---
title: "Counterpart vs Zurich U.S.: Professional Liability (E&O) Insurance"
description: "Zurich describes modular Pro Plus E&O and names technology, manufacturing and third-party service providers as target classes; Counterpart lists distinct professional programs by occupation."
canonical: "https://spot.insure/compare/counterpart-vs-zurich/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "counterpart-vs-zurich"
provider-a: "counterpart"
provider-b: "zurich"
coverage-line: "professional-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/counterpart-vs-zurich/professional-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of Counterpart and Zurich U.S. 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 Zurich U.S.. 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 Zurich U.S. for Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, Counterpart or Zurich U.S.?
- What does Counterpart or Zurich U.S. 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 Zurich U.S.?

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: Counterpart and Zurich U.S..
- 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 Zurich U.S.](https://spot.insure/compare/counterpart-vs-zurich) — 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)
- [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) — provider profile (evidence)
- [Counterpart vs Zurich U.S. Crime Insurance](https://spot.insure/compare/counterpart-vs-zurich/crime) — sibling comparison (other line, or other pair for this line)
- [Counterpart vs Zurich U.S. D&O Insurance](https://spot.insure/compare/counterpart-vs-zurich/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Counterpart vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/counterpart-vs-zurich/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Counterpart vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/counterpart-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Counterpart vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/counterpart-vs-zurich/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 Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-zurich/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 Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/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 Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-zurich/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)

# Counterpart vs Zurich U.S.: How Do They Compare for Professional Liability (E&O) Insurance?

Zurich describes modular Pro Plus E&O and names technology, manufacturing and third-party service providers as target classes; Counterpart lists distinct professional programs by occupation.

## How to Use the Counterpart vs Zurich U.S. Professional Liability (E&O) Insurance Comparison

Use this comparison to evaluate Counterpart and Zurich U.S. 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 Zurich U.S. Professional Liability (E&O) Insurance Summary

Zurich describes Pro Plus as a modular E&O suite and names technology, manufacturing and third-party service providers among target classes; Counterpart lists separate miscellaneous, A&E/contractor, allied-health and lawyer programs. [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") [10](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance")

## 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)

## Zurich U.S. Business Insurance: Products, Access, and Claims

Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. [8](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [9](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.")

[Zurich U.S. profile](https://spot.insure/insurance-providers/zurich)

## 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. [11](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [12](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [13](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [14](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 Zurich U.S. Professional Liability (E&O) Insurance?

### Target Classes and Occupation Programs

Zurich names technology, manufacturing and third-party service providers among its targeted E&O classes. Counterpart lists distinct programs for miscellaneous professionals, architects, engineers and contractors, allied healthcare, and lawyers, with each page carrying its own occupation scope. The two records sort prospective risks differently: Zurich names selected industries and service-provider groups, while Counterpart publishes occupation-based program labels. A business with several activities should submit the full service description rather than relying on a broad industry label. [10](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") [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")

### Published Program Structure

Zurich describes Pro Plus as a modular suite of coverages in one policy. Counterpart describes distinct professional-liability programs and says its professional pages support modular limits with illustrative examples for selected professions. These are different structures to discuss with a broker: Zurich’s statement concerns a suite in one policy, while Counterpart’s refers to profession pages and selected limit options. Neither description determines the modules, limits or terms offered for a particular submission. [10](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [6](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance")

## What Should You Confirm in Counterpart and Zurich U.S. Professional Liability (E&O) Insurance Quotes?

- Zurich: ask which Pro Plus modules and target-class treatment apply to the submitted services. Counterpart: identify the occupation program and the quote-specific limits and retentions. [10](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [6](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance")

## Counterpart vs Zurich U.S. Professional Liability (E&O) Compared

| Criteria | Counterpart Professional Liability | Zurich Errors & Omissions / Professional Liability |
| --- | --- | --- |
| 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..) | Confirm in your quote. |
| 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..) | Zurich names technology, manufacturing and third-party service providers among targeted E&O classes. [10](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; professional errors and omissions; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) |
| 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..) | Zurich says E&O can address professional-service negligence, mistakes or failure to deliver promised services, including defense costs, court fees, settlements and judgments. [10](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; professional errors and omissions; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..)<br><br>Zurich’s Pro Plus is a modular suite of coverages in one policy; admitted E&O coverage is available in most states. [10](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; professional errors and omissions; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) |
| 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..) | Confirm in your quote. |
| Claims Support | Confirm in your quote. | Zurich describes E&O claims specialists and underwriters and says claims are reviewed under policy terms with legal counsel coordination. [10](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") (Evidence: Company-reported; scope: Zurich U.S. brand; exact underwriting company may vary by policy and state; professional errors and omissions; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms..) |

## Related Pages for Counterpart vs Zurich U.S.

- [Counterpart vs Zurich U.S.](https://spot.insure/compare/counterpart-vs-zurich): 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 Zurich U.S. Crime Insurance](https://spot.insure/compare/counterpart-vs-zurich/crime)
- [Counterpart vs Zurich U.S. D&O Insurance](https://spot.insure/compare/counterpart-vs-zurich/directors-officers)
- [Counterpart vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/counterpart-vs-zurich/employment-practices)
- [Counterpart vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/counterpart-vs-zurich/fiduciary)
- [Counterpart vs Zurich U.S. General Liability Insurance](https://spot.insure/compare/counterpart-vs-zurich/general-liability)
- [AIG vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-counterpart/professional-errors-omissions)
- [AIG vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-zurich/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 Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/professional-errors-omissions)
- [Aon vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-counterpart/professional-errors-omissions)
- [Aon vs Zurich U.S. Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-zurich/professional-errors-omissions)

## Sources for Counterpart vs Zurich U.S.

### 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 Zurich U.S.

8. [About Us | Zurich U.S. | Commercial Insurance](https://www.zurichna.com/about). Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
9. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers). Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
10. [Errors and Omissions Insurance – E&O | Zurich Insurance](https://www.zurichna.com/insurance/errors-and-omissions). Zurich U.S.; Pro Plus coverage, targeted classes, policy structure, claims and underwriting. Accessed 2026-09-28.

### Sources for the Professional Liability (E&O) Insurance Guide

11. [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.
12. [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.
13. [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.
14. [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).

## Zurich U.S. Review Scores for 2026

Review Score: not enough ratings.

The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.

- NerdWallet: editorial rating 4.5 (5). U.S. commercial rental-fleet insurance publisher review; editorial evaluation, not a consumer average or all-line Zurich result. Period: Page updated July 10, 2026. Checked 2026-09-29. [Best Insurance Companies for Car Rental Businesses](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance)
- Trustpilot: TrustScore 1.2 (5); 748 reviews. Global Zurich Insurance Group profile; mixed countries and products, not U.S. commercial-policyholder satisfaction. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Insurance Reviews](https://www.trustpilot.com/review/www.zurich.com)
- ConsumerAffairs: customer rating 1.0 (5); 72 reviews. U.S. Zurich North America/Property & Casualty profile; mixed products and customer populations, not line-specific commercial results. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Property & Casualty Insurance Reviews from Real Customers](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html)
- BBB: customer review rating 1.14 (5); 116 reviews. Customer-submitted reviews on the Zurich American Insurance Company profile; not a line-specific or representative policyholder survey. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich American Insurance Company Customer Reviews](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/zurich/reviews).

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