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

Harper is a broker that writes the policy around your actual services and says it can issue a same-day certificate. Coalition sells E&O only as an extra on an Active Cyber quote.

Harper sells standalone E&O and says it can issue certificates for client contracts the same day; Coalition requires an Active Cyber quote for its MPL add-on. ^1,^4,⁵

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

Reviewing Exclusions

Harper says it reviews exclusions line by line before purchase, since policies with the same limit can respond differently. ³ Coalition's reviewed page does not describe this service. ¹ Ask Harper to share the actual exclusions for your quote.

Cyber Add-On Versus Standalone Placement

Coalition makes MPL an add-on to an Active Cyber quote through appointed brokers. ¹ Harper places standalone professional liability around the applicant's services and says it can issue a required certificate the same day. ³ Choose Coalition if you also need Active Cyber; choose Harper if a client contract calls for standalone E&O and a prompt certificate.

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

Ask Coalition whether you must buy Active Cyber to add MPL. ¹
Ask Harper which insurer and limit it proposes; its reviewed pages do not identify either. ³
Request Coalition's issuing insurer and policy form. ²
Confirm the certificate names the coverage your client contract requires; Harper uses both E&O and professional-liability labels for the same policy. ⁴

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

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

Criteria	Coalition Miscellaneous Professional Liability (MPL)	Harper Professional Liability Insurance
Who It’s For	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. ¹Company-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. ³Company-reported. Professional liability page introduction and FAQ distinguishing it from general liability.
How to Apply	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. ¹Company-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. ³Company-reported. Professional liability page quote form and FAQ 'My client contract requires E&O. What now?'.
Coverage Features	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. ¹Company-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. ^3,⁴Company-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.
Role in This Line	Coalition designs and distributes MPL as an add-on coverage that combines with certain Active Cyber Insurance policies, sold through appointed brokers. ¹Company-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. ³Company-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. ^4,⁵Company-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.