Harper vs Liberate
Which Agents AI tool is better in 2026?
Harper
AI-native commercial insurance brokerage for SMBs
Liberate
Reasoning AI agents that automate insurance sales, service and claims
Side-by-side
Liberate is the more established option (raised $72M); pricing is comparable on both sides.
| Metric | Harper | Liberate |
|---|---|---|
| Taglinei | AI-native commercial insurance brokerage for SMBs | Reasoning AI agents that automate insurance sales, service and claims |
| Foundedi | 2024 | 2022🏆 |
| HQi | New York, US | San Francisco, US |
| Employeesi | 11-50 | 51-200🏆 |
| Neuron scorei | 68 | 72🏆 |
| Total fundingi | $46.8M | $72M🏆 |
| Latest roundi | Series A | Series B · Oct 2025 |
| Valuationi | — | $300M🏆 |
| 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 trial |
| Categoriesi |
Capability matrix
Developer-facing capabilities and access signals for Harper and Liberate.
| Capability | Harper | Liberate |
|---|---|---|
| MCP support | ✗ | ✗ |
| Public API | ✗ | ✓ |
| Webhooks | ✗ | ✗ |
| OAuth 2.0 | ✗ | ✗ |
| SDK languages | — | — |
| Free plan | ✓ | ✗ |
| Free trial | ✓ | ✓ |
| Verified | ✗ | ✗ |
| Active deal | ✗ | ✗ |
🟢 Strengths of Harper
- Offers a free plan
- Newer company (2024)
🔵 Strengths of Liberate
- Has raised more capital ($72M vs $46.8M)
- Higher Neuron score (72 vs 68)
- More mature (2022)
Which should you choose?
Choose Liberate if price matters most — it starts at Free trial, which is friendlier for teams watching burn. Both AI Agents tools ship core features, so the cost delta often decides it for small teams and solo operators.
Choose Liberate if you want the most established option — it has raised $72M, 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
Harper vs Liberate — which is better?
It depends on your priority. Harper is the leaner option; Liberate has broader feature depth. See the side-by-side table above.
Is Harper cheaper than Liberate?
No — Liberate's cheapest paid plan is Free trial, while Harper's is Free.
Do Harper and Liberate offer free plans?
Harper: Yes, has a free plan. Liberate: Free trial only.
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