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

Heffernan Insurance Brokers' small-business division shops E&O with insurers, from sole proprietors to fast-growing companies in many industries. Coalition sells it only as an add-on to Active Cyber through appointed brokers.

Coalition offers MPL only with Active Cyber; Heffernan can shop E&O through a custom small-business package across industries. ^1,³

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

Coverage Descriptions

Coalition describes defense costs, settlements, judgments and other expenses for professional-services errors, including negligence, failure to provide service and misstatements. ¹ Heffernan describes E&O as protection against product or service problems that cause a client financial loss. ³ Compare the policy wording for your specific services and contracts.

Getting a Quote

Coalition adds MPL to an Active Cyber quote with a few extra questions. ¹ Heffernan asks small-business buyers to contact its team for a quote and can custom-design packages for unlisted industries. ³

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

Ask Coalition and Heffernan which insurer will issue the policy and what limits and deductibles apply. ¹ ³
Confirm whether Coalition requires Active Cyber for MPL. ¹
Compare the price of Coalition's cyber-plus-MPL option with Heffernan's custom package. ¹ ³

Coalition vs Heffernan Insurance Brokers Professional Liability (E&O) Compared

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

Criteria	Coalition Miscellaneous Professional Liability (MPL)	Heffernan Professional Errors and Omissions Brokerage
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.	Heffernan's small-business division says it serves sole proprietors through fast-growing companies across industries including construction, food, health care, hospitality, nonprofits, real estate, technology, transportation, and vintners and growers, and will custom-design a package for industries not listed. ³Company-reported. Small Business Insurance page as read on 2026-09-23; not exclusively E&O-specific, but describes the buyer base for the page listing this coverage.
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.	Heffernan directs small-business buyers to contact the firm's small-business division to request a quote and says it will research and build a custom package for industries not already listed. ³Company-reported. Small Business Insurance page as read on 2026-09-23.
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.	Heffernan describes errors and omissions coverage as protecting against claims for problems with a company's product or service that result in a financial loss to a client. ³Company-reported. Small Business Insurance page as read on 2026-09-23; the page does not list specific exclusions, claims-made versus occurrence form, or endorsements.
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.	Heffernan lists errors and omissions among the coverages its small-business division places for clients, shopping the line with insurers rather than underwriting it. ³Company-reported. Small Business Insurance page as read on 2026-09-23; no dedicated professional-E&O product page was found.