At-Bay vs Coalition Professional Liability (E&O) Insurance

At-Bay markets MPL as one of its own named insurance products, sold through its disclosed producer, At-Bay Insurance Services LLC, with the product page directed at "properly licensed insurance professionals" submitting business rather than at direct retail buyers. ^3,4Company-reported. Current MPL product page and license disclosures; this describes the distribution channel, not who bears the underwriting risk.

Coalition designs and distributes MPL as an add-on coverage that combines with certain Active Cyber Insurance policies, sold through appointed brokers. ¹¹Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23.

The current MPL product page does not name the insurer that issues the policy. A September 2023 press release named United Specialty Company in connection with MPL, but that historical reference does not establish the current issuing insurer for a new MPL quote. ^3,5Not found in reviewed sources. Reviewed MPL page as of 2026-09-23 and the September 2023 press release; restates the existing provider fact that MPL's current issuer is unresolved, distinct from the August 2023 Cyber/Tech E&O transition to At-Bay Specialty Insurance Company paper.

Coalition's disclaimer page has named sections for admitted cyber, non-admitted cyber, and admitted executive risk, but no equivalent 'Admitted MPL' section, indicating MPL is placed on a non-admitted (surplus lines) basis with unaffiliated insurers the disclaimer does not name. ¹²Not publicly disclosed. U.S. Disclaimers page as read on 2026-09-23; the buyer's declarations page names the actual issuing insurer.

At-Bay says it provides primary MPL for businesses of all revenue sizes with limits up to $5 million, subject to state restrictions and eligibility requirements detailed in a separate MPL appetite guide. ³Company-reported. Current MPL appetite paragraph; the linked appetite guide's specific eligibility requirements were not independently opened for this record.

Coalition markets MPL to any business that performs professional services, naming examples such as consultants, marketing and PR firms, staffing firms, printers, interior decorators, photographers and videographers, and property managers. ¹¹Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23.

At-Bay lists MPL coverage highlights including automatic coverage for acquired subsidiaries, claims-made-and-reported coverage, coverage for independent contractors, disciplinary-proceedings defense, a duty-to-defend contract, personal-injury coverage (including emotional distress), punitive damages where insurable, a professional-services definition written for each insured, and an 80/20 hammer clause. ³Company-reported. Product-page coverage-highlights list; an 80/20 hammer clause is a settlement provision where the insurer pays 80% and the insured pays 20% of costs after the insured declines a recommended settlement. The issued policy and declarations control actual wording, limits and exclusions.

Coalition says MPL covers defense costs, settlements, judgments, and other expenses from claims of errors and omissions in professional services, including negligence, failure to provide service, and misstatements about the service performed, on a duty-to-defend basis even when the business is not ultimately at fault. ¹¹Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23; the issued policy controls actual terms.

At-Bay publishes an MPL limit ceiling of up to $5 million, with state restrictions that are not detailed on the product page itself. ³Company-reported. Current appetite paragraph; this is an advertised ceiling, not a guaranteed available limit for any specific applicant.

Not described in the reviewed sources.

At-Bay directs MPL submissions to underwriting by email or through automatic quotes on its Broker Platform, which At-Bay describes as a workflow of creating a quote, customizing limits and retentions, and binding the policy. ^3,6Company-reported. Current submission instructions and the general broker-platform workflow description; MPL-specific automation details were not separately confirmed.

Coalition sells MPL only as an addition to an Active Cyber Insurance quote, saying it takes just a few extra questions to add, rather than as a stand-alone policy. ¹¹Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23.

Not described in the reviewed sources.

Coalition says its in-house claims team manages both MPL and cyber claims in one place, which it describes as a smoother, more coordinated process for the policyholder. ¹¹Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23; speed and efficiency descriptions are company-reported and not independently verified.