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

Pie Insurance is an intermediary that sources E&O from carrier partners and starts quotes through its website. CFC sells a package policy built on E&O, with limits up to $10 million and optional umbrella liability over it.

Law firms appear in Pie’s E&O audience, while CFC ordinarily declines lawyers, making Pie the more relevant E&O option for law firms. ^4,²

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

Criminal Proceedings

Pie says its E&O does not protect against criminal prosecution. ⁴ CFC's brochure describes civil exposures such as breach of contract and IP infringement but does not address criminal-prosecution costs. ² Ask both whether any criminal-defense costs are covered if this exposure matters to your practice.

Starting a Quote

Pie asks prospects to contact the company through its website to start a quote. ⁴ CFC accepts a dedicated application and offers digital trading through Connect or API partners. ¹

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

If you are an attorney, ask Pie which insurer would issue the policy and whether your practice is eligible; CFC ordinarily declines lawyers. ⁴ ²
Ask both for the policy limit, retention and exclusions; the reviewed pages do not publish those details. ⁴ ¹

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

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

Criteria	CFC Professional Services	Pie Errors and Omissions Insurance
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.	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. ⁴Company-reported. Errors and Omissions product page as read on 2026-09-23; not an exhaustive eligibility list.
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.	Pie directs errors and omissions buyers to contact the company to start a quote through its website. ⁴Company-reported. Errors and Omissions 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.	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. ⁴Company-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	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.	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. ⁴Company-reported. Errors and Omissions product page as read on 2026-09-23.