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

Small businesses that want an intermediary to find E&O from carrier partners can start a quote with Pie Insurance online. At-Bay markets its own MPL with limits up to $5 million, sold through its licensed producer to insurance professionals who submit business.

Pie lists attorneys among typical E&O buyers and excludes criminal prosecution; At-Bay publishes a duty to defend and coverage for independent contractors in its MPL. ^5,¹

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

A Specific Exclusion and Listed Policy Features

Pie describes coverage for inaccurate advice, misrepresentation, negligence and breach of good faith, while stating that E&O does not cover criminal prosecution:

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. ⁵Company-reported. Errors and Omissions product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions.

At-Bay lists MPL provisions such as automatic acquired-subsidiary coverage, independent-contractor coverage and an 80/20 hammer clause, but its page does not provide a comparable exclusions list. Ask each for the full form and test it against your work. ¹

Who Arranges Your Policy

Pie describes itself as connecting small businesses with carrier partners. At-Bay distributes MPL through its producer to licensed insurance professionals. Neither reviewed page names the insurer for your policy, so request it before comparing carriers. ⁵ ²

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

Ask Pie which carrier would issue your policy and what other exclusions apply. ⁵
Ask At-Bay which insurer will issue the MPL policy and what state restrictions apply. ¹
Compare the actual limit, premium and retention from both. ⁵ ¹
Confirm whether At-Bay’s broker submission route works for you. ¹

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

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
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.	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. ⁵Company-reported. Errors and Omissions product page as read on 2026-09-23; not an exhaustive eligibility list.
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.	Pie directs errors and omissions buyers to contact the company to start a quote through its website. ⁵Company-reported. Errors and Omissions 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.	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. ⁵Company-reported. Errors and Omissions product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions.
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.	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. ⁵Company-reported. Errors and Omissions product page as read on 2026-09-23.