP bundles that are "frequently more affordable" than buying separate policies.
Risk Education Harper helps startups understand the diverse risks they face, from employee injuries and property damage to cyberattacks and professional errors, ensuring new businesses get appropriate protection.
Business Continuity Focus Harper provides business interruption coverage that pays operating expenses, payroll, taxes, and lost revenue when startups cannot operate due to property damage, protecting the investment entrepreneurs have made.
Flexible Coverage Options Harper offers both individual policies and bundled business owner's policies, allowing startups to choose coverage that fits their specific business model and growth stage.
Investment Protection Harper understands that startups represent significant "time and effort" investments and provides coverage that protects both personal assets and the company entrepreneurs are "working so hard to establish."
Peace of Mind for Growth Harper helps startups navigate the "uncertainties" of the business process by providing comprehensive protection that allows entrepreneurs to focus on building their business rather than worrying about potential risks.
Professional Support Harper's insurance specialists help new business owners understand what coverage they need and how much it might cost, providing guidance through the complex world of business insurance for first-time entrepreneurs.
Launching a startup exposes your new venture to numerous risk exposures that can threaten your business before it even gets established. The right insurance coverage protects your startup investment and demonstrates professionalism to potential clients, investors, and partners. Many clients and contracts require proof of insurance before doing business, and government contracts mandate certificates of insurance just to submit proposals.
Startups across all industries may need insurance protection, including:
Startups are newly established businesses, typically characterized by:
From an insurance perspective, startups face unique challenges including limited operating history, evolving business models, and resource constraints that make proper coverage selection crucial for survival and growth.
IMPORTANT NOTE: If your startup plans to hire employees or contractors, understanding worker classification is critical:
While you may classify team members as independent contractors for tax purposes (issuing 1099s), if someone is injured while working for your startup, the Department of Labor determines their actual employment status - not the IRS classification.
If the DOL determines your "contractor" is actually an employee, your startup becomes liable for all medical costs, lost wages, and future damages, regardless of how you've been treating them tax-wise. This distinction can make or break a young company facing its first major claim.
Every startup needs general liability coverage as foundational protection:
Many startup office leases and client contracts require proof of general liability coverage before you can operate.
Critical for startups providing services, advice, or expertise:
Essential for tech startups, consultants, agencies, and any business where clients rely on your professional judgment.
Absolutely essential for modern startups handling digital data:
With most startups operating digitally, cyber coverage isn't optional - it's survival insurance.
Protects your startup's physical and digital assets:
Required by law when you hire employees, covering:
Necessary if your startup uses vehicles for business:
Important for startups seeking investment:
Option 1: Direct Purchase
Option 2: Client Policy Addition
Startup insurance costs depend on several factors:
Cost-Saving Strategies for Startups:
Harper Insurance recognizes that startups operate differently than established businesses:
Don't let insurance become another startup stress point. Harper Insurance specializes in protecting new businesses with comprehensive, affordable coverage that scales with your growth.
Contact Harper Insurance for your free startup business insurance quote and expert guidance on building the right protection foundation for your new venture.