Coterie Insurance vs 
Pie Insurance Professional Liability (E&O) Insurance
Pie states one specific exclusion, criminal prosecution; Coterie's base form lists several exclusions covering bodily injury, fraud and contractual liability.
What Is Coterie Insurance?
Coterie Insurance is a managing general agency and digital small-business insurance platform built for licensed agents and distribution partners. It markets business owner's, standalone general liability and miscellaneous professional liability policies, with optional endorsements for eligible risks. 1,2,3
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. 5,6,7
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. 9,10,11,12
Key Differences in Professional Liability (E&O) Insurance
One Named Exclusion Versus a Published List
Pie describes errors and omissions insurance as covering legal fees, costs and damages for claims of inaccurate advice, misrepresentation, negligence or violation of good faith, but says it does not protect against criminal prosecution. 8 Coterie's base form instead publishes a fuller list of exclusions:
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.
Named Professions Versus a Longer Named List
Pie names architects, contractors, attorneys, engineers, consultants, marketers, counselors and real estate agents as professionals who often carry E&O insurance. 8 Coterie lists a longer set of eligible professions for MPL, including accounting services, architects and engineers, bookkeeping, human resources consulting, interior design, property management, and technology services/IT consulting. 4
How You Reach a Quote
Pie directs errors and omissions buyers to contact the company to start a quote through its website. 8 Coterie's MPL is distributed only through agents and brokers using Coterie's own quoting platform, also without a self-serve online path described. 4
What to Confirm in Professional Liability (E&O) Insurance Quotes
- Ask Pie for its full exclusions list beyond criminal prosecution, since the reviewed page names only that one. 8
- Ask an agent or broker whether your profession carries an additional exclusion in Coterie's base form beyond the general list. 4
- Get published limit figures from both; Pie's page doesn't show them, while Coterie publishes exact each-claim tiers up to $1,000,000. 8 4
- Get the issuing insurer from both; Pie names only "insurance carrier partners" and Coterie's brochure names only the policy form. 8 4
Offering Details
Coterie Insurance vs Pie Insurance Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Coterie Miscellaneous Professional Liability (MPL) | Pie Errors and Omissions Insurance |
|---|---|---|
| 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. | 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. 8Company-reported. Errors and Omissions product page as read on 2026-09-23. |
| 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. | The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's errors and omissions product. 8Not publicly disclosed. Errors and Omissions product page as read on 2026-09-23. |
| 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. | 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. 8Company-reported. Errors and Omissions product page as read on 2026-09-23; not an exhaustive eligibility list. |
| 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. | 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. 8Company-reported. Errors and Omissions product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions. |
| 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 reviewed page does not publish limits, deductibles, or premium ranges for errors and omissions coverage. 8Not publicly disclosed. Errors and Omissions product page as read on 2026-09-23. |
| 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'. | Pie directs errors and omissions buyers to contact the company to start a quote through its website. 8Company-reported. Errors and Omissions product page as read on 2026-09-23. |
Full Comparison
More Coterie Insurance vs Pie Insurance Comparisons
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.
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.
