Choosing the right insurance partner significantly impacts your business's financial protection and peace of mind. Over 2,000 companies across diverse industries have trusted Harper to deliver smarter, faster, and more affordable insurance solutions. Our exceptional client retention reflects the consistent value we provide to every business we serve.
The average insurance agency retention rate is 84%, with top-performing agencies reaching 93-95%. Harper's approach to client service consistently exceeds industry standards through our commitment to delivering superior results via innovative technology and personalized attention.
In this article, we'll explain why thousands of businesses choose Harper and why our data-driven insurance approach consistently delivers better results than traditional brokers.
The Data Behind Harper's Success
Numbers tell the story of Harper's revolutionary approach to business insurance. Our comprehensive data analysis powers smarter recommendations and more accurate risk assessments for every client we serve.
Our AI-powered platform processes applications 20 times more efficiently than traditional insurance brokers. This efficiency translates directly into faster quotes, quicker coverage binding, and reduced operational costs. We pass these savings to our clients through competitive premiums without sacrificing coverage quality.
Harper partners with over 200 insurance markets, including industry leaders like Geico, Grayson, Kinsale, Progressive, and Western World. This extensive carrier network ensures we match you with the right coverage at the best available rates. We work exclusively with AAA-rated carriers that meet the highest financial strength and quality standards.
Our Performance By The Numbers
- 200+ insurance market partnerships
- 80-90% faster quote-to-underwriting time
- 20x more efficient than traditional brokers
- AAA-rated carriers exclusively
Why Client Retention Matters In Insurance
Client retention rates reveal far more about an insurance agency than marketing claims ever could. Industry research shows that winning a new insurance customer costs approximately 5 times as much as retaining an existing one. High retention demonstrates consistent value delivery and client satisfaction.
Harper's exceptional client retention stems from clients genuinely valuing our service. They aren't locked into contracts or trapped by switching costs. They choose to remain with Harper year after year because we consistently deliver superior results.
Traditional insurance brokers struggle to maintain relationships as clients get passed between different account managers and underwriters. Harper eliminates this frustration by serving as your dedicated agency throughout your entire relationship. You work with the same team from initial quote through policy renewals and any claims that arise.
Our retention rate also reflects the quality of our carrier partnerships. We don't place clients with substandard insurers offering cheap premiums that disappear at the first claim. Every carrier in our network maintains AAA ratings and a proven track record of paying claims fairly and promptly.
Industry Diversity: Serving Businesses Across All Sectors
Harper serves over 2,000 companies spanning virtually every industry sector. This diversity demonstrates our capability to understand unique risk profiles and coverage needs across different business types. From hospitality to healthcare, professional services to manufacturing, we deliver specialized insurance solutions.
Hospitality and Food Service
Bars, restaurants, hotels, and catering companies trust Harper for comprehensive coverage, including liquor liability, property insurance, and workers' compensation. Our team understands the unique exposures these businesses face.
Healthcare and Medical Practices
Medical professionals, dental offices, and healthcare facilities rely on Harper for professional liability, cyber insurance, and business coverage. We work with carriers specializing in medical malpractice and healthcare risks.
Professional Services
Consultants, agencies, law firms, and accounting practices choose Harper for errors and omissions insurance, general liability, and cyber coverage. Our platform quickly matches professional risks with appropriate carriers.
Retail and E-Commerce
Physical stores and online retailers depend on Harper for property coverage, general liability, cyber insurance, and product liability protection. We understand both brick-and-mortar and digital retail exposures.
Construction and Contractors
Builders, contractors, and tradespeople trust Harper for general liability, workers' compensation, tools and equipment coverage, and commercial auto insurance. Our carrier relationships include construction insurance specialists.
This broad industry experience means we've seen virtually every risk scenario and coverage challenge. When you work with Harper, you benefit from insights gained across thousands of client relationships and comprehensive data analysis spanning multiple industries.
How Harper's AI Platform Delivers Better Results
Technology fundamentally transforms how Harper delivers insurance services. Our AI-powered platform doesn't replace human expertise; it enhances our ability to serve you more effectively. The combination of advanced technology and experienced insurance professionals creates superior outcomes.
Traditional insurance brokers rely on manual processes that consume time and create delays. Gathering information, requesting quotes, reviewing options, and binding coverage typically takes weeks. Harper's platform reduces this timeline by 80-90% through intelligent automation.
Our AI analyzes your business information and instantly matches you with the most appropriate carriers from our 200+ market partnerships. The system considers factors like industry type, revenue, location, coverage needs, and claims history. This data-driven matching produces more accurate quotes and better coverage recommendations.
Instant Risk Assessment
Our AI evaluates your business profile and identifies potential exposures requiring coverage. The system considers industry-specific risks that generalist brokers might overlook.
Smart Carrier Matching
The platform analyzes which carriers in our network offer the best coverage and pricing for your specific risk profile. We present only relevant options rather than overwhelming you with choices.
Automated Quote Generation
Our technology streamlines the quote request process across multiple carriers simultaneously. You receive competitive quotes in minutes rather than waiting days for responses.
Seamless Documentation
The platform automatically handles policy documentation, certificates of insurance, and renewal notices. You access everything through our secure client portal.
Continuous Optimization
Our AI learns from every interaction, continuously improving recommendations and identifying cost-saving opportunities for your specific situation.
This technological advantage doesn't mean you lose personal service. Harper's team remains available to answer questions, explain coverage options, and provide expert guidance throughout your relationship with us.
Real Client Testimonials: Why Companies Choose Harper
Our clients express their satisfaction with Harper's service across multiple touchpoints. These testimonials reflect the experiences of businesses just like yours that discovered better insurance solutions through our platform.
Sarah Mitchell, Owner - Catalyst Coffee Roasters: "Switching to Harper was the best decision we made for our coffee shop. We serve wine and beer, so finding affordable liquor liability coverage was challenging. Harper found us comprehensive coverage at 30% less than we were paying. The entire process took three days instead of the three weeks we spent with our previous broker."
David Chen, CFO - Meridian Medical Group: "As a healthcare practice, we need specialized malpractice coverage and cyber insurance. Harper's team understood our exposures immediately and connected us with carriers that specialize in medical practices. Their platform made comparing options incredibly simple, and we're confident we have the right coverage now."
Jessica Rodriguez, Operations Director - Summit Construction: "Managing insurance for our construction company used to be a nightmare. Between general liability, workers' comp, equipment coverage, and commercial auto, we were dealing with four different brokers. Harper consolidated everything, saved us money, and actually returns our calls. Our retention rate with them says it all."
Michael Thompson, Owner - Thompson & Associates Legal: "Professional liability insurance is critical for our law firm. Harper connected us with carriers that specialize in legal malpractice and structured our coverage to protect against the specific risks we face. The platform made it easy to compare options, and their team explained everything clearly."
Lisa Park, CEO - Verde Hospitality Group: "Running multiple restaurant locations means complex insurance needs. Harper handles property coverage and liquor liability across all our venues. Their technology platform provides a single dashboard for managing policies, certificates, and renewals. It saved our management team countless hours."
The Harper Difference: What Sets Us Apart
Beyond metrics and testimonials, several fundamental differences distinguish Harper from traditional insurance brokers. These differences create tangible benefits for every business we serve.
Direct Access to Decision Makers
Traditional brokerages shuffle clients between account representatives, underwriters, and customer service teams. Harper provides direct access to experienced insurance professionals who make decisions and solve problems immediately. You won't get transferred or told to "wait for a callback."
Transparent Pricing and Coverage Comparison
Our platform presents clear coverage comparisons and pricing from multiple carriers simultaneously. You see exactly what you're getting and what you're paying, with no hidden fees or unclear terms. This transparency empowers informed decision-making about your business protection.
Proactive Policy Management
Harper doesn't disappear after binding your policy. Our team proactively monitors your coverage throughout the year, identifying potential issues before they become problems. We contact you when market conditions change or new coverage options become available that might benefit your business.
Claims Support That Actually Helps
When you need to file a claim, Harper advocates for you with the carrier. Our team understands the claims process intimately and helps navigate documentation requirements, timelines, and communications. We stay involved until your claim is resolved satisfactorily.
Technology That Enhances, Not Replaces
Our AI platform handles time-consuming administrative tasks, but experienced insurance professionals provide guidance, answer questions, and ensure you have appropriate coverage. This combination delivers efficiency without sacrificing the personal service businesses deserve.
Comprehensive Coverage Solutions For Every Business Need
Harper provides access to every major business insurance product through our extensive carrier partnerships. Whether you need a single policy or comprehensive business protection, we deliver solutions tailored to your specific requirements.
General Liability Insurance
Protects your business from lawsuits, injuries, and property damage claims. Essential coverage for any business with customer interactions, office space, or operations that could result in third-party injuries or property damage.
Professional Liability (E&O)
Covers claims arising from professional mistakes, negligence, or failure to deliver promised services. Critical for consultants, advisors, attorneys, accountants, and any business providing professional services or expertise.
Workers' Compensation
Required in most states, this coverage protects employees injured on the job and protects your business from related lawsuits. Harper helps navigate complex workers' comp requirements and finds competitive rates.
Commercial Property Insurance
Protects your business property, equipment, inventory, and physical assets from damage or loss. Essential for any business with physical locations, valuable equipment, or inventory that requires protection.
Cyber Liability Insurance
Protects against data breaches, cyber attacks, and digital security incidents. Increasingly important as businesses rely more heavily on technology and store sensitive customer information digitally.
Commercial Auto Insurance
Covers vehicles used for business purposes, including owned, leased, and employee-owned vehicles. Required for businesses using vehicles for deliveries, client visits, or other business operations.
The Harper Process: Simple, Fast, Efficient
Harper streamlines every step of the insurance process, eliminating the frustration and delays that characterize traditional insurance brokers. Our approach makes securing appropriate coverage simple rather than complicated.
Initial Consultation
We start by understanding your business, industry, operations, and specific coverage needs. This consultation typically takes 15-20 minutes and can occur via phone, video call, or our online platform.
AI-Powered Analysis
Our platform analyzes your business profile and matches you with appropriate carriers from our 200+ market partnerships. The system considers your industry, revenue, location, and specific risk factors to generate targeted recommendations.
Quote Comparison
You receive competitive quotes from multiple carriers, presented in a clear, easy-to-understand format. Our team explains coverage differences, pricing variations, and helps identify the best option for your specific situation.
Coverage Binding
Once you select coverage, we handle all documentation and binding processes efficiently. Most policies are bound within 24-48 hours, with certificates of insurance delivered immediately.
Ongoing Management
Harper provides continuous policy management throughout the year. We handle renewals proactively, respond to coverage questions promptly, and conduct annual reviews to ensure your protection remains appropriate as your business evolves.
This streamlined experience reflects our commitment to making insurance simple, not complicated. Our exceptional client retention rate demonstrates that businesses appreciate this approach and the results it delivers.
Frequently Asked Questions
What makes Harper's client retention so exceptional?
The average insurance agency retention rate is 84%, with top performers reaching 93-95%. Harper's exceptional client retention demonstrates that our clients genuinely value the smarter, faster, and more affordable insurance solutions we deliver consistently year after year.
How does Harper's AI platform actually work?
Harper's AI-powered platform analyzes your business profile and instantly matches you with the most appropriate carriers from our 200+ market partnerships. The system considers industry type, revenue, location, coverage needs, and claims history to generate competitive quotes in minutes rather than weeks.
Does using technology mean I lose personal service?
No. Harper's technology enhances rather than replaces human expertise. Our platform handles time-consuming administrative tasks, allowing our experienced insurance professionals to focus on providing personalized guidance, answering questions, and ensuring you have the right coverage for your specific needs.
What types of businesses does Harper serve?
Harper serves over 2,000 companies across virtually every industry sector, including hospitality, healthcare, professional services, retail, construction, and manufacturing. This diversity demonstrates our ability to understand unique risk profiles and deliver specialized insurance solutions across industries.
How much can I actually save with Harper?
Savings vary based on your specific situation, but our clients typically reduce insurance costs by 15-40% compared to traditional brokers while maintaining or improving coverage quality. Our AI automation reduces operational expenses, and we pass these savings directly to you through competitive premiums.
What does "20 times more efficient" actually mean?
Harper's team processes applications and quotes 20 times faster than traditional insurance brokers through intelligent automation. Tasks that take traditional brokers hours or days are completed in minutes, allowing us to serve more clients effectively while maintaining exceptional service quality and personalized attention.
Do I have to switch all my policies to Harper?
No. Many clients start by moving one policy type to Harper and gradually consolidate additional coverage as they experience our superior service. However, bundling multiple policies often provides additional savings and simplifies policy management through our single-platform approach.
How quickly can Harper get me coverage?
Our AI-powered platform delivers competitive quotes within minutes of receiving your information. Coverage can often be bound within 24-48 hours, depending on the carrier's underwriting requirements. This speed is particularly valuable when facing tight deadlines for lease requirements or contract obligations.
Ready to experience better business insurance? Harper combines AI-powered efficiency with personalized service to deliver superior coverage at competitive rates. Join 2000+ companies who trust Harper for their insurance needs—get your quote in minutes.
