Counterpart vs Pie Insurance: How Do They Compare for Professional Liability (E&O) Insurance?

Pie describes E&O allegations involving professional advice or services and gives examples of professions that often carry the line; Counterpart lists separate programs for miscellaneous, A&E/contractor, allied-health and lawyer classes. ^3,^4,^5,^6,¹¹

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. ^1,²

Read the Counterpart profile

Read the Counterpart Professional Liability (E&O) Insurance page

What Is Pie Insurance?

Pie suits small businesses seeking workers’ compensation with online quoting and pay-as-you-go billing based on reported payroll, without an initial deposit; firms needing a broad technology or executive program should look elsewhere. ^8,^9,¹⁰

Read the Pie Insurance profile

Read the Pie Insurance 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

Read the full coverage guide

Key Differences in Professional Liability (E&O) Insurance

Professional-Service Allegations

Pie describes E&O claims involving inaccurate advice, misrepresentation, negligence or violation of good faith that cause harm through a business’s advice or services. Counterpart’s MPL page gives service-related negligence and financial-loss examples; its lawyers page describes claims arising from legal services. These descriptions address allegations tied to professional work, but each is a marketing summary with its own examples. Compare the proposed wording against the same services and alleged harm rather than assuming the examples create equivalent coverage. ¹¹ ³ ⁶

Occupation Examples and Program Labels

Pie lists architects, contractors, attorneys, engineers, consultants, marketers, counselors and real-estate agents as professions that often carry E&O; its examples are not an exhaustive eligibility list. Counterpart labels separate offerings for miscellaneous professionals, A&E/contractors, allied healthcare and lawyers. For a firm whose operations span more than one service category, these descriptions make it useful to present the same full activity list to both quote channels and ask which class wording is being considered. ¹¹ ³ ⁴ ⁵ ⁶

What to Confirm in Professional Liability (E&O) Insurance Quotes

Pie: confirm whether the proposed class includes the actual services and review the form’s treatment of the relevant allegations. Counterpart: identify the occupation program that will be quoted for those same operations. ¹¹ ³ ⁶

Counterpart and Pie Insurance 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.

Counterpart Review Score

-/ 10

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 reviews

Pie Insurance Review Score

1.7/ 10

Review Score

2 rated sources

Pie’s service record raises clear concerns: elevated regulator complaints reported by NerdWallet, 1.7/5 on Trustpilot and an F from BBB. Investigate billing, cancellation and complaint handling before buying.^[1]^[4]^[6]

Read Pie Insurance reviews

Counterpart vs Pie Insurance Professional Liability (E&O) Compared

Counterpart vs Pie Insurance: Professional Liability (E&O) Insurance: documented features by provider

Criteria	Counterpart Professional Liability	Pie Errors and Omissions Insurance
Role in This Line	Counterpart describes its product distribution through Counterpart Insurance Services, Inc. and wholesale brokers. ^1,⁷Company-reported. The cited marketing pages do not identify the insurer for a particular professional-liability risk or state.	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. ¹¹Company-reported. Errors and Omissions product page as read on 2026-09-23.
Issuing Insurer	Confirm in your quote.	The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's errors and omissions product. ¹¹Not publicly disclosed. Errors and Omissions product page as read on 2026-09-23.
Who It’s For	Counterpart lists distinct professional-liability programs for miscellaneous professionals, architects/engineers/contractors, allied healthcare and lawyers. ^3,^4,^5,⁶Company-reported. Each page has its own occupation scope; no single eligibility rule applies across all four products.	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. ¹¹Company-reported. Errors and Omissions product page as read on 2026-09-23; not an exhaustive eligibility list.
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. ^6,³Company-reported. These are distinct program summaries and do not establish identical policy triggers or coverages.	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. ¹¹Company-reported. Errors and Omissions product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions.
Limits and Retentions	Counterpart says its professional pages support modular limits and presents sample limits and retentions for selected professions. ^3,⁶Company-reported. Published examples are illustrative, not terms available to a particular applicant.	The reviewed page does not publish limits, deductibles, or premium ranges for errors and omissions coverage. ¹¹Not publicly disclosed. Errors and Omissions product page as read on 2026-09-23.
How to Apply	Confirm in your quote.	Pie directs errors and omissions buyers to contact the company to start a quote through its website. ¹¹Company-reported. Errors and Omissions product page as read on 2026-09-23.

Related Pages for Counterpart vs Pie Insurance

Professional Liability (E&O) Pages for Counterpart and Pie Insurance

Other Coverage Lines Compared for Counterpart vs Pie Insurance

General Liability Insurance

Other Professional Liability (E&O) Insurance Provider Comparisons

Sources for Counterpart vs Pie Insurance

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 About 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.

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.