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

Coalition adds miscellaneous professional liability onto an Active Cyber quote with a few extra questions, through appointed brokers. Chubb Pro ERM is a single policy covering professional, media and cyber exposures for non-licensed firms of any size.

Buyers needing E&O alongside cyber can compare Chubb’s combined Pro ERM policy; Coalition requires an existing Active Cyber policy for its E&O add-on. ^1,³

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

Client Contract Requirements

Chubb says Pro ERM automatically extends additional-insured status to clients when a contract requires it. ¹ Coalition's reviewed MPL page does not describe an additional-insured provision. ³ If a client contract requires this, get the endorsement wording from each quote.

Coverage Limits

Chubb's reviewed product page does not publish a Pro ERM liability limit. ¹ Coalition's reviewed MPL page also does not publish a limit. ³ Compare the proposed limits and defense-cost treatment in the actual quotes.

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

Ask Coalition whether MPL requires an active Coalition cyber policy. ³
Confirm Pro ERM's liability limit and whether defense costs reduce it. ¹
Ask whether Coalition can add a client as an additional insured; its reviewed page does not describe this. ³
Request Coalition's issuing insurer and policy wording; its reviewed disclosure does not identify the MPL insurer. ⁴

Chubb vs Coalition Professional Liability (E&O) Insurance Compared

Chubb vs Coalition: Professional Liability (E&O) Insurance: documented features by provider

Criteria	Chubb Pro ERM (Professional Enterprise Risk Management)	Coalition Miscellaneous Professional Liability (MPL)
Who It’s For	Chubb says Pro ERM is available to non-licensed professional-services firms of all sizes, naming examples including associations, consultants, business process administrators, event planners, interior and graphic design firms, marketing and PR firms, printers, staffing firms, travel agents and trustees. ¹Company-reported. Pro ERM Target Clients list.	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. ³Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23.
How to Apply	Agents and brokers can quote Pro ERM through Chubb's Cyber Central or Marketplace quoting platforms. ¹Company-reported. Cyber Insurance Coverage & Products page quoting section.	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. ³Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23.
Coverage Features	Beyond the Cyber ERM base, Chubb says Pro ERM adds E&O coverage including personal injury from professional services, a broadened definition of professional services that expressly includes professional technology services, coverage for independent contractors performing duties on the insured's behalf, automatic additional-insured status for clients when required by contract, and coverage for professional disciplinary proceedings. ¹Company-reported. Pro ERM Product Features list; subject to the policy as issued.	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. ³Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23; the issued policy controls actual terms.
Role in This Line	Chubb underwrites professional errors and omissions coverage through Pro ERM, a single policy combining professional liability, media and cyber exposures for non-licensed professional-services firms. ¹Company-reported. Cyber Insurance Coverage & Products page, Professional Enterprise Risk Management section.	Coalition designs and distributes MPL as an add-on coverage that combines with certain Active Cyber Insurance policies, sold through appointed brokers. ³Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23.