--- title: "Counterpart vs Kinro: Professional Liability (E&O) Insurance" description: "Counterpart lists separate professional programs, while Kinro’s E&O intake records the services, clients, contracts and prior claims a carrier will assess." canonical: "https://spot.insure/compare/counterpart-vs-kinro/professional-errors-omissions" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "counterpart-vs-kinro" provider-a: "counterpart" provider-b: "kinro" coverage-line: "professional-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/counterpart-vs-kinro/professional-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Counterpart and Kinro for Professional Liability (E&O) Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Professional Liability (E&O) Insurance questions about Counterpart versus Kinro. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Counterpart vs Kinro for Professional Liability (E&O) Insurance: how do they differ? - Which is better for Professional Liability (E&O) Insurance, Counterpart or Kinro? - What does Counterpart or Kinro publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Professional Liability (E&O) Insurance from Counterpart or Kinro? **Key facts:** - Line: Professional Liability (E&O) Insurance. Providers: Counterpart and Kinro. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [Counterpart vs Kinro](https://spot.insure/compare/counterpart-vs-kinro) — parent: all coverage lines for this pair - [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — coverage explainer for this line - [Counterpart profile](https://spot.insure/insurance-providers/counterpart) — provider profile (evidence) - [Kinro profile](https://spot.insure/insurance-providers/kinro) — provider profile (evidence) - [Counterpart vs Kinro D&O Insurance](https://spot.insure/compare/counterpart-vs-kinro/directors-officers) — sibling comparison (other line, or other pair for this line) - [Counterpart vs Kinro General Liability Insurance](https://spot.insure/compare/counterpart-vs-kinro/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-counterpart/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Kinro Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-kinro/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Kinro Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-kinro/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Aon vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-counterpart/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Aon vs Kinro Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-kinro/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) # Counterpart vs Kinro: How Do They Compare for Professional Liability (E&O) Insurance? Counterpart lists separate professional programs, while Kinro’s E&O intake records the services, clients, contracts and prior claims a carrier will assess. ## How to Use the Counterpart vs Kinro Professional Liability (E&O) Insurance Comparison Use this comparison to evaluate Counterpart and Kinro for Professional Liability (E&O) Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Counterpart vs Kinro Professional Liability (E&O) Insurance Summary Counterpart names occupation-specific programs; Kinro collects operational and prior-claims details for professional-liability submissions and says it matches risks to carrier appetite. [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [4](https://yourcounterpart.com/products/architects-and-engineers "Architects, Engineers, & Contractors Liability") [5](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") [6](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") [11](https://kinro.com/products/professional-liability "Professional Liability / E&O") ## 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. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [2](https://yourcounterpart.com/about "About Counterpart") [Counterpart profile](https://spot.insure/insurance-providers/counterpart) ## What Is Kinro Insurance? Kinro fits U.S. small businesses that want a free review of an existing policy or renewal packet and agent help comparing quotes online. Its pages don't name the insurer behind a given quote, so ask which markets Kinro approached before you switch. [8](https://kinro.com/ "Kinro Business Insurance") [9](https://kinro.com/policy-review "Free Review Of Your Insurance Policy") [10](https://kinro.com/partners/carriers "For Carriers And MGAs") [Kinro profile](https://spot.insure/insurance-providers/kinro) ## 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](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [13](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [14](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [15](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance") ## What Are the Key Differences Between Counterpart and Kinro Professional Liability (E&O) Insurance? ### Program List and Submission Detail Counterpart identifies separate programs for miscellaneous professionals, architects and engineers, allied healthcare, and lawyers. Kinro’s Quote file section asks about services, client types, revenue, contract terms, prior claims and retroactive dates. That gives applicants a different starting checklist: identify the relevant Counterpart occupation program, or assemble Kinro’s requested exposure details for market review. [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [4](https://yourcounterpart.com/products/architects-and-engineers "Architects, Engineers, & Contractors Liability") [5](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") [6](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") [11](https://kinro.com/products/professional-liability "Professional Liability / E&O") ### Who Determines Market Fit Kinro describes itself as a broker that matches a business to a carrier based on operation and appetite; Counterpart describes distribution through its producer and wholesale brokers. Ask Kinro which carrier considered the listed operations, and ask the Counterpart broker which occupation program is being submitted. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [7](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") [11](https://kinro.com/products/professional-liability "Professional Liability / E&O") ## What Should You Confirm in Counterpart and Kinro Professional Liability (E&O) Insurance Quotes? - Kinro: which services, customer types, contract terms and prior claims were included in the submission? Counterpart: which occupation program and insurer appear on the proposal? [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [4](https://yourcounterpart.com/products/architects-and-engineers "Architects, Engineers, & Contractors Liability") [5](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") [6](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") [11](https://kinro.com/products/professional-liability "Professional Liability / E&O") ## Counterpart vs Kinro Professional Liability (E&O) Insurance Compared | Criteria | Counterpart Professional Liability | Kinro Professional Liability / E&O | | --- | --- | --- | | Role in This Line | Counterpart describes its product distribution through Counterpart Insurance Services, Inc. and wholesale brokers. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [7](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") (Evidence: Company-reported; scope: The cited marketing pages do not identify the insurer for a particular professional-liability risk or state..) | Kinro is a broker: it matches a business to a professional liability/E&O carrier rather than underwriting the policy itself, saying the product "can underwrite differently" by operation and that market fit depends on carrier appetite. [11](https://kinro.com/products/professional-liability "Professional Liability / E&O") (Evidence: Company-reported; scope: Professional Liability / E&O page "Routing" and "Market fit" sections..) | | Who It’s For | Counterpart lists distinct professional-liability programs for miscellaneous professionals, architects/engineers/contractors, allied healthcare and lawyers. [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [4](https://yourcounterpart.com/products/architects-and-engineers "Architects, Engineers, & Contractors Liability") [5](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") [6](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") (Evidence: Company-reported; scope: Each page has its own occupation scope; no single eligibility rule applies across all four products..) | Kinro says this coverage commonly fits consultants, agencies, tech services and professional firms, and typically comes up when clients rely on the business's professional advice or deliverables, or a contract requires E&O or professional liability. [11](https://kinro.com/products/professional-liability "Professional Liability / E&O") (Evidence: Company-reported; scope: Professional Liability / E&O page "Common fit" and "Triggers" sections..) | | Coverage Features | The Lawyers Professional Liability page describes claims arising from lawyers’ professional services; the MPL page gives service-related negligence and financial-loss examples. [6](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") (Evidence: Company-reported; scope: These are distinct program summaries and do not establish identical policy triggers or coverages..) | Kinro describes professional liability/E&O as addressing claims tied to alleged errors, omissions, missed deadlines or service mistakes, and says it covers defense and claim-handling questions that a general liability policy may not address. [11](https://kinro.com/products/professional-liability "Professional Liability / E&O") (Evidence: Company-reported; scope: Professional Liability / E&O page introduction and "Coverage" section; actual terms depend on the carrier and policy placed..) | | Limits and Retentions | Counterpart says its professional pages support modular limits and presents sample limits and retentions for selected professions. [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [6](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") (Evidence: Company-reported; scope: Published examples are illustrative, not terms available to a particular applicant..) | The reviewed page does not publish limits, retentions or premiums for professional liability/E&O; amounts would appear on a quote. [11](https://kinro.com/products/professional-liability "Professional Liability / E&O") (Evidence: Not found in reviewed sources; scope: Professional Liability / E&O page as read on 2026-09-23..) | | How to Apply | Confirm in your quote. | To quote professional liability/E&O, Kinro collects the services provided, client types, revenue and contract terms, prior claims and retroactive dates, and whether the business handles regulated, technical, financial or operational advice, and often reviews it together with cyber, general liability and D&O coverage. [11](https://kinro.com/products/professional-liability "Professional Liability / E&O") (Evidence: Company-reported; scope: Professional Liability / E&O page "Quote file" and "Reviewed with" sections..) | ## Related Pages for Counterpart vs Kinro Professional Liability (E&O) - [Counterpart vs Kinro](https://spot.insure/compare/counterpart-vs-kinro): all coverage lines, business roles, service and claims. - [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms. - [Counterpart vs Kinro D&O Insurance](https://spot.insure/compare/counterpart-vs-kinro/directors-officers) - [Counterpart vs Kinro General Liability Insurance](https://spot.insure/compare/counterpart-vs-kinro/general-liability) - [AIG vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-counterpart/professional-errors-omissions) - [AIG vs Kinro Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-kinro/professional-errors-omissions) - [Alliance Risk vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/professional-errors-omissions) - [Alliance Risk vs Kinro Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-kinro/professional-errors-omissions) - [Aon vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-counterpart/professional-errors-omissions) - [Aon vs Kinro Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-kinro/professional-errors-omissions) ## Sources for Counterpart vs Kinro ### Sources About Counterpart 1. [Counterpart | Agentic Insurance™](https://yourcounterpart.com/). 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. 2. [About Counterpart](https://yourcounterpart.com/about). 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. 3. [Professional & General Liability](https://yourcounterpart.com/products/miscellaneous-professional). 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. 4. [Architects, Engineers, & Contractors Liability](https://yourcounterpart.com/products/architects-and-engineers). Counterpart, Inc.; Retained provider source: A&E/contractor class examples, services, enhancements and illustrative limits; prior access 2026-09-28.. Accessed 2026-09-28. 5. [Allied Medical & Healthcare Liability](https://yourcounterpart.com/products/allied-healthcare). 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. 6. [Lawyers Professional Liability Insurance](https://yourcounterpart.com/products/lawyers-professional-liability). 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. 7. [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-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 About Kinro 8. [Kinro Business Insurance](https://kinro.com/). Kinro; Hero; Clear guidance before you buy; industry groups; carrier-logo strip; Insurance expertise; FAQs on follow-up, purchase obligation and AI; footer. Accessed 2026-09-15. 9. [Free Review Of Your Insurance Policy](https://kinro.com/policy-review). Kinro; Introductory price/coverage claim and step 1 of 2 upload panel; accepted documents and file limits. Accessed 2026-09-15. 10. [For Carriers And MGAs](https://kinro.com/partners/carriers). Kinro; Product access; API integration; approvals paragraph after Dormant lead recovery. Accessed 2026-09-15. 11. [Professional Liability / E&O](https://kinro.com/products/professional-liability). Kinro; Common fit; Product file; Coverage — What it usually handles; Triggers — When it comes up; Quote file — Inputs carriers usually need; Routing — Match the product to the operation; Market fit. Accessed 2026-09-23. ### Sources for the Professional Liability (E&O) Insurance Guide 12. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). 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. 13. [Professional liability insurance](https://www.iii.org/article/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. 14. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16. 15. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). 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. Updated 2026-10-01. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Counterpart Review Scores for 2026 Review Score: not enough ratings. 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. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/counterpart/reviews). ## Kinro Review Scores for 2026 Review Score: not enough ratings. We found no independent customer reviews of Kinro. It shows a 5.0 Google rating on its own website, but there is no review count or listing behind it. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/kinro/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/counterpart-vs-kinro/professional-errors-omissions.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)