Christina Harper was very quick and efficient in finding me the best quote for my home and auto!
BUSINESS INSURANCE BUILT FOR HARDWORKING ENTREPRENEURS
CALL NOW AND START PROTECTING YOUR BUSINESS TODAY
BUSINESS INSURANCE BUILT FOR ENTREPRENEURS
At Harper Agency, we help businesses and entrepreneurs protect cash flow, contracts, and people with coverage tailored to how you operate. We explain policies in plain language, compare multiple carriers, and set limits and deductibles based on your industry and budget. Coverage can include general liability, property or a Business Owner’s Policy (BOP), commercial auto, workers’ compensation, cyber, inland marine, umbrella, and Errors & Omissions (professional liability). Need proof for a client, landlord, or lender? We issue certificates quickly and keep renewals on track.
How We Get You Covered
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Discovery Call
Tell us about your business, locations, and what needs protection. We make sure your policy meets requirements from clients, landlords, or lenders. -
Clear Quote Comparison
We shop multiple insurers and present options side by side. You’ll see coverage amounts, inclusions and exclusions, deductibles, and total cost in plain language. -
Easy Setup & Ongoing Support
We handle the paperwork, activate your policy, and deliver certificates quickly. When you add employees, vehicles, or locations, we update your policy and review it at renewal to keep coverage strong and costs reasonable.
WHAT YOU CAN EXPECT
6 QUESTIONS TO ASK ABOUT BUSINESS INSURANCE
WHAT RISKS DOES MY POLICY ACTUALLY COVER?
Start with the basics you need, like general liability for injuries and property damage, and property coverage for your building or equipment. Ask if business interruption is included, since it can replace lost income after a covered shutdown. Clarify whether theft, water damage, and equipment breakdown are part of the package or separate add-ons. Get examples in plain language so you know what a real claim would look like.
WHAT LIMITS AND DEDUCTIBLES DO I NEED FOR MY CONTRACTS?
Many business contracts spell out minimum limits for general liability, auto, umbrella, and workers’ compensation, along with proof of insurance. Bring sample contracts or vendor requirements to your agent so your policy is built to pass reviews and avoid job delays. Choose deductibles you can comfortably pay from cash flow, and ask for a simple comparison at a few deductible levels. Confirm the certificate process, including response time and how additional insured, waiver of subrogation, and primary noncontributory wording will be handled. If you work by project, ask about a per project aggregate so one large claim does not reduce protection for your other jobs.
HOW WILL CLAIMS BE HANDLED AND HOW FAST?
Confirm how to report a claim, who your first call is, and what documents speed things up. Ask for typical timelines for inspections, estimates, approvals, and payment so you can plan around a disruption. Find out if there are preferred contractors or whether you can choose your own vendors. Request a short checklist to keep in your office or truck so you are ready if something happens.
ARE THERE EXCLUSIONS OR ENDORSEMENTS I SHOULD KNOW ABOUT?
Every policy has limits and carve outs, and they matter when something goes wrong. Have your agent point out major exclusions in plain language, such as subcontractor liability, employee injury, or damage to your own work. Review endorsements that fill common gaps, including additional insured, waiver of subrogation, and primary and noncontributory wording if your contracts require them. Make sure those endorsements appear on your certificates before work begins.
HOW SHOULD I VALUE MY PROPERTY, STOCK, AND EQUIPMENT?
Decide whether you want replacement cost or actual cash value, since that choice changes how claims are paid. Inventory can swing during busy seasons, so ask about peak season or agreed value options that prevent underinsurance. Talk through coinsurance requirements and how to set limits to avoid penalties after a loss. Include business income and extra expense so you can cover payroll and keep operating while repairs are made.
HOW ARE PREMIUMS SET AND WHAT COULD CHANGE MY PRICE?
Carriers consider revenue, payroll, location, claims history, vehicles, and safety practices. Share accurate numbers because many policies are audited and estimates can be adjusted later. Ask which risk controls help most, such as driver training, written contracts with subs, or alarm systems, and what discounts are available. Review these inputs at renewal so your price reflects how you operate today.
WHAT OUR CLIENTS ARE SAYING
Happy to com back to Farmers and people like Gisselle are the reason! She was just amazing and patient to get me through the process which took a few days!
Christina has been such a huge help! I’m grateful for all that I’ve learned from everyone in her great office and for the help getting all my insurance needs taken care of! I highly recommend her if you are looking for insurance for home, auto or your life insurance!
Christina was able to find every discount she could for me to get full coverage again after the rates doubled last year, I was so happy to have full coverage on my car again and it’s all thanks to Christina, she is a consummate professional, and just a real kind person on top of that.
I couldn’t be more pleased with The Harper Agency’s exceptional attentiveness and helpfulness. Christina’s dedication to addressing my concerns promptly and providing clear, thorough assistance has made my experience truly five-star. I highly recommend their services to anyone seeking reliable and customer-focused insurance support!
The people here are always really nice and friendly, kind of like an extended family. They are so easy to do business with.
OUR AWARDS AND HONORS
