Our Mission

HARP strives to provide agents and brokers access to preeminent carriers by developing diversified programs platforms. We work exclusively with agency partners that specialize in niche market segments. Our approach is to be very selective in developing innovative, unique, competitively priced products and services for these market segments. We have quickly distinguished ourselves and built a reputation for having tremendous intellectual capital, underwriting insight and customer service that exceeds our clients’ expectations.

Our Programs

HARP one
HARP One is designed for:


HARP two
HARP Two is designed for:

Residential / Commercial

Planned Unit Developments


Homeowners Associations

Office / Mercantile

Shopping Centers

HARP one
HARP two
HARP One is designed for:


Residential /

Planned Unit


HARP Two is designed for:


Office /

Shopping Centers

Other Programs

Community Associations Directors & Officers and Employment Practices Liability

In community associations nationwide, board members’ personal assets are at risk for decisions they make while administering by-laws. Insuring these boards can be tough in today’s market, as claims escalate and insurance premiums increase. It’s more important than ever to make sure you are offering the best insurance solution to your clients. The HARP Inc. programs offers competitive pricing and board coverage for most types of community associations, including:

• Defense outside the limit
• Defense Costs Coverage for Breach of Contract claims
• Coverage for Non-monetary claims
• Automatic Coverage for the Property Management Company

Employment Practices Liability (Hospitality):

Employee-related lawsuits have reached record numbers. Our Employment Practices Liability Advantage is specifically designed to provide businesses like yours in the hospitality industry with the protection they need today.

Read More »

Community Association Cyber Liability:

Community Associations that have a website, uses social media and/or store personal/payment information can be a target. We have your Cyber Liability needs covered with various limit options, competitive pricing and extensive cyber services!

• Multiple limits option from $25k – $5m
• Loss Mitigation Services – Access to tools needed to address cyber security risk before an event occurs
• Incident Response Services – A team of experts in the legal, computer forensics, call center, public relations, fraud consultation, credit monitoring and identity restoration service areas to help limit exposure to a loss when an event occurs.
• Third-Party Liability Coverage
• Cyber Crimes (By endorsement) for Social Engineering Fraud
• Property Management Company covered as an Additional Insured (By endorsement)

Community Associations Workers Compensation

What is a Risk Purchasing Group?

A risk purchasing group (RPG) is a collection of unrelated but homogeneous risks that buy liability insurance as a collective. By banding together, the RPG is afforded the same economic buying power as individual large risks so that is can use economies of scale to buy insurance coverage with favorable terms.

Backed by leaders in the insurance industry.

Trivedi-Capacity Associates

Trivedi-Capacity Associates, LLC is a provider of specialty programs focused on commercial risks, particularly in the hotel and Community Association space. With over 40 years of experience, the Trivedi management team provides expertise, simplicity and efficiency to a significant base of independent brokers and agents nationally.

JenCap Holdings

JenCap Holdings, LLC, a portfolio company of The Carlyle Group, is a consolidator of specialty insurance distribution and program management businesses, including managing general agencies, specialty program underwriters, transactional wholesale brokers and captive managers.

Not a Member?

If your agency isn't yet registered, please fill out our brief online registration form.

Need to Talk?

One of our contacts will be glad to answer your questions.

HARP is a risk purchasing group formed pursuant to the Risk Retention Act of 1986 (15 U.S.C. 3901 et. Seq.) ("ACT") in order to permit a group of individuals who share common or similar liability exposure to join together to purchase liability insurance on a group basis. Each member shall receive its own limit of insurance, limits are not shared with other members. The RPG places insurance with financially stable insurance companies who have a commitment to the real estate/hospitality industry.
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