Send us the business you cannot place, and keep half the commission.
Harper Partners is for licensed insurance agents who have a commercial risk they cannot write. You forward it, we place and service it, and you are paid half the commission on everything we bind. Insurers and wholesalers who want a steady flow of prepared, quotable submissions have their own section below.
If you are a retail agent, a forwarded email is the whole ask.
Every commercial client you turn away is commission gone. Send the account to us instead and it stays in your income, with the placing, the servicing, and the renewals on our desk.
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Step 1 of 3 Forward the submission.
When a client comes to you with a commercial risk you cannot write, forward us the email. There is no portal to learn and no new paperwork on your end.
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Step 2 of 3 We place and bind it.
We quote, place, and bind the account across every commercial line, from general liability and property to workers' comp and commercial auto, and we service it from there, renewals included.
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Step 3 of 3 You get paid.
Once we bind the coverage you earn half of the commission, tracked per referral and paid 60 days after the account settles.
The split is half of Harper's commission on everything we bind from your referral, and there is no fee to join. Harper Partners is open to licensed insurance agents only, and you must be licensed in the state where the business is written.
Become a partnerIf you are an insurer or a wholesaler, we bring you business you can quote.
Harper brings insurers, managing general agents, and wholesalers a steady flow of quotable, prepared business in the classes they write. Our systems build the application and answer the underwriter's questions before the submission reaches your desk.
What we send
Complete applications in the classes you write, with the underwriter's questions already answered, the supplementals filled in, and the detail your desk would otherwise have to chase. A submission from us is ready to rate when it arrives.
What we ask
An appetite guide, so we send you only what you want to see, and a desk to send it to. Tell us the classes, the states, and the limits you write, and who should receive the submission, and we will route the right business your way.
Talk to usFrequently asked questions
Who qualifies?
Licensed insurance agents and agencies, and you must be licensed in the state where the business is written, because commission can only be shared with an appropriately licensed partner. There is no fee to join.
What lines can I send?
Every commercial line: general liability, property, workers' compensation, commercial auto, business owner's policies, and professional and management liability. It is not limited to hard-to-place risks. If a client needs commercial coverage you do not write, forward it.
How are we paid?
You earn half of Harper's commission on the business we bind from your referral, tracked per referral and paid 60 days after the account settles. Commission is earned only while the policy stays in force, so if an account cancels or goes unpaid, the corresponding commission is charged back.
Who owns the client?
Harper does. A referred commercial account belongs to Harper, so you earn a share of the commission but hold no ownership of the account and no servicing rights or obligations. We introduce ourselves to your client properly and keep you in the loop.
How fast does it move?
We take the account from the moment you forward it. How long the quote takes depends on the line and the insurer, and we will tell you where it stands. Once the coverage is bound, your share is paid 60 days after the account settles.
