CFC vs Coterie Insurance: How Do They Compare for Professional Liability (E&O) Insurance?

Coterie Insurance sells its professional liability only through agents and brokers, with limit options from $25,000 to $1 million and no availability in DC, IL, MA, MT, ND or VA. CFC publishes E&O limits up to $10 million.

CFC publishes an E&O maximum of $10 million; Coterie offers per-claim limits up to $1 million and a 60-day reporting extension. ^2,⁴

What Are the Key Differences Between CFC and Coterie Insurance Professional Liability (E&O) Insurance?

Pick a Limit That Matches Your Contracts

CFC publishes a $10 million maximum E&O limit and a $0 minimum deductible. Coterie offers per-claim limits from $25,000 to $1 million, with an aggregate two to three times the per-claim limit and a 60-day reporting extension. If a client contract needs more than $1 million per claim, ask CFC for an available quote; if a lower tier is enough, compare Coterie’s pricing. ² ⁴

Check State and Profession Eligibility

Coterie lists DC, Illinois, Massachusetts, Montana, North Dakota and Virginia as unavailable for MPL, and notes profession-specific exclusions. CFC lists favored and declined professions but no state restrictions in the reviewed materials. Check both your location and work before applying. ⁴ ²

Choose the Application Route

CFC offers an application and digital trading via Connect and API partners. Coterie sells MPL through agents and brokers on its quoting platform. Ask your broker which carrier and policy form applies. ¹ ⁴

What Should You Confirm in CFC and Coterie Insurance Professional Liability (E&O) Insurance Quotes?

Ask CFC whether your profession is favored or declined and what limit it can offer. ²
Confirm Coterie’s state and profession eligibility. ⁴
Compare actual per-claim and aggregate limits, premium, retention and reporting-period terms. ² ⁴
Ask each which insurer will issue the policy. ¹ ⁴

CFC vs Coterie Insurance Professional Liability (E&O) Compared

CFC vs Coterie Insurance: Professional Liability (E&O) Insurance: documented features by provider

Criteria	CFC Professional Services	Coterie Miscellaneous Professional Liability (MPL)
Limits and Retentions	CFC's brochure lists maximum limits of $10,000,000 for E&O, $6,000,000 for CGL and $5,000,000 for umbrella, with a $0 minimum deductible, minimum premiums starting at $475-$500 depending on the coverage part, and no revenue threshold for eligibility. ²Company-reported. Brochure's "Limits, deductibles, premiums, revenue threshold" section; the terms actually issued depend on underwriting.	Coterie offers MPL each-claim limits of $25,000, $50,000, $250,000, $500,000, or $1,000,000, with the aggregate set at two times the each-claim limit (three times for the $1,000,000 option); the basic policy includes a 60-day extended reporting period, with optional purchased extensions of 1 to 6 years, and up to 6 years of prior-acts (retroactive) coverage. ⁴Company-reported. MPL brochure 'Available Limits' table and 'Extended Reporting Period'/'Retroactive Date' definitions.
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.	Coterie lists dozens of eligible professions for MPL, including accounting services, architects and engineers, bookkeeping, human resources consulting, interior design, property management, real estate agents/brokers, and technology services/IT consulting, each with profession-specific exclusions in some cases (for example, barbers/beauticians exclude services like electrolysis and tattoo services). ⁴Company-reported. MPL brochure 'Eligible Professions' and 'Eligible Professions (Continued)' lists. Coterie says MPL is available in most states but is currently unavailable in DC, IL, MA, MT, ND, and VA. ⁴Company-reported. MPL brochure 'MPL unavailable' note.
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.	MPL is distributed only through agents and brokers using Coterie's quoting platform; the reviewed brochure does not describe a direct-to-business application path. ⁴Company-reported. MPL brochure framing as 'for Agents and Brokers'.
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.	Coterie's MPL policy covers economic or financial (non-physical) damages arising from wrongful acts in professional services, such as faulty reports or verbal advice that cause a client financial loss; it is written on a claims-made basis covering incidents reported during the policy period or an extended reporting period, occurring after the policy's retroactive date. ⁴Company-reported. MPL brochure policy overview and 'Professional Liability Limits of Insurance' definitions. Coterie's MPL base form excludes bodily injury or property damage claims, fraud or intentional wrongful acts, wrongful termination or discrimination claims, and claims based on contractual liability assumed beyond what would exist without the contract, among other listed exclusions. ⁴Company-reported. MPL brochure 'Professional Liability Policy Base Form Exclusions' list.
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.	Coterie writes Miscellaneous Professional Liability (MPL) as a claims-made policy sold through agents and brokers to protect a small-business client against third-party claims for errors or omissions in their professional services. ⁴Company-reported. MPL brochure policy-overview paragraph.