---
title: "At-Bay vs Coalition Professional Liability (E&O) Insurance"
description: "At-Bay sells MPL as a standalone product with a $5 million ceiling; Coalition sells MPL only as an add-on to Active Cyber."
canonical: "https://spot.insure/compare/at-bay-vs-coalition/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/at-bay-vs-coalition/professional-errors-omissions)

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

At-Bay sells MPL as a standalone product with a $5 million ceiling; Coalition sells MPL only as an add-on to Active Cyber.

## Research Scope and Use

Use this comparison to evaluate At-Bay and Coalition for Professional Liability (E&O) Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

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. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [11](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability")

## What Is At-Bay Insurance?

At-Bay offers Cyber, Tech E&O, and miscellaneous professional liability insurance through its disclosed insurance agency and surplus lines broker. Its Stance security services have policy eligibility conditions, with managed detection and response sold separately. [1](https://www.at-bay.com/insurance/ "Cyber, Tech E&O & Professional Liability Insurance") [2](https://www.at-bay.com/stance/ "At-Bay Stance")

[At-Bay profile](https://spot.insure/insurance-providers/at-bay)

## What Is Coalition Insurance?

Coalition offers cyber insurance and technology E&O alongside cyber risk-management services. Its U.S. products are distributed through insurance producers, with separate admitted and surplus-lines routes and an executive-risk product suite. [7](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [8](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation") [9](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-Are-there-any-differences-between-Coalition-s-admitted-and-surplus-lines-products "Are there any differences between Coalition’s admitted and surplus lines products?") [10](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks")

[Coalition profile](https://spot.insure/insurance-providers/coalition)

## What Is Professional Errors and Omissions (E&O) Insurance?

Professional errors and omissions (E&O) insurance, also called professional liability insurance, addresses claims that professional services or advice caused a client financial loss. What's covered depends on the services actually scheduled in the policy, not the product label alone. [13](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [14](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [15](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [16](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance")

## Key Differences in 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. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") 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. [11](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability")

### 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. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") 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. [11](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability") (Evidence: Company-reported; scope: 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. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite")

### 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. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") 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. [12](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")

## What to Confirm in Professional Liability (E&O) Insurance Quotes

- Ask whether you need an Active Cyber Insurance policy first before Coalition will quote MPL. [11](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability")
- Ask At-Bay for the current MPL issuing insurer, since the product page does not name one. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite")
- Ask Coalition which non-admitted insurer would actually issue the MPL add-on for your state. [12](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers")
- Confirm At-Bay's advertised $5 million limit ceiling and any state restrictions that apply to your business. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite")
- Ask each company whether MPL claims are handled by a dedicated professional-liability team or folded into general or cyber claims handling. [11](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability")

## Offering Details

| Criteria | At-Bay Miscellaneous Professional Liability (MPL) Insurance | Coalition Miscellaneous Professional Liability (MPL) |
| --- | --- | --- |
| 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. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [4](https://www.at-bay.com/licenses/ "Licenses") (Evidence: Company-reported; scope: 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. [11](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability") (Evidence: Company-reported; scope: Miscellaneous Professional Liability product page as read on 2026-09-23..) |
| Issuing Insurer | 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](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [5](https://www.at-bay.com/press_releases/at-bay-doubles-mpl/ "At-Bay Doubles Miscellaneous Professional Liability Appetite") (Evidence: Not found in reviewed sources; scope: 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. [12](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") (Evidence: Not publicly disclosed; scope: U.S. Disclaimers page as read on 2026-09-23; the buyer's declarations page names the actual issuing insurer..) |
| 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. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Company-reported; scope: 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. [11](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability") (Evidence: Company-reported; scope: 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. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Company-reported; scope: 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. [11](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability") (Evidence: Company-reported; scope: Miscellaneous Professional Liability product page as read on 2026-09-23; the issued policy controls actual terms..) |
| Limits and Retentions | At-Bay publishes an MPL limit ceiling of up to $5 million, with state restrictions that are not detailed on the product page itself. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Company-reported; scope: Current appetite paragraph; this is an advertised ceiling, not a guaranteed available limit for any specific applicant..) | Not described in the reviewed sources. |
| 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. [3](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [6](https://www.at-bay.com/brokers/platform/ "Broker Platform") (Evidence: Company-reported; scope: 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. [11](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability") (Evidence: Company-reported; scope: Miscellaneous Professional Liability product page as read on 2026-09-23..) |
| Claims Support | 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. [11](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability") (Evidence: Company-reported; scope: Miscellaneous Professional Liability product page as read on 2026-09-23; speed and efficiency descriptions are company-reported and not independently verified..) |

## Full Comparison

- [At-Bay vs Coalition](https://spot.insure/compare/at-bay-vs-coalition): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional E&O insurance addresses claims that a mistake in your advice or services caused a client financial loss.
- [At-Bay vs Coalition Cyber Insurance](https://spot.insure/compare/at-bay-vs-coalition/cyber)
- [At-Bay vs Coalition Tech E&O Insurance](https://spot.insure/compare/at-bay-vs-coalition/technology-errors-omissions)
- [Alliance Risk vs At-Bay Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-at-bay/professional-errors-omissions)
- [Alliance Risk vs Coalition Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/professional-errors-omissions)
- [At-Bay vs Beazley Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-beazley/professional-errors-omissions)
- [At-Bay vs CFC Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-cfc/professional-errors-omissions)
- [At-Bay vs Chubb Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-chubb/professional-errors-omissions)
- [At-Bay vs Corgi Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-corgi/professional-errors-omissions)

## Sources

### At-Bay

1. [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/). At-Bay; Product cards and agency disclosure. Accessed 2026-09-16.
2. [At-Bay Stance](https://www.at-bay.com/stance/). At-Bay; Real Protection Against Real Threats; Endpoint, Email, MXDR; footnotes 1 and 3–6. Accessed 2026-09-16.
3. [MPL Insurance: Coverage Highlights & Appetite](https://www.at-bay.com/insurance/mpl/). At-Bay; MPL Coverage Highlights list; MPL Appetite paragraph; Send us your submissions; "material on this page is intended for use solely by properly licensed insurance professionals". Accessed 2026-09-23.
4. [Licenses](https://www.at-bay.com/licenses/). At-Bay; Producer introduction; agency and surplus-lines footer naming At-Bay Insurance Services LLC. Accessed 2026-09-16.
5. [At-Bay Doubles Miscellaneous Professional Liability Appetite](https://www.at-bay.com/press_releases/at-bay-doubles-mpl/). At-Bay; September 28, 2023 release: final paragraph before Media Contacts. Accessed 2026-09-16.
6. [Broker Platform](https://www.at-bay.com/brokers/platform/). At-Bay; How it works: Create a quote, Customize your quote, Bind your policy, Manage renewals; FAQs. Accessed 2026-09-16.

### Coalition

7. [Tech E&O Insurance Coverage](https://www.coalitioninc.com/technology-errors-and-omissions-insurance). Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16.
8. [U.S. Producer Compensation](https://www.coalitioninc.com/legal/producer-compensation). Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
9. [Are there any differences between Coalition’s admitted and surplus lines products?](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-Are-there-any-differences-between-Coalition-s-admitted-and-surplus-lines-products). Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
10. [Executive Risks](https://www.coalitioninc.com/executive-risks-insurance). Coalition; FAQ: What type of businesses do you protect?, What limits do you offer? and What resources do you have for policyholders?; Product Offering: D&O, EPL, fiduciary, crime. Accessed 2026-09-16.
11. [Miscellaneous Professional Liability](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance). Coalition; Why Miscellaneous Professional Liability?; MPL Advantage; What does MPL cover?; What types of claims does MPL protect against?; What types of businesses could benefit from MPL?; Why does 'Duty to Defend' coverage matter?. Accessed 2026-09-23.
12. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted Executive Risk (names Zurich American Insurance Company, NAIC 16535); no 'Admitted MPL' or 'Admitted Tech E&O' section appears on the page. Accessed 2026-09-23.

### Professional Liability (E&O) Insurance Guide

13. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
14. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
15. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
16. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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