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 Foxquilt?
Foxquilt offers several online-marketed small-business lines, but its public pages do not resolve which U.S. entity places each risk or which insurer issues each policy. Compare the specific product, state, terms and named entities before deciding whether the digital route fits your business. 5,6
Read the Foxquilt 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. 8,9,10,11
Key Differences in Professional Liability (E&O) Insurance
Limits, Reporting Extensions and State Availability
Coterie lists per-claim MPL limits from $25,000 through $1 million, aggregates generally twice the per-claim amount, and a basic 60-day extended reporting period with longer options available for purchase. It also names states where the product is currently unavailable. Foxquilt’s public overview gives no buyer-specific limits or complete state list. Check Coterie’s state restriction first, then request Foxquilt’s actual declarations and reporting options for your jurisdiction. 4 7
Professional Services and Distribution
Coterie sells claims-made MPL through agents and brokers and lists many eligible professions, with some profession-specific exclusions. Foxquilt names technology and creative classes and describes financial-loss claims from professional advice. If your services combine consulting with a regulated profession, ask both providers to classify the actual work; the public category names do not settle eligibility or exclusions. 4 7
What to Confirm in Professional Liability (E&O) Insurance Quotes
Review Scores
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
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 reviewsFoxquilt
Review Score
3 rated sources
Customers rate Foxquilt well on Google (4.9 out of 5 from 526 reviews at its Charlotte office) and 3.5 out of 5 on Trustpilot from only 8 reviews. Put together, the Review Score is 8.9 out of 10.[12][5][6]
Read Foxquilt reviewsOffering Details
Coterie Insurance vs Foxquilt: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Coterie Miscellaneous Professional Liability (MPL) | Foxquilt Professional Liability / E&O |
|---|---|---|
| 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. | Foxquilt markets a Professional Liability / Errors & Omissions product. 7Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| 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. | The page names technology and creative classes among its target groups; it does not provide a complete eligibility list. 7Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| 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 page describes claims alleging financial loss caused by professional services or advice and labels the product claims-made. 7Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| 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. | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 7Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. |
| 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'. | The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. 7Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
Full Comparison
Other Professional Liability (E&O) Insurance Comparisons
Sources
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.
Foxquilt
- Commercial General Liability. Foxquilt; “What does CGL cover?”; “Foxquilt’s CGL is built for…”; digital quote/buy and certificates; “Built for North American small business”; limits FAQ; CGL exclusions FAQ. Directly reopened 2026-09-29, lines 53–64, 67–104, 135–215, 244–319. Accessed 2026-09-29.
- Foxquilt Insurance Services | Terms & Conditions. Foxquilt; Sections 1.1–1.2 identify Foxquilt Insurance Services Inc. as service operator; no reviewed Inc.–LLC relationship statement. Accessed 2026-09-29.
- Professional Liability (E&O). Foxquilt; E&O summary and claims-made label; coverage examples; “Tech & Creative” classes; digital quote/buy; North American availability; lines 22–29, 52–65, 99–120, 138–253. Accessed 2026-09-29.
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.
