What Is Coterie Insurance?
Coterie suits small businesses buying through an agent who wants to quote and bind eligible policies from prefilled information; buyers seeking a direct-to-consumer carrier should look elsewhere. Policyholders can manage documents and changes online. 1,2,3
Read the Coterie Insurance profile
Read the Coterie Insurance Professional Liability (E&O) Insurance page
What Is Counterpart Insurance?
Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. 5,6
Read the Counterpart Professional Liability (E&O) Insurance page
What Is Professional Errors and Omissions (E&O) Insurance?
Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. 12,13,14,15
Key Differences in Professional Liability (E&O) Insurance
Program Structure and Professional Fit
Coterie Insurance's brochure reviewed September 23, 2026 lists a claims-made MPL form with per-claim limits from $25,000 to $1 million, aggregates generally twice that amount, a basic 60-day reporting extension, and optional prior acts and longer reporting periods. Counterpart lists profession-specific programs and selected modular terms. Small businesses can compare Coterie's published structure with the appropriate Counterpart class, while confirming current quote terms. 4 7 8 9 10
Eligibility and Availability
The brochure Coterie Insurance reviewed September 23, 2026 listed MPL as unavailable in DC, IL, MA, MT, ND and VA, and noted occupation-specific exclusions; this is a dated availability statement. Counterpart names separate professional programs. Confirm present state and occupational eligibility with each placement contact, then compare the actual retroactive dates and exclusions. 4 7 8 9 10
What to Confirm in Professional Liability (E&O) Insurance Quotes
Coterie Insurance and Counterpart Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Coterie Insurance Review Score
Review Score
2 rated sources
Coterie’s BBB complaint record is a concern; its single Trustpilot review is too small a sample to offset that. Ask how complaints and service problems are resolved.[1][5][6]
Read Coterie Insurance reviewsCounterpart Review Score
Review Score
No reviews found
We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.[7][10]
Read Counterpart reviewsCoterie Insurance vs Counterpart Professional Liability (E&O) Compared
Coterie Insurance vs Counterpart: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Coterie Miscellaneous Professional Liability (MPL) | Counterpart Professional Liability |
|---|---|---|
| Role in This Line | Coterie writes Miscellaneous Professional Liability (MPL) as a claims-made policy sold through agents and brokers to protect a small-business client against third-party claims for errors or omissions in their professional services. 4Company-reported. MPL brochure policy-overview paragraph. | Counterpart describes its product distribution through Counterpart Insurance Services, Inc. and wholesale brokers. 5,11Company-reported. The cited marketing pages do not identify the insurer for a particular professional-liability risk or state. |
| Issuing Insurer | The MPL brochure names the policy form 'Coterie Professional Liability Errors and Omissions Insurance Declarations' (form code CTPL CWW PL) but does not name the issuing insurer; that appears only on the policy declarations. 4Company-reported. MPL brochure 'Mandatory Countrywide PL Policy Forms' table. | Confirm in your quote. |
| Who It’s For | Coterie lists dozens of eligible professions for MPL, including accounting services, architects and engineers, bookkeeping, human resources consulting, interior design, property management, real estate agents/brokers, and technology services/IT consulting, each with profession-specific exclusions in some cases (for example, barbers/beauticians exclude services like electrolysis and tattoo services). 4Company-reported. MPL brochure 'Eligible Professions' and 'Eligible Professions (Continued)' lists. Coterie says MPL is available in most states but is currently unavailable in DC, IL, MA, MT, ND, and VA. 4Company-reported. MPL brochure 'MPL unavailable' note. | Counterpart lists distinct professional-liability programs for miscellaneous professionals, architects/engineers/contractors, allied healthcare and lawyers. 7,8,9,10Company-reported. Each page has its own occupation scope; no single eligibility rule applies across all four products. |
| Coverage Features | Coterie's MPL policy covers economic or financial (non-physical) damages arising from wrongful acts in professional services, such as faulty reports or verbal advice that cause a client financial loss; it is written on a claims-made basis covering incidents reported during the policy period or an extended reporting period, occurring after the policy's retroactive date. 4Company-reported. MPL brochure policy overview and 'Professional Liability Limits of Insurance' definitions. Coterie's MPL base form excludes bodily injury or property damage claims, fraud or intentional wrongful acts, wrongful termination or discrimination claims, and claims based on contractual liability assumed beyond what would exist without the contract, among other listed exclusions. 4Company-reported. MPL brochure 'Professional Liability Policy Base Form Exclusions' list. | The Lawyers Professional Liability page describes claims arising from lawyers’ professional services; the MPL page gives service-related negligence and financial-loss examples. 10,7Company-reported. These are distinct program summaries and do not establish identical policy triggers or coverages. |
| Limits and Retentions | Coterie offers MPL each-claim limits of $25,000, $50,000, $250,000, $500,000, or $1,000,000, with the aggregate set at two times the each-claim limit (three times for the $1,000,000 option); the basic policy includes a 60-day extended reporting period, with optional purchased extensions of 1 to 6 years, and up to 6 years of prior-acts (retroactive) coverage. 4Company-reported. MPL brochure 'Available Limits' table and 'Extended Reporting Period'/'Retroactive Date' definitions. | Counterpart says its professional pages support modular limits and presents sample limits and retentions for selected professions. 7,10Company-reported. Published examples are illustrative, not terms available to a particular applicant. |
| How to Apply | MPL is distributed only through agents and brokers using Coterie's quoting platform; the reviewed brochure does not describe a direct-to-business application path. 4Company-reported. MPL brochure framing as 'for Agents and Brokers'. | Confirm in your quote. |
Related Pages for Coterie Insurance vs Counterpart
Professional Liability (E&O) Pages for Coterie Insurance and Counterpart
Other Coverage Lines Compared for Coterie Insurance vs Counterpart
Other Professional Liability (E&O) Insurance Provider Comparisons
Sources for Coterie Insurance vs Counterpart
Sources About Coterie Insurance
- Instant Bindable Small Business Insurance Quotes for Agents. Coterie Insurance; Built for Agents and Brokers; online workflow; core lines; endorsements; availability sections. Accessed 2026-09-15.
- Allianz X Announces Strategic Investment in Coterie Insurance. Coterie Insurance and Allianz X; September 11, 2025 announcement; MGA role; Series C investment and reinsurance relationship. Accessed 2026-09-15.
- Coterie Insurance small business products overview. Coterie Insurance; Product line overview page listing Professional Liability among Coterie's coverages. Accessed 2026-09-23.
- Miscellaneous Professional Liability (MPL) Policy Overview & Product Highlights for Agents and Brokers. Coterie Insurance; Policy overview paragraph; Eligible Professions list; 'Currently unavailable in: DC, IL, MA, MT, ND, and VA'; Professional Liability Limits of Insurance table; Claims-Made Policy Form / Retroactive Date / Extended Reporting Period definitions; Mandatory Countrywide PL Policy Forms; Base Form Exclusions. Accessed 2026-09-23.
Sources About Counterpart
- Counterpart | Agentic Insurance™. Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287. Accessed 2026-09-29.
- About Counterpart. Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26. Accessed 2026-09-29.
- Professional & General Liability. Counterpart, Inc.; Reopened 2026-09-30: page lines 4–8 says MPL may be purchased alone or packaged with GL; lines 208–245 describe industries and coverage examples; lines 251–283 describe risk assessment, quoting channels and underwriter access. Marketing page, not binding terms. Accessed 2026-09-30.
- Architects, Engineers, & Contractors Liability. Counterpart, Inc.; Retained provider source: A&E/contractor class examples, services, enhancements and illustrative limits; prior access 2026-09-28. Accessed 2026-09-28.
- Allied Medical & Healthcare Liability. Counterpart, Inc.; Retained provider source: names allied healthcare classes, combined coverage/enhancements and illustrative limits/examples; does not establish conventional malpractice for every medical profession or standalone general liability. Prior access 2026-09-28; direct reopen failed in this session. Accessed 2026-09-28.
- Lawyers Professional Liability Insurance. Counterpart, Inc.; Reopened 2026-09-30: page lines 4–8 names lawyer-focused product; lines 236–272 company-stated geographic reach, modular liability limit examples, professional services, technology/media extensions and GL alongside professional cover. Product terms remain policy-specific. Accessed 2026-09-30.
- How can I get insurance through Counterpart? Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28. Accessed 2026-09-28.
Sources for the 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.
