Overview
Harper automates commercial insurance brokerage for small and mid-sized businesses. It connects customers to more than 160 carriers for workers’ compensation and general and professional liability, helping businesses compare and secure coverage. The product works with almost fully autonomous licensed agency workflows, including submission routing, underwriter follow-ups, document collection, and pipeline management, with AI handling routine tasks to shorten broker cycles from days to roughly one to two days and to handle more customers each month. Harper differentiates itself through high automation and scale, enabling a much larger volume of policy work than traditional broker teams, backed by a YC-affiliated, multi-venture funding approach. The company’s goal is to streamline and grow commercial insurance access for SMBs by routing complex workflows through AI-powered processes while expanding engineering and brand presence.
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Simplify's take
What believers are saying
- Harper raised $46.8 million on February 26, 2026, led by Emergence Capital.
- Harper says it has served 5,000-plus businesses and handles over 1,000 monthly.
- Updated November 7, 2026, Harper claims 63% shorter call time and infinitely scaled onboarding.
What critics are saying
- BBB listed two complaints in 2026, including a delayed general-liability certificate.
- No customer review moat exists; Harper still lacks Trustpilot traction entering its first renewal season.
- Large incumbents like Hub International and Marsh can outspend Harper on carrier access and service.
What makes Harper unique
- Harper automates submission routing, underwriting follow-ups, and document collection across 165-plus carriers.
- Dakotah Rice says Harper delivers 24-48 hour quotes versus five-to-seven-day broker cycles.
- Harper targets middle America businesses like daycares, fleets, car dealerships, bars, and restaurants.
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