Coalition vs 
Hiscox: How Do They Compare for Professional Liability (E&O) Insurance?
Hiscox says professional liability is licensed for sale in 49 states and DC, excluding Alaska, with online quote and purchase for eligible buyers. Coalition offers its version only as an add-on to an Active Cyber quote.
Hiscox sells standalone E&O online where available; Coalition requires an Active Cyber quote and appointed broker for MPL. 1,3,6
What Are the Key Differences Between Coalition and Hiscox Professional Liability (E&O) Insurance?
Buying Online or Through a Broker
Eligible Hiscox buyers can quote and purchase online with phone access to licensed advisors; where direct sales are unavailable, Hiscox points to a specialist broker. 3 Coalition sells MPL through appointed brokers as an add-on to a cyber quote. 1 Check whether Hiscox offers direct online sales in your state.
Policy Form
Hiscox describes its E&O as claims-made, so a claim must be made and typically reported while the policy is active. 4 Coalition's reviewed MPL page describes duty-to-defend coverage but not whether it is claims-made or occurrence. 1 Ask about reporting deadlines and tail coverage before choosing.
What Should You Confirm in Coalition and Hiscox Professional Liability (E&O) Insurance Quotes?
- Ask Coalition whether Active Cyber is required to buy MPL. 1
- Check whether Hiscox sells online in your state or requires a specialist broker. 3
- Ask Hiscox for available limits and retentions; the reviewed page does not list standard figures. 3
- Compare the duty-to-defend wording and reporting requirements in the actual policies. 1 4
Coalition vs Hiscox Professional Liability (E&O) Insurance Compared
Coalition vs Hiscox: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Coalition Miscellaneous Professional Liability (MPL) | Hiscox 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. | Hiscox says professional liability is licensed for sale in 49 states and Washington, D.C., excluding Alaska, and that if it does not sell the product online in a buyer's state, a specialist broker may be able to help instead. 3,6Company-reported. Company-stated jurisdiction for the online small-business catalogue; the appetite guide's technology classes (IT consultants, software development) illustrate typical buyers but do not guarantee acceptance for any one applicant. |
| 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. | Hiscox says eligible buyers can quote and buy professional liability online, with licensed advisors available by phone during posted hours for questions during the process. 3Company-reported. Company-described online application; eligibility and binding conditions require confirmation on the actual application. |
| 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. | Hiscox describes professional liability as a claims-made policy, meaning a claim is covered only if it is made (and typically reported) while the policy is active, rather than an occurrence policy covering incidents regardless of when the claim surfaces. 4Company-reported. Product FAQ description; exact triggers, retroactive dates, exclusions and wording are set by the issued policy. |
| 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. | Hiscox Inc., a licensed insurance intermediary, sells professional liability (errors and omissions) coverage directly online to small businesses as part of its Hiscox NOW admitted small-business catalogue. 5,3Company-reported. Company-stated online small-business channel. |
| Claims Support | 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. 1Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23; speed and efficiency descriptions are company-reported and not independently verified. | A professional-liability FAQ tells current customers that the claims phone line is open 24 hours a day, 7 days a week, separate from the general claims-center hours listed elsewhere on the Hiscox site. 4Company-reported. Company-described claims-reporting availability for this product's FAQ; does not establish claim outcomes or turnaround time. |
