Coalition vs 
Pie Insurance Professional Liability (E&O) Insurance
Coalition sells professional liability only as a cyber add-on with duty-to-defend wording; Pie's E&O explicitly excludes criminal prosecution.
What Is Coalition Insurance?
Coalition offers cyber insurance and technology E&O alongside cyber risk-management services. Its U.S. products are distributed through insurance producers, with separate admitted and surplus-lines routes and an executive-risk product suite. 1,2,3,4
What Is Pie Insurance?
Pie Insurance sells and administers small-business commercial insurance, with affiliated carriers writing its workers’ compensation program and outside carrier partners supporting selected other products. Businesses can start a workers’ compensation quote online or use an agent, then manage documents, certificates, billing, audits and claim reporting through Pie’s service channels. 7,8,9
What Is Professional Errors and Omissions (E&O) Insurance?
Professional errors and omissions (E&O) insurance, also called professional liability insurance, addresses claims that professional services or advice caused a client financial loss. What's covered depends on the services actually scheduled in the policy, not the product label alone. 11,12,13,14
Key Differences in Professional Liability (E&O) Insurance
What Each One Says the Policy Won't Do
Coalition's reviewed page does not list specific exclusions for MPL beyond describing what the duty-to-defend basis covers. Pie's reviewed page draws an explicit boundary instead, saying its errors and omissions coverage pays legal fees, costs and damages for claims like inaccurate advice and negligence, but does not protect against criminal prosecution. 5 10
Bundled Add-On Versus Named Intermediary
Coalition sells MPL only as an add-on to an Active Cyber Insurance quote, through appointed brokers. Pie describes itself as helping small businesses get E&O coverage "from our insurance carrier partners," an intermediary role for a standalone product rather than a bundled add-on, though it also does not name the specific carrier. 5 10
Who Each One Targets
Coalition markets MPL to any business performing professional services, naming consultants, marketing and PR firms, staffing firms and property managers. Pie names architects, contractors, attorneys, engineers, consultants, marketers, counselors and real estate agents as professionals who often carry E&O, and notes that some states or clients require proof of coverage. 5 10
What to Confirm in Professional Liability (E&O) Insurance Quotes
- Ask Pie which carrier partner would underwrite your policy, since the reviewed page names only unspecified "carrier partners." 10
- Ask Coalition whether MPL is available without also buying Active Cyber Insurance, since the reviewed page describes it only as an add-on. 5
- Ask Coalition which insurer would issue the MPL policy, since its disclaimer page has no named "Admitted MPL" section. 6
- Ask Pie for its coverage limits and deductible, since the reviewed page does not publish figures. 10
Offering Details
Coalition vs Pie Insurance Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Coalition Miscellaneous Professional Liability (MPL) | Pie Errors and Omissions Insurance |
|---|---|---|
| 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. 5Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23. | Pie says it helps small businesses get the best errors and omissions coverage 'from our insurance carrier partners,' identifying itself as an intermediary rather than the underwriter for this line. 10Company-reported. Errors and Omissions product page as read on 2026-09-23. |
| Issuing Insurer | 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 page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's errors and omissions product. 10Not publicly disclosed. Errors and Omissions product page as read on 2026-09-23. |
| 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. 5Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23. | Pie names architects, contractors, attorneys, engineers, consultants, marketers, counselors, and real estate agents as professionals who often carry E&O insurance, and notes some states or clients require proof of coverage. 10Company-reported. Errors and Omissions product page as read on 2026-09-23; not an exhaustive eligibility list. |
| 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. 5Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23; the issued policy controls actual terms. | Pie describes errors and omissions insurance, also called professional liability insurance, as covering legal fees, costs, and damages for claims that a business's advice or services caused harm, including claims of inaccurate advice, misrepresentation, negligence, or violation of good faith, but says it does not protect against criminal prosecution. 10Company-reported. Errors and Omissions product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions. |
| Limits and Retentions | Not described in the reviewed sources. | The reviewed page does not publish limits, deductibles, or premium ranges for errors and omissions coverage. 10Not publicly disclosed. Errors and Omissions product page as read on 2026-09-23. |
| 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. 5Company-reported. Miscellaneous Professional Liability product page as read on 2026-09-23. | Pie directs errors and omissions buyers to contact the company to start a quote through its website. 10Company-reported. Errors and Omissions product page as read on 2026-09-23. |
| 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. 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. |
Full Comparison
More Coalition vs Pie Insurance Comparisons
Other Professional Liability (E&O) Insurance Comparisons
Sources
Coalition
- Tech E&O Insurance Coverage. Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16.
- U.S. Producer Compensation. Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
- Are there any differences between Coalition’s admitted and surplus lines products? Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
- Executive Risks. Coalition; FAQ: What type of businesses do you protect?, What limits do you offer? and What resources do you have for policyholders?; Product Offering: D&O, EPL, fiduciary, crime. Accessed 2026-09-16.
- Miscellaneous Professional Liability. Coalition; Why Miscellaneous Professional Liability?; MPL Advantage; What does MPL cover?; What types of claims does MPL protect against?; What types of businesses could benefit from MPL?; Why does 'Duty to Defend' coverage matter? Accessed 2026-09-23.
- U.S. Disclaimers. Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted Executive Risk (names Zurich American Insurance Company, NAIC 16535); no 'Admitted MPL' or 'Admitted Tech E&O' section appears on the page. Accessed 2026-09-23.
Pie Insurance
- Legal. Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
- Workers’ Comp Insurance For Small Businesses. Pie Insurance; Get a workers’ compensation quote online; insurance made for your small business; quote inputs; coverage description; quote-time and savings qualifications; AM Best link. Accessed 2026-09-16.
- Online Account Tutorial. Pie Insurance; Payment-method updates; instant and custom certificates; policy information; document access; agent-handled custom certificate qualification. Accessed 2026-09-15.
- Errors and Omissions Insurance. Pie Insurance; Errors and Omissions Insurance hero: also known as professional liability insurance...; professions that often carry E&O; What's typically covered by errors and omissions insurance? Inaccurate advice, Misrepresentation, Negligence, Violation of good faith; Make sure you're covered: Start now. Accessed 2026-09-23.
Professional Liability (E&O) Insurance Guide
- FAQ: Professional liability insurance. Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
- Professional liability insurance. Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Professional Liability – US Direct Errors and Omissions Insurance. Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.
