Coterie Insurance vs Harper
Which Insurance AI tool is better in 2026?
Coterie Insurance
Coterie is a digital small-business insurance platform that uses AI-driven underwriting to
Harper
AI-native commercial insurance brokerage for SMBs
Side-by-side
Harper is the more established option (raised $46.8M); pricing is comparable on both sides.
| Metric | Coterie Insurance | Harper |
|---|---|---|
| Taglinei | Coterie is a digital small-business insurance platform that uses AI-driven underwriting to | AI-native commercial insurance brokerage for SMBs |
| Foundedi | — | 2024🏆 |
| HQi | — | New York, US |
| Employeesi | 11-50 | 11-50🏆 |
| Neuron scorei | 43 | 55🏆 |
| Total fundingi | $27M | $46.8M🏆 |
| Latest roundi | Growth | Series A |
| Valuationi | — | — |
| Cheapest paid plani | Pricing not disclosed | Pricing not disclosed |
| Free plani | ✓ | ✓ |
| Free triali | ✓ | ✓ |
| Top tier pricei | Pricing not disclosed | Pricing not disclosed |
| Pricing summaryi | Free | Free |
| Categoriesi |
Capability matrix
Developer-facing capabilities and access signals for Coterie Insurance and Harper.
| Capability | Coterie Insurance | Harper |
|---|---|---|
| MCP support | ✗ | ✗ |
| Public API | ✗ | ✗ |
| Webhooks | ✗ | ✗ |
| OAuth 2.0 | ✗ | ✗ |
| SDK languages | — | — |
| Free plan | ✓ | ✓ |
| Free trial | ✓ | ✓ |
| Verified | ✗ | ✗ |
| Active deal | ✗ | ✗ |
🟢 Strengths of Coterie Insurance
- Strong in AI Insurance
🔵 Strengths of Harper
- Has raised more capital ($46.8M vs $27M)
- Higher Neuron score (55 vs 43)
- Newer company (2024)
Which should you choose?
Choose Harper if price matters most — it starts at Free, which is friendlier for teams watching burn. Both AI Insurance tools ship core features, so the cost delta often decides it for small teams and solo operators.
Choose Harper if you want the most established option — it has raised $46.8M, suggesting more runway for enterprise features, support, and long-term roadmap. For mission-critical workflows or larger teams, that stability often outweighs a lower monthly price.
Frequently asked questions
Coterie Insurance vs Harper — which is better?
It depends on your priority. Coterie Insurance is the leaner option; Harper has broader feature depth. See the side-by-side table above.
Is Coterie Insurance cheaper than Harper?
No — Harper's cheapest paid plan is Free, while Coterie Insurance's is Free.
Do Coterie Insurance and Harper offer free plans?
Coterie Insurance: Yes, has a free plan. Harper: Yes, has a free plan.
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