At-Bay vs Coalition: How Do They Compare for Professional Liability (E&O) Insurance?

Coalition's MPL is an add-on to an Active Cyber quote through appointed brokers; At-Bay markets its own primary MPL for businesses of all revenue sizes, with limits up to $5 million, subject to state restrictions.

At-Bay markets Miscellaneous Professional Liability as its own named product with limits up to $5 million. Coalition sells MPL only as an addition to an Active Cyber Insurance quote, saying it takes a few extra questions to add. ^1,⁵

What Are the Key Differences Between At-Bay and Coalition Professional Liability (E&O) Insurance?

Standalone Product Versus a Cyber Add-On

At-Bay names Miscellaneous Professional Liability (MPL) as one of its own insurance products, with a dedicated appetite and limit range independent of any other line. ¹ Coalition designs and distributes MPL only as an add-on that combines with certain Active Cyber Insurance policies, not as a policy a buyer can purchase on its own. ⁵

When comparing At-Bay and Coalition, the more specific product menu can make fit easier to judge before you request a quote.

How Each Reaches a Buyer

At-Bay directs MPL submissions to underwriting by email or through its Broker Platform, a workflow aimed at licensed insurance professionals placing business. ¹ ⁴ Coalition describes a different path to the same product:

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. ⁵Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23.

At-Bay's producer submission and Coalition's cyber-quote add-on are two different doors into the same coverage, and a buyer weighing the two would ask each company what happens if it does not already hold the companion product the other route assumes. ¹

What the Insurer Disclosures Show

At-Bay's own product page does not name the insurer that currently issues MPL, leaving that unresolved for a new quote. ¹ Coalition's disclosure page has named sections for admitted cyber, non-admitted cyber, and admitted executive risk, but no equivalent admitted-MPL section, suggesting the line is placed on a non-admitted basis with insurers the disclaimer does not name. ⁶

What Should You Confirm in At-Bay and Coalition Professional Liability (E&O) Insurance Quotes?

Ask whether you need an Active Cyber Insurance policy first before Coalition will quote MPL. ⁵
Ask At-Bay for the current MPL issuing insurer, since the product page does not name one. ¹
Ask Coalition which non-admitted insurer would actually issue the MPL add-on for your state. ⁶
Confirm At-Bay's advertised $5 million limit ceiling and any state restrictions that apply to your business. ¹
Ask each company whether MPL claims are handled by a dedicated professional-liability team or folded into general or cyber claims handling. ⁵

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

At-Bay vs Coalition: Professional Liability (E&O) Insurance: documented features by provider

Criteria	At-Bay Miscellaneous Professional Liability (MPL) Insurance	Coalition Miscellaneous Professional Liability (MPL)
Who It’s For	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. ¹Company-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. ⁵Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23.
How to Apply	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. ^1,⁴Company-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. ⁵Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23.
Coverage Features	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. ¹Company-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. ⁵Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23; the issued policy controls actual terms.
Role in This Line	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. ^1,²Company-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. ⁵Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23.