--- title: "At-Bay vs Pie Insurance: Professional Liability (E&O) Insurance" description: "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." canonical: "https://spot.insure/compare/at-bay-vs-pie-insurance/professional-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "at-bay-vs-pie-insurance" provider-a: "at-bay" provider-b: "pie-insurance" coverage-line: "professional-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. 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[Human-readable page](https://spot.insure/compare/at-bay-vs-pie-insurance/professional-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of At-Bay and Pie Insurance for Professional Liability (E&O) Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Professional Liability (E&O) Insurance questions about At-Bay versus Pie Insurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - At-Bay vs Pie Insurance for Professional Liability (E&O) Insurance: how do they differ? - Which is better for Professional Liability (E&O) Insurance, At-Bay or Pie Insurance? - What does At-Bay or Pie Insurance publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Professional Liability (E&O) Insurance. Providers: At-Bay and Pie Insurance. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25. **Related pages:** - [At-Bay vs Pie Insurance](https://spot.insure/compare/at-bay-vs-pie-insurance) — all coverage lines for this pair - [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — how this coverage works - [At-Bay profile](https://spot.insure/insurance-providers/at-bay) — provider profile - [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) — provider profile # 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. Law firms can compare Pie’s listed attorney E&O with At-Bay’s published MPL terms, including a duty to defend and independent-contractor coverage. ## At-Bay vs Pie Insurance Professional Liability (E&O) Insurance Summary 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](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") [1](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") ## 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. [5](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") ### 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](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") [2](https://www.at-bay.com/licenses/ "Licenses") ## 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](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") - Ask At-Bay which insurer will issue the MPL policy and what state restrictions apply. [1](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") - Compare the actual limit, premium and retention from both. [5](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") [1](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") - Confirm whether At-Bay’s broker submission route works for you. [1](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") ## At-Bay vs Pie Insurance Professional Liability (E&O) Compared | 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. [1](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..) | 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. [5](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [4](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..) | Pie directs errors and omissions buyers to contact the company to start a quote through its website. [5](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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. [1](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..) | 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. [5](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [2](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..) | 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. [5](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Errors and Omissions product page as read on 2026-09-23..) | ## About At-Bay and Pie Insurance and Professional Liability (E&O) - [At-Bay company profile](https://spot.insure/insurance-providers/at-bay) · [At-Bay customer reviews](https://spot.insure/insurance-providers/at-bay/reviews) - [Pie Insurance company profile](https://spot.insure/insurance-providers/pie-insurance) · [Pie Insurance customer reviews](https://spot.insure/insurance-providers/pie-insurance/reviews) - [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions) ## Related Pages for At-Bay vs Pie Insurance Professional Liability (E&O) - [At-Bay vs Pie Insurance](https://spot.insure/compare/at-bay-vs-pie-insurance): 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 liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms. - [At-Bay Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/at-bay/professional-errors-omissions) - [Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/pie-insurance/professional-errors-omissions) ## Sources for At-Bay vs Pie Insurance ### Sources About At-Bay 1. [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. 2. [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. 3. [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. 4. [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. ### Sources About Pie Insurance 5. [Errors and Omissions Insurance](https://www.pieinsurance.com/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. Updated 2026-09-25. 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). 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