Coalition vs Coverdash Professional Liability (E&O) Insurance

Coalition designs and distributes MPL as an add-on coverage that combines with certain Active Cyber Insurance policies, sold through appointed brokers. ⁵Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23.

Coverdash arranges professional liability (errors and omissions) coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. ^9,10Company-reported. General brokerage terms applied to the professional liability page; not specific to any one carrier or state.

Coalition's disclaimer page has named sections for admitted cyber, non-admitted cyber, and admitted executive risk, but no equivalent 'Admitted MPL' section, indicating MPL is placed on a non-admitted (surplus lines) basis with unaffiliated insurers the disclaimer does not name. ⁶Not publicly disclosed. U.S. Disclaimers page as read on 2026-09-23; the buyer's declarations page names the actual issuing insurer.

The professional liability page does not name the insurer that issues the policy. ¹⁰Not publicly disclosed. Reviewed professional liability page as of 2026-09-23; the page describes coverage without naming a specific carrier.

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. ⁵Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23.

Coverdash markets professional liability to any small business, startup or e-commerce seller that gives advice, provides a service or delivers work for clients, citing examples including architects, dentists, doctors and real estate agencies. ¹⁰Company-reported. Product-page eligibility description; actual acceptance depends on underwriting and profession-specific appetite.

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. ⁵Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23; the issued policy controls actual terms.

Coverdash describes professional liability as covering claims that a client's financial harm came from the business's negligent advice or service, mistakes made by the business or an employee, or a missed deadline or undelivered work, and pays legal defense costs even for a baseless claim. ¹⁰Company-reported. Product-page coverage cards; the issued policy and declarations control actual wording, limits, exclusions and whether the policy is claims-made.

Coverdash's coverage hub lists this general professional liability product separately from Tech E&O (for technology companies) and Lawyers Professional Liability, so a technology or legal business would typically be pointed to the more specific product instead. ¹¹Company-reported. Coverage hub category structure; does not establish which product a given underwriter would actually issue.

Not described in the reviewed sources.

The professional liability page does not publish specific limit, retention or deductible amounts. ¹⁰Not publicly disclosed. Reviewed professional liability page as of 2026-09-23; figures are quote-specific and not shown on the public product page.

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. ⁵Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23.

Coverdash describes a fully digital quote-to-purchase process for professional liability, with the option to add coverages such as general liability or cyber alongside it. ¹⁰Company-reported. Product-page company information and cross-sell section.

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. ⁵Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23; speed and efficiency descriptions are company-reported and not independently verified.

Not described in the reviewed sources.