--- title: "Embroker vs Pie Insurance: Professional Liability (E&O) Insurance" description: "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." canonical: "https://spot.insure/compare/embroker-vs-pie-insurance/professional-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "embroker-vs-pie-insurance" provider-a: "embroker" provider-b: "pie-insurance" 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. 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[Human-readable page](https://spot.insure/compare/embroker-vs-pie-insurance/professional-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Embroker and Pie Insurance 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 Embroker versus Pie Insurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Embroker vs Pie Insurance for Professional Liability (E&O) Insurance: how do they differ? - Which is better for Professional Liability (E&O) Insurance, Embroker or Pie Insurance? - What does Embroker or Pie Insurance publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Professional Liability (E&O) Insurance. Providers: Embroker and Pie Insurance. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - 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; last updated 2026-09-25. **Related pages:** - [Embroker vs Pie Insurance](https://spot.insure/compare/embroker-vs-pie-insurance) — all coverage lines for this pair - [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — how this coverage works - [Embroker profile](https://spot.insure/insurance-providers/embroker) — provider profile - [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) — provider profile # 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 E&O page names criminal prosecution as excluded; Embroker's professional liability page instead excludes cyberattacks and employment claims. ## Embroker vs Pie Insurance Professional Liability (E&O) Insurance Summary 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](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") [1](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") ## 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. [2](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") 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](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") 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](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") ### Starting a Quote Pie's page directs buyers to contact the company through its website to start a quote. [2](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") 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](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") ## 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](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") [1](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") - Get the limit and retention on your quote from each; neither publishes figures publicly. [2](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") [1](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") - Ask Pie which carrier partner would actually issue your policy, since its page names the category but not a specific insurer. [2](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") - Ask Embroker whether your deductible would be aggregate or first-dollar-defense, a structure choice Pie's page doesn't mention at all. [1](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") ## Embroker vs Pie Insurance Professional Liability (E&O) Compared | 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. [1](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") (Evidence: Company-reported; scope: 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. [2](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") (Evidence: Company-reported; scope: 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. [2](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") (Evidence: Company-reported; scope: 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). [1](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") (Evidence: Company-reported; scope: 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. [2](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: 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. [1](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") (Evidence: Company-reported; scope: 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. [2](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Errors and Omissions product page as read on 2026-09-23..) | ## About Embroker and Pie Insurance and Professional Liability (E&O) - [Embroker company profile](https://spot.insure/insurance-providers/embroker) · [Embroker customer reviews](https://spot.insure/insurance-providers/embroker/reviews) - [Pie Insurance company profile](https://spot.insure/insurance-providers/pie-insurance) · [Pie Insurance customer reviews](https://spot.insure/insurance-providers/pie-insurance/reviews) - [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions) ## Related Pages for Embroker vs Pie Insurance - [Embroker vs Pie Insurance](https://spot.insure/compare/embroker-vs-pie-insurance): 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. - [Embroker Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/embroker/professional-errors-omissions) - [Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/pie-insurance/professional-errors-omissions) ## Sources for Embroker vs Pie Insurance ### Sources About Embroker 1. [Professional Liability Insurance Coverage & Quotes](https://www.embroker.com/coverage/professional-liability-insurance/). Embroker; Why it's essential; Who needs this coverage; What is Professional Liability insurance?; What's covered; What's not included; Do I need Professional Liability insurance if I already have General Liability coverage?; Does it have a deductible?. Accessed 2026-09-23. ### Sources About Pie Insurance 2. [Errors and Omissions Insurance](https://www.pieinsurance.com/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. Updated 2026-09-25. 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. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/embroker-vs-pie-insurance/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)