Turn the commercial clients you can't write into income.
Send us the commercial business you can't place and keep 50% of the commission on everything we bind. A real partnership — not a lead sale.
A dead end becomes a payday.
For small personal & auto brokerages: send us the commercial walk-ins you can't serve. When Harper writes and binds the business, you earn a share of the commission — backed by the brokerage that actually places the coverage.
Forward the client you can't write
A commercial walk-in you can't place? Forward the email. That's the whole ask — no portals, no paperwork, no new workflow.
Harper writes and binds it
We quote, place, and service across every commercial line — GL, property, workers' comp, commercial auto, and more. White-glove placement; your client is in expert hands, start to finish.
You get paid when we bind
Once Harper binds the coverage, you earn 50% of the commission — tracked per referral and paid 60 days after the account settles. A check for business you were turning away.
Keep 50%. Send nothing but a forward.
Small brokerages lose face telling a commercial client “we can't help you” — with nowhere good to send them. Harper Partners turns those dead ends into income: forward the account, we place and service it, and you earn a share of the commission on everything we bind.
- Keep 50% of the commission on business we bind
- Every commercial line, not just hard-to-place risks
- A proper handoff — we introduce ourselves to your client and keep you in the loop
- You never service the account — Harper handles it end to end
- Paid 60 days after the account settles
Bond Insurance Group
SamplePlaced and serviced by Harper
Illustrative only. Actual commission varies by line, premium, and carrier, and is paid after the account settles.
FAQs
- Do I need a commercial license?
- Yes. This program is open to licensed agents only — and you must be licensed in the state where the business is being written. Commission can only be shared with an appropriately licensed partner.
- Which commercial lines can I send?
- All of them. General liability, property, workers' comp, commercial auto, BOPs, professional and management liability — every commercial line, not just the hard-to-place risks. If a walk-in needs commercial coverage you don't write, forward it.
- Do I have to service the account?
- No. Once you forward the client, Harper takes it from there — quoting, binding, servicing, renewals, and claims. There's no portal to learn and no ongoing work on your end.
- Who owns the account?
- Harper does. Referred commercial accounts belong to Harper. You earn a share of the commission, but you do not own the account or the book of business, and you hold no servicing rights or obligations over it.
- How and when do I get paid?
- You earn 50% of the commission on business Harper binds from your referral, tracked per partner. Payouts are made 60 days after the account settles. Commission is earned only while a policy stays in force — if an account cancels or goes unpaid, the corresponding commission is reconciled and charged back.
- What does it cost to join?
- Nothing. There's no fee to join — you don't pay us anything. You earn only when Harper binds business from a client you forwarded.
The terms, in plain English.
- Licensed agents only. You must be a licensed insurance agent — and licensed in the state where the business is written — to participate and share commission.
- You don't service the account. You forward the client and you're done. Harper handles quoting, binding, servicing, renewals, and claims.
- Harper owns the account. Referred commercial accounts and the book of business belong to Harper. Partners earn a commission share only, and have no ownership rights or claim to any referred account.
- How you're paid. You earn 50% of Harper's commission on business we bind, paid 60 days after the account settles.
- Clawbacks. Commission is earned only while a policy stays in force. If an account cancels or goes unpaid, the corresponding commission is reconciled and charged back.
Stop losing clients you were never going to keep.
Join Harper Partners and turn the commercial business you can't write into steady income on the business we bind. It takes two minutes to start.
We're onboarding new partner agencies now. Open to licensed agents only — you must be licensed in the state where the business is written. Referred accounts are owned and serviced by Harper.