CFC vs 
Coalition: How Do They Compare for Professional Liability (E&O) Insurance?
Coalition sells its professional liability only as an addition to an Active Cyber quote, through appointed brokers. CFC sells E&O as a package policy with optional general liability, property and cyber add-ons, with limits up to $10 million.
CFC sells E&O as a standalone core with optional general liability, property and cyber; Coalition offers MPL only with an eligible Active Cyber policy. 4,1
What Are the Key Differences Between CFC and Coalition Professional Liability (E&O) Insurance?
Whether You Must Buy Cyber
CFC offers professional-services E&O as its own package and lets buyers add general liability, property and cyber separately. Coalition makes Miscellaneous Professional Liability available only with an Active Cyber Insurance policy. If you need E&O alone, ask CFC for the standalone price; if you already want Coalition cyber, ask whether your tier supports MPL. 2 4
How You Get the Quote
CFC accepts a dedicated application and supports digital trading through Connect and API partners as well as standard broker submissions. Coalition distributes the MPL add-on through appointed brokers as part of the cyber quote. Ask your broker which path is available for your account. 1 4
Claims and Limits
CFC assigns professional-liability claims to a dedicated professions claims manager. Coalition says its in-house team handles cyber and MPL claims together. CFC publishes a $10 million E&O maximum; Coalition’s actual MPL sublimit depends on the quote. 3 4 2
What Should You Confirm in CFC and Coalition Professional Liability (E&O) Insurance Quotes?
- Ask Coalition whether you need a new or existing Active Cyber policy and what MPL limit is available. 4
- Ask CFC which limits, optional coverages and premium apply to your business. 2
- Ask both which insurer issues the policy and who handles claims. 5 3
- Check CFC’s favored and declined profession list before applying. 2
CFC vs Coalition Professional Liability (E&O) Insurance Compared
CFC vs Coalition: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | CFC Professional Services | Coalition Miscellaneous Professional Liability (MPL) |
|---|---|---|
| Who It’s For | CFC says it favors business, educational, environmental, food, HR, market-research, quality-assurance, security and traffic consultants, event organisers, freight brokers, loss adjusters, private investigators and trade associations, and ordinarily declines debt collectors, financial advisors, health and safety consultants, insurance agents, lawyers, mortgage brokers, pre-purchase home inspectors, stockbrokers, tour operators and valuers. 2Company-reported. Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting. | 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. 4Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23. |
| How to Apply | CFC publishes a dedicated application form for this policy and also says its professional liability class can be traded directly through its Connect platform or through named API partners, in addition to the standard broker-submitted application. 1Company-reported. Professional liability product page's downloads and "Digitally traded" sections; not confirmed specifically for the professions/miscellaneous professional liability product versus the class as a whole. | 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. 4Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23. |
| Coverage Features | CFC says the E&O cover includes breach of contract, bodily injury, property damage, vicarious liability of subcontractors, IP infringement, pollution liability, libel, slander, defamation, document loss and withheld fees, with worldwide legal cover. 2Company-reported. Brochure's "Comprehensive errors & omissions cover" and "Comprehensive legal cover" sections; exact wording and exclusions are set by the policy as issued. Businesses can add a separate commercial general liability limit, property, and cyber and privacy liability to the E&O policy, plus optional umbrella liability that sits over the E&O and CGL layers. 2Company-reported. Brochure's "Modular package policy" and "Umbrella liability" sections; availability depends on underwriting. | 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. 4Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23; the issued policy controls actual terms. |
| Role in This Line | CFC sells professional errors & omissions as a modular package policy it calls "Professional services" (branded on the brochure as "Miscellaneous professional liability"), which pairs E&O with optional general liability, property and cyber add-ons rather than selling E&O alone. 1,2Company-reported. Professional liability product page's "Professional services" tile and the miscellaneous professional liability brochure. | Coalition designs and distributes MPL as an add-on coverage that combines with certain Active Cyber Insurance policies, sold through appointed brokers. 4Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23. |
| Claims Support | CFC lists a named Claims Manager for Professions on its claims team, indicating professional-liability claims are routed to a dedicated professions unit rather than a generalist adjuster. 3Company-reported. CFC's claims page team listing; the page does not publish claim volumes or turnaround times specific to this product. | 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. 4Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23; speed and efficiency descriptions are company-reported and not independently verified. |
