Coalition vs Harper 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.

Harper places professional liability coverage as a broker, writing the policy around the applicant's actual services rather than underwriting it, and describes a specialist handling the placement. ⁹Company-reported. Professional liability page introduction and 'Why Harper' section.

Harper markets the identical policy under two catalogue entries, "Professional Liability" and "Errors and Omissions"; the E&O page states it is the same policy, just named what a given industry calls it. ^10,11Company-reported. Coverage directory listing plus the E&O page's own description; a naming convention Harper states about itself, not a distinction between two products.

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 reviewed pages name pricing drivers (services performed, revenue, contract size) but do not name the issuing insurer or publish specific limit, retention or premium figures for this line. ^9,10Not publicly disclosed. Checked both the professional-liability and errors-and-omissions pages on 2026-09-23; neither names a carrier or a limit figure.

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.

Harper targets consultants, agencies, tech firms and licensed professionals whose work product is advice, design or a decision, since general liability doesn't cover a client claiming that work caused a financial loss. ⁹Company-reported. Professional liability page introduction and FAQ distinguishing it from general liability.

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.

Harper describes coverage for errors and omissions in the work itself, negligence allegations about professional judgment, and legal defense costs, with limits it says are matched to the client contracts that require the policy. ^9,10Company-reported. Professional liability page's four coverage tiles; the E&O page adds that claims often surface a year or more after the work was delivered. The issued policy and its exclusions control actual scope.

Not described in the reviewed sources.

Harper says it reads a policy's exclusions line by line before a client buys, because two E&O policies with the same limit can respond very differently to the same claim. ⁹Company-reported. Professional liability page 'We know this' section; a described review practice, not an independently verified outcome.

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.

You request a quote online or by phone; if a client contract requires E&O, Harper says it places coverage matching that requirement and issues the certificate the same day. ⁹Company-reported. Professional liability page quote form and FAQ 'My client contract requires E&O. What now?'.

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.