Terms of use

The Service reads uploaded certificates of insurance and related documents using automated methods, including artificial intelligence, extracts the information it can find, and compares that information against the requirement profile your organization selects. It reports what it found, what appears to fall short, and what it could not verify, together with the evidence it relied on.

The Service is an automated review tool and it can make mistakes. Extracted values and check results may be inaccurate, incomplete, or out of date, especially for low-quality scans, handwritten content, unusual layouts, or non-standard forms. You are solely responsible for evaluating and verifying every result against the source certificate and the underlying policy documents before relying on it.

Where the Service is not confident, it says so (for example “unable to verify” or “potential deficiency”), but a confident-looking result is still an automated read of a document, not a verified fact.

Results are informational only. They are not legal, insurance, financial, or other professional advice, and they are not a determination that any party is or is not in compliance with a contract, law, or insurance requirement. No result is a binding determination that coverage exists, is adequate, or will respond to any claim.

Do not make consequential decisions (such as hiring, firing, paying, or admitting a vendor to a site, or accepting or rejecting coverage) based solely on the Service’s output. For decisions that depend on insurance coverage, consult a licensed insurance professional and review the actual policy and endorsements. Use of the Service does not create a broker-client, advisory, or fiduciary relationship with Harper.

Independent of anything the Service does, a certificate of insurance is a summary document with well-known legal limitations:

• A certificate of insurance is provided for informational purposes only. It confers no rights on the holder and does not amend, extend, or alter the coverage afforded by the policies listed.
• Coverage is governed by the actual policy and its endorsements; automated review of a certificate cannot confirm policy terms.
• A checked box or wording on a certificate shows what the certificate preparer entered; it does not establish that an endorsement is actually attached to the policy.
• A certificate reflects information as of its issue date. A policy may be cancelled or changed after issuance, and that change may not appear on a previously issued certificate.
• Automated results may be incomplete or incorrect and may require supporting documents (policy forms, endorsements) or review by a licensed professional.
• “No obvious deficiency detected” is not a compliance determination, a warranty, a legal opinion, or a guarantee that coverage exists or will respond to any claim.

• Only upload documents you have the right to share, and only use the Service for lawful business purposes.
• Keep your requirement profiles accurate. The Service checks against what you configure; it does not know what your contracts actually require.
• Verify results against source documents before acting on them, and obtain endorsements or policy documents where a certificate alone cannot prove an item.
• Keep your account credentials secure and your account information current.

The Service is provided “as is” and “as available”, without warranties of any kind, express or implied, including warranties of accuracy, completeness, merchantability, fitness for a particular purpose, and non-infringement. Harper does not warrant that the Service will be uninterrupted, error-free, or that results will be accurate or reliable.

To the maximum extent permitted by law, Harper and its affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, or business opportunity, arising from or related to your use of the Service or reliance on any result, even if advised of the possibility. To the maximum extent permitted by law, Harper’s total liability for all claims relating to the Service will not exceed one hundred US dollars ($100), reflecting that the Service is provided free of charge.

Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

Harper is a licensed commercial insurance brokerage. Insurance products and placement services are offered separately from the Service, are entirely optional, and are never a condition of using the Service. A vendor is contacted about coverage only through the consent flow in the vendor portal.

Documents you upload are used to provide the Service to your organization: extraction, checking, and the audit trail your organization sees. Handling of personal information is described in the Harper privacy policy.

We may update the Service and these terms; material changes will be reflected on this page with a new effective date, and continued use after a change constitutes acceptance. Questions? Email service@harperinsure.com.