# Harper

**Canonical:** https://apis.io/providers/harper/  
**Website:** https://www.harperinsure.com  
**APIs profiled:** 0

Harper is an AI-native commercial insurance brokerage founded in 2024 and headquartered in San Francisco. Harper pairs licensed insurance experts with a proprietary AI tech stack that automates core brokerage workflows — reading applications, routing submissions, following up with underwriters, and managing client communications — to place excess & surplus (E&S) and specialty commercial coverage across industries from trucking and construction to technology, CPG, and professional services. Businesses can get bound coverage in 24-48 hours rather than weeks. The company is backed by Emergence Capital and Y Combinator and raised a $47M Series A and seed round in early 2026. Harper does not currently publish a public developer API; this profile tracks the company's identity and public web surface for the API Evangelist network.

## Kin Score — 8.4 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 8.4).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 2.4 |
| Commercial Clarity | 23.7 |
| Access Clarity | 23.7 |

Regulatory layer — **Insurance**: 15.2 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Harper Domain Security** — TLSv1.3 · DMARC

## Tags

Company, Insurance Tech, Insurance, Insurtech, Commercial Insurance, Insurance Brokerage, Business Insurance, Artificial Intelligence

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/harper/). Scores are computed from the provider's own public artifacts under a published rubric.