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

Pie Insurance is an intermediary using carrier partners and starts quotes through its website, citing architects, contractors and real estate agents. Embroker sells professional liability as a standalone product with an online quote and deductible choices.

Pie's errors and omissions page says the policy does not protect against criminal prosecution. Embroker's professional liability page instead lists cyberattacks, data breaches and employment discrimination claims among what it excludes. ^2,¹

What Are the Key Differences Between Embroker and Pie Insurance Professional Liability (E&O) Insurance?

What Each Page Rules Out

Pie's page names claim types the policy responds to and a specific carve-out:

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. ²Company-reported. Errors and Omissions product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions.

Embroker's page names a different set of exclusions entirely: no personal injury or property damage, no cyberattacks or data breaches, no employee injuries, and no employment discrimination claims. ¹

When comparing Embroker and Pie Insurance, focus on which documented approach removes more uncertainty before the quote.

Who Each Names as a Typical Buyer

Pie names architects, contractors, attorneys, engineers, consultants, marketers, counselors and real estate agents as professionals who often carry E&O. ² Embroker instead names accountants, bookkeepers, consultants, real estate agents, home inspectors, and IT and healthcare professionals, while noting lawyers and doctors typically use specialized malpractice coverage instead. ¹

Starting a Quote

Pie's page directs buyers to contact the company through its website to start a quote. ² Embroker instead offers an online quote through its own digital platform, weighing business size, industry risk, location and claims history without a described contact step. ¹

What Should You Confirm in Embroker and Pie Insurance Professional Liability (E&O) Insurance Quotes?

Ask both companies to name the issuing insurer; Pie's page refers only to unnamed carrier partners, and Embroker's page doesn't address it either. ² ¹
Get the limit and retention on your quote from each; neither publishes figures publicly. ² ¹
Ask Pie which carrier partner would actually issue your policy, since its page names the category but not a specific insurer. ²
Ask Embroker whether your deductible would be aggregate or first-dollar-defense, a structure choice Pie's page doesn't mention at all. ¹

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

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

Criteria	Embroker Professional Liability Insurance	Pie Errors and Omissions Insurance
Who It’s For	Embroker markets the policy to anyone who provides professional advice or services for a fee, listing accountants, bookkeepers, consultants, real estate agents, home inspectors, and IT and healthcare professionals as example buyers, while noting lawyers and doctors typically use specialized malpractice coverage instead. ¹Company-reported. Product-page eligibility and industry-example sections; not a guarantee of coverage for a particular business.	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. ²Company-reported. Errors and Omissions product page as read on 2026-09-23; not an exhaustive eligibility list.
How to Apply	Embroker offers an online quote for professional liability through its digital platform, describing underwriting factors including business size, industry risk, location and claims history. ¹Company-reported. Product-page 'Quick quotes' feature and cost-factor list; no quote was requested during this research.	Pie directs errors and omissions buyers to contact the company to start a quote through its website. ²Company-reported. Errors and Omissions product page as read on 2026-09-23.
Coverage Features	Embroker lists coverage for claims of errors, omissions or negligence, failing to meet expected standards or deadlines, false or misleading statements, breach of contractual obligations, and attorney fees from covered claims. ¹Company-reported. Product-page What's covered section; the issued policy and declarations control. Embroker says the policy does not cover personal injury or property damage (handled by general liability), cyberattacks and data breaches (some tech E&O policies offer limited cyber coverage, but full protection needs a separate cyber policy), employee injuries, or employee discrimination claims (handled by EPLI). ¹Company-reported. Product-page What's not included and 'Do I need Professional Liability insurance if I already have General Liability coverage?' sections.	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. ²Company-reported. Errors and Omissions product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions.
Role in This Line	Embroker sells professional liability, also called errors and omissions insurance, as a standalone product for professional-services businesses, separate from its lawyers professional liability program and its bundled technology E&O/cyber product. ¹Company-reported. Product-page description; not a statement about the issuing insurer.	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. ²Company-reported. Errors and Omissions product page as read on 2026-09-23.