Harper vs Tractable
Which Insurance AI tool is better in 2026?
Harper
AI-native commercial insurance brokerage for SMBs
Tractable
Computer-vision AI for insurance damage appraisal
Side-by-side
Tractable is the more established option (raised $185M); pricing is comparable on both sides.
| Metric | Harper | Tractable |
|---|---|---|
| Taglinei | AI-native commercial insurance brokerage for SMBs | Computer-vision AI for insurance damage appraisal |
| Foundedi | 2024 | 2014🏆 |
| HQi | New York, US | London, United Kingdom |
| Employeesi | 11-50🏆 | — |
| Neuron scorei | 55 | 75🏆 |
| Total fundingi | $46.8M | $185M🏆 |
| Latest roundi | Series A | Series E · Jul 2023 |
| Valuationi | — | $1B🏆 |
| 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 | Custom |
| Categoriesi |
Capability matrix
Developer-facing capabilities and access signals for Harper and Tractable.
| Capability | Harper | Tractable |
|---|---|---|
| MCP support | ✗ | ✗ |
| Public API | ✗ | ✓ |
| Webhooks | ✗ | ✗ |
| OAuth 2.0 | ✗ | ✗ |
| SDK languages | — | — |
| Free plan | ✓ | ✗ |
| Free trial | ✓ | ✗ |
| Verified | ✗ | ✗ |
| Active deal | ✗ | ✗ |
🟢 Strengths of Harper
- Offers a free plan
- Offers a free trial
- Newer company (2024)
🔵 Strengths of Tractable
- Has raised more capital ($185M vs $46.8M)
- Higher Neuron score (75 vs 55)
- More mature (2014)
Which should you choose?
Choose Tractable if price matters most — it starts at Custom, 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 Tractable if you want the most established option — it has raised $185M, 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 Tractable — which is better?
It depends on your priority. Harper is the leaner option; Tractable has broader feature depth. See the side-by-side table above.
Is Harper cheaper than Tractable?
No — Tractable's cheapest paid plan is Custom, while Harper's is Free.
Do Harper and Tractable offer free plans?
Harper: Yes, has a free plan. Tractable: Paid only.
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