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

Coalition designs and distributes its own professional liability, as an add-on to cyber through appointed brokers. Pie Insurance is an intermediary sourcing E&O from carrier partners, with quotes begun on its website.

Coalition sells duty-to-defend MPL only with Active Cyber; Pie offers small-business E&O for negligence claims but excludes criminal prosecution. ^1,³

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

Add-On or Standalone

Coalition sells MPL only as an add-on to an Active Cyber quote through appointed brokers. ¹ Pie helps small businesses obtain E&O from carrier partners as a standalone product. ³ If you do not want cyber, ask Pie about a quote.

Business Types

Coalition names consultants, marketing and PR firms, staffing firms and property managers for MPL. ¹ Pie names architects, contractors, attorneys, engineers, consultants, marketers, counselors and real-estate agents as professionals who often carry E&O. ³ Confirm eligibility for your exact profession.

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

Ask Pie which carrier would issue the policy and request limits and deductible. ³
Ask Coalition whether Active Cyber is required and who issues the MPL. ¹ ²
Compare limits, exclusions and total premium for the coverage you need. ¹ ³
Confirm criminal-defense costs under the actual policy wording. ³

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

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

Criteria	Coalition Miscellaneous Professional Liability (MPL)	Pie Errors and Omissions 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.	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. ³Company-reported. Errors and Omissions product page as read on 2026-09-23; not an exhaustive eligibility list.
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.	Pie directs errors and omissions buyers to contact the company to start a quote through its website. ³Company-reported. Errors and Omissions product 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.	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. ³Company-reported. Errors and Omissions product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions.
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.	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. ³Company-reported. Errors and Omissions product page as read on 2026-09-23.