Corgi vs Harper Professional Liability (E&O) Insurance

Corgi lists Miscellaneous E&O as a specialty coverage quoted with a 1-14 day turnaround, separate from its instant-quote Tech & AI Liability product and from its Real Estate E&O and Lawyer E&O products, which target specific professions. ^2,6Company-reported. Homepage and startup-insurance page policy-card labeling as of 2026-09-23. No dedicated product page was found; direct URL guesses (/miscellaneous-errors-and-omissions, /misc-eo) returned 404s.

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. ⁹Company-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. ^10,11Company-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.

No page names the carrier that issues Miscellaneous E&O coverage. Corgi's general disclosures say coverage may be underwritten by affiliated carriers, including Technology Risk Retention Group, or by third-party partner carriers depending on product, jurisdiction, and risk profile, without identifying which applies to this line. ¹Not publicly disclosed. Disclaimers page general underwriting disclosure, checked for a line-specific statement and finding none as of 2026-09-23.

The reviewed pages name pricing drivers (services performed, revenue, contract size) but do not name the issuing insurer or publish specific limit, retention or premium figures for this line. ^9,10Not publicly disclosed. Checked both the professional-liability and errors-and-omissions pages on 2026-09-23; neither names a carrier or a limit figure.

Corgi targets Miscellaneous E&O at service-based businesses generally, positioned as a catch-all for professional-liability exposure not covered by its technology-, real-estate-, or legal-specific E&O products. ^2,6Company-reported. Catalog description; no industry, size, or state restrictions are published for this line.

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. ⁹Company-reported. Professional liability page introduction and FAQ distinguishing it from general liability.

Corgi describes Miscellaneous E&O as broad professional liability coverage for service-based businesses facing claims of negligence, errors, or failure to perform professional services, distinct from its named Tech E&O, Real Estate E&O, and Lawyer E&O products. ^2,6Company-reported. One-sentence catalog description; no policy form, insuring agreement, exclusion, or claims-made/occurrence trigger is published for this line.

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. ^9,10Company-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.

No limit, retention, or illustrative policy structure is published for Miscellaneous E&O, unlike Corgi's Tech E&O and Umbrella pages, which show example limits. ^2,6Not publicly disclosed. Reviewed pages as of 2026-09-23; limits would appear on an actual quote.

Not described in the reviewed sources.

The reviewed pages do not describe risk-management or claims-handling services specific to Miscellaneous E&O policyholders. ^2,6Not found in reviewed sources. Homepage and startup-insurance page as read on 2026-09-23; general claims-handling disclosures on the disclaimers page are not specific to this line.

Harper says it reads a policy's exclusions line by line before a client buys, because two E&O policies with the same limit can respond very differently to the same claim. ⁹Company-reported. Professional liability page 'We know this' section; a described review practice, not an independently verified outcome.

Miscellaneous E&O sits outside Corgi's instant-quote flow; the site groups it with policies quoted in 1-14 days rather than through the self-serve online application used for its core coverages. ^2,6Company-reported. Homepage and startup-insurance page policy-card labeling.

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. ⁹Company-reported. Professional liability page quote form and FAQ 'My client contract requires E&O. What now?'.