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

Pie names specific triggers it does not cover, like criminal prosecution; At-Bay's MPL page lists what its coverage includes instead.

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. ^1,²

Read the At-Bay profile

What Is Pie Insurance?

Pie Insurance sells and administers small-business commercial insurance, with affiliated carriers writing its workers’ compensation program and outside carrier partners supporting selected other products. Businesses can start a workers’ compensation quote online or use an agent, then manage documents, certificates, billing, audits and claim reporting through Pie’s service channels. ^7,^8,⁹

Read the Pie Insurance profile

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. ^11,^12,^13,¹⁴

Read the full coverage guide

Key Differences in Professional Liability (E&O) Insurance

A Stated Limit on What's Covered Versus a List of Inclusions

Pie's errors and omissions page names what the policy covers — inaccurate advice, misrepresentation, negligence, and violation of good faith — and adds directly that it does not protect against criminal prosecution. ¹⁰ At-Bay's MPL page instead builds out a list of specific inclusions: automatic coverage for acquired subsidiaries, independent-contractor coverage, and an 80/20 hammer clause, without a comparable statement of what falls outside the policy. ³

Carrier Partners Versus a Producer Relationship

Pie says it helps small businesses get errors and omissions coverage "from our insurance carrier partners," identifying itself as an intermediary for this line. ¹⁰ At-Bay names MPL as one of its own products, distributed through its disclosed producer, At-Bay Insurance Services LLC, to licensed insurance professionals. ³ ⁴

What Neither Page Names

Pie's reviewed page refers only to "our insurance carrier partners" and does not name a specific insurer for its errors and omissions product. ¹⁰ At-Bay's current MPL page similarly does not name the insurer for a new quote. ³

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

Ask Pie which of its carrier partners would actually issue your errors and omissions policy. ¹⁰
Ask At-Bay directly which insurer would issue your MPL policy. ³
Ask Pie for the full exclusions list behind its statement that criminal prosecution is not covered. ¹⁰
Ask At-Bay for its published $5 million limit ceiling and applicable state restrictions. ³
Neither company's reviewed pages publish limit or premium figures for this line; ask both for a specific quote. ¹⁰ ³

Offering Details

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

Criteria	At-Bay Miscellaneous Professional Liability (MPL) Insurance	Pie Errors and Omissions Insurance
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. ^3,⁴Company-reported. Current MPL product page and license disclosures; this describes the distribution channel, not who bears the underwriting risk.	Pie says it helps small businesses get the best errors and omissions coverage 'from our insurance carrier partners,' identifying itself as an intermediary rather than the underwriter for this line. ¹⁰Company-reported. Errors and Omissions 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. ^3,⁵Not 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.	The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's errors and omissions product. ¹⁰Not publicly disclosed. Errors and Omissions product page as read on 2026-09-23.
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. ³Company-reported. Current MPL appetite paragraph; the linked appetite guide's specific eligibility requirements were not independently opened for this record.	Pie names architects, contractors, attorneys, engineers, consultants, marketers, counselors, and real estate agents as professionals who often carry E&O insurance, and notes some states or clients require proof of coverage. ¹⁰Company-reported. Errors and Omissions product page as read on 2026-09-23; not an exhaustive eligibility list.
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. 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.	Pie describes errors and omissions insurance, also called professional liability insurance, as covering legal fees, costs, and damages for claims that a business's advice or services caused harm, including claims of inaccurate advice, misrepresentation, negligence, or violation of good faith, but says it does not protect against criminal prosecution. ¹⁰Company-reported. Errors and Omissions product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions.
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. ³Company-reported. Current appetite paragraph; this is an advertised ceiling, not a guaranteed available limit for any specific applicant.	The reviewed page does not publish limits, deductibles, or premium ranges for errors and omissions coverage. ¹⁰Not publicly disclosed. Errors and Omissions 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. ^3,⁶Company-reported. Current submission instructions and the general broker-platform workflow description; MPL-specific automation details were not separately confirmed.	Pie directs errors and omissions buyers to contact the company to start a quote through its website. ¹⁰Company-reported. Errors and Omissions product page as read on 2026-09-23.

Full Comparison

More At-Bay vs Pie Insurance Comparisons

Cyber Insurance

Other Professional Liability (E&O) Insurance Comparisons

Sources

At-Bay

Cyber, Tech E&O & Professional Liability Insurance. At-Bay; Product cards and agency disclosure. Accessed 2026-09-16.
At-Bay Stance. At-Bay; Real Protection Against Real Threats; Endpoint, Email, MXDR; footnotes 1 and 3–6. Accessed 2026-09-16.
MPL Insurance: Coverage Highlights & Appetite. 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.
Licenses. At-Bay; Producer introduction; agency and surplus-lines footer naming At-Bay Insurance Services LLC. Accessed 2026-09-16.
At-Bay Doubles Miscellaneous Professional Liability Appetite. At-Bay; September 28, 2023 release: final paragraph before Media Contacts. Accessed 2026-09-16.
Broker Platform. At-Bay; How it works: Create a quote, Customize your quote, Bind your policy, Manage renewals; FAQs. Accessed 2026-09-16.

Pie Insurance

Legal. Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
Workers’ Comp Insurance For Small Businesses. Pie Insurance; Get a workers’ compensation quote online; insurance made for your small business; quote inputs; coverage description; quote-time and savings qualifications; AM Best link. Accessed 2026-09-16.
Online Account Tutorial. Pie Insurance; Payment-method updates; instant and custom certificates; policy information; document access; agent-handled custom certificate qualification. Accessed 2026-09-15.
Errors and Omissions Insurance. Pie Insurance; Errors and Omissions Insurance hero: also known as professional liability insurance...; professions that often carry E&O; What's typically covered by errors and omissions insurance? Inaccurate advice, Misrepresentation, Negligence, Violation of good faith; Make sure you're covered: Start now. Accessed 2026-09-23.

Professional Liability (E&O) Insurance Guide

FAQ: Professional liability insurance. 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.
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.
Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
Professional Liability – US Direct Errors and Omissions Insurance. 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.