---
title: "Heffernan Insurance Brokers vs Pie Insurance: Professional Liability (E&O) Insurance"
description: "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."
canonical: "https://spot.insure/compare/heffernan-vs-pie-insurance/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "heffernan-vs-pie-insurance"
provider-a: "heffernan"
provider-b: "pie-insurance"
coverage-line: "professional-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/heffernan-vs-pie-insurance/professional-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of Heffernan Insurance Brokers 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 Heffernan Insurance Brokers 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:**
- Heffernan Insurance Brokers vs Pie Insurance for Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, Heffernan Insurance Brokers or Pie Insurance?
- What does Heffernan Insurance Brokers or Pie Insurance publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: Heffernan Insurance Brokers 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:**
- [Heffernan Insurance Brokers vs Pie Insurance](https://spot.insure/compare/heffernan-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
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile
- [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) — provider profile

# 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 and a criminal-prosecution exclusion for E&O; Heffernan's page describes the coverage in general terms.

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

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](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

## 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. [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..)

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](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

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](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") 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](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

### Starting a Quote

Pie directs buyers to contact the company to start an E&O quote through its website. [2](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") 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](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

## 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](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance")
- Ask Heffernan which claim types and exclusions apply to the policy it places, since its page names neither. [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")
- Ask Pie whether the coverage extends to regulatory or licensing-board proceedings, given its stated criminal-prosecution exclusion. [2](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance")
- Ask both firms for the policy limit and retention, since neither publishes figures. [2](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance")

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

| 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. [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: 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. [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 | 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. [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: 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. [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 | 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. [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: 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. [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 | Heffernan lists errors and omissions among the coverages its small-business division places for clients, shopping the line with insurers rather than underwriting it. [1](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: 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. [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 Heffernan Insurance Brokers and Pie Insurance

- [Heffernan Insurance Brokers company profile](https://spot.insure/insurance-providers/heffernan) · [Heffernan Insurance Brokers customer reviews](https://spot.insure/insurance-providers/heffernan/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 Heffernan Insurance Brokers vs Pie Insurance

- [Heffernan Insurance Brokers vs Pie Insurance](https://spot.insure/compare/heffernan-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.
- [Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/heffernan/professional-errors-omissions)
- [Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/pie-insurance/professional-errors-omissions)

## Sources for Heffernan Insurance Brokers vs Pie Insurance

### Sources About Heffernan Insurance Brokers

1. [Small Business Insurance](https://www.heffins.com/business-insurance/small-business/). Heffernan Insurance Brokers; The types of coverage we can provide include... Errors and omissions protects against claims for problems with your product or service that result in a financial loss; industries served list; Specialty Programs; contact for custom-designed packages. 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

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