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

Pie Insurance, an intermediary using carrier partners, names architects, contractors, consultants and agents as typical E&O buyers. Heffernan Insurance Brokers serves sole proprietors through growing companies in construction, food, hospitality and more.

Pie names four specific claim types its E&O coverage responds to and states it excludes criminal prosecution, while Heffernan's page describes the coverage only in general terms. ^2,¹

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

How Specifically Each Describes Coverage

Pie describes errors and omissions insurance as covering legal fees, costs, and damages for claims that a business's advice or services caused harm, naming inaccurate advice, misrepresentation, negligence, and violation of good faith as covered claim types, and states the policy does not protect against criminal prosecution:

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.

Heffernan's reviewed page describes the coverage more generally, as protecting against claims for problems with a product or service that result in a client financial loss, without naming specific claim types or exclusions. ¹

When comparing Heffernan Insurance Brokers and Pie Insurance, use the published detail to screen for fit, then compare the quoted form, exclusions, and limits before buying.

Which Professionals Each Names

Pie names architects, contractors, attorneys, engineers, consultants, marketers, counselors, and real estate agents as professionals who often carry E&O insurance. ² Heffernan names a different, broader small-business list, spanning construction, food, health care, hospitality, nonprofits, real estate, technology, transportation, and vintners and growers, and offers to build a custom package for industries not listed. ¹

Starting a Quote

Pie directs buyers to contact the company to start an E&O quote through its website. ² Heffernan directs buyers to contact its small-business division directly, a similar first step, though Heffernan's page additionally describes custom-designing a package when a client's industry isn't already on its list. ¹

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

Ask Pie which of its unnamed carrier partners would underwrite your specific policy. ²
Ask Heffernan which claim types and exclusions apply to the policy it places, since its page names neither. ¹
Ask Pie whether the coverage extends to regulatory or licensing-board proceedings, given its stated criminal-prosecution exclusion. ²
Ask both firms for the policy limit and retention, since neither publishes figures. ² ¹

Heffernan Insurance Brokers vs Pie Insurance Professional Liability (E&O) Compared

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

Criteria	Heffernan Professional Errors and Omissions Brokerage	Pie Errors and Omissions Insurance
Who It’s For	Heffernan's small-business division says it serves sole proprietors through fast-growing companies across industries including construction, food, health care, hospitality, nonprofits, real estate, technology, transportation, and vintners and growers, and will custom-design a package for industries not listed. ¹Company-reported. Small Business Insurance page as read on 2026-09-23; not exclusively E&O-specific, but describes the buyer base for the page listing this coverage.	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	Heffernan directs small-business buyers to contact the firm's small-business division to request a quote and says it will research and build a custom package for industries not already listed. ¹Company-reported. Small Business Insurance page as read on 2026-09-23.	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	Heffernan describes errors and omissions coverage as protecting against claims for problems with a company's product or service that result in a financial loss to a client. ¹Company-reported. Small Business Insurance page as read on 2026-09-23; the page does not list specific exclusions, claims-made versus occurrence form, or endorsements.	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	Heffernan lists errors and omissions among the coverages its small-business division places for clients, shopping the line with insurers rather than underwriting it. ¹Company-reported. Small Business Insurance page as read on 2026-09-23; no dedicated professional-E&O product page was found.	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.