At-Bay vs 
Corgi: How Do They Compare for Professional Liability (E&O) Insurance?
Expect a 1 to 14 day quote on Corgi's Miscellaneous E&O for service businesses; At-Bay's MPL, up to $5 million, is submitted by licensed insurance professionals through email or its Broker Platform.
At-Bay miscellaneous professional liability is submitted by licensed insurance professionals or quoted on At-Bay's Broker Platform. Corgi treats miscellaneous E&O as a specialty product with a 1-14 day quote, separate from instant-quote Tech & AI Liability and from named real-estate and lawyer E&O. 1,2,6,5
What Are the Key Differences Between At-Bay and Corgi Professional Liability (E&O) Insurance?
Who Can Start the Quote
A buyer cannot treat these two miscellaneous E&O paths as the same checkout. At-Bay markets MPL through At-Bay Insurance Services LLC and aims the product page at licensed insurance professionals submitting business, not at a retail self-serve form. Corgi lists miscellaneous E&O as a specialty coverage with a 1-14 day turnaround, kept apart from the instant-quote Tech & AI Liability product.
Corgi lists Miscellaneous E&O as a specialty coverage quoted with a 1-14 day turnaround, separate from its instant-quote Tech & AI Liability product and from its Real Estate E&O and Lawyer E&O products, which target specific professions. 6,5Company-reported. Homepage and startup-insurance page policy-card labeling as of 2026-09-23. No dedicated product page was found; direct URL guesses (/miscellaneous-errors-and-omissions, /misc-eo) returned 404s.
1When comparing At-Bay and Corgi, weigh the process most heavily when a contract deadline is driving the purchase or you want to limit back-and-forth.
What That Means for the Policy Shape
At-Bay publishes MPL as a named product with a claims-made-and-reported structure and a professional-services definition written for each insured, so the quote should spell out those terms before you compare price. Corgi describes miscellaneous E&O as broad professional liability for service businesses facing negligence or failure-to-perform claims, and it keeps that form distinct from named Tech, real-estate and lawyer E&O products. 1 5
How Binding Happens
At-Bay directs MPL submissions to underwriting by email or through automatic quotes on its Broker Platform, where a broker can create a quote, customize limits and retentions, and bind. Corgi's miscellaneous E&O stays outside the self-serve instant application used for core coverages, so timing and underwriting questions belong in that 1-14 day specialty process. 1 5
What Should You Confirm in At-Bay and Corgi Professional Liability (E&O) Insurance Quotes?
- Ask At-Bay whether the quote is claims-made-and-reported and how professional services are defined for your firm. 1
- Ask Corgi whether you are on miscellaneous E&O or a named profession product, and the expected quote window. 5
- Get the issuing insurer from both; neither reviewed page is a substitute for the binder. 1 5
At-Bay vs Corgi Professional Liability (E&O) Insurance Compared
At-Bay vs Corgi: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | At-Bay Miscellaneous Professional Liability (MPL) Insurance | Corgi Miscellaneous E&O |
|---|---|---|
| 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. | Corgi targets Miscellaneous E&O at service-based businesses generally, positioned as a catch-all for professional-liability exposure not covered by its technology-, real-estate-, or legal-specific E&O products. 6,5Company-reported. Catalog description; no industry, size, or state restrictions are published for this line. |
| 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. | Miscellaneous E&O sits outside Corgi's instant-quote flow; the site groups it with policies quoted in 1-14 days rather than through the self-serve online application used for its core coverages. 6,5Company-reported. Homepage and startup-insurance page policy-card labeling. |
| 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. | Corgi describes Miscellaneous E&O as broad professional liability coverage for service-based businesses facing claims of negligence, errors, or failure to perform professional services, distinct from its named Tech E&O, Real Estate E&O, and Lawyer E&O products. 6,5Company-reported. One-sentence catalog description; no policy form, insuring agreement, exclusion, or claims-made/occurrence trigger is published for this line. |
| 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. | Corgi lists Miscellaneous E&O as a specialty coverage quoted with a 1-14 day turnaround, separate from its instant-quote Tech & AI Liability product and from its Real Estate E&O and Lawyer E&O products, which target specific professions. 6,5Company-reported. Homepage and startup-insurance page policy-card labeling as of 2026-09-23. No dedicated product page was found; direct URL guesses (/miscellaneous-errors-and-omissions, /misc-eo) returned 404s. |
