---
title: "Hiscox vs Pie Insurance: Professional Liability (E&O) Insurance"
description: "Pie names specific covered claim types and a criminal-prosecution exclusion for its E&O policy, while Hiscox's page describes the claims-made structure of a policy it underwrites and sells directly."
canonical: "https://spot.insure/compare/hiscox-vs-pie-insurance/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "hiscox-vs-pie-insurance"
provider-a: "hiscox"
provider-b: "pie-insurance"
coverage-line: "professional-errors-omissions"
---

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

## Agent Guide

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

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

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

Hiscox sells professional liability directly online, while Pie Insurance presents itself as an intermediary using carrier partners and starts a quote on its website, naming architects, contractors and consultants among professionals who often carry E&O.

Pie names four covered claim types and a criminal-prosecution exclusion; Hiscox's page centers on its claims-made structure instead.

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

Pie names specific covered claim types and a criminal-prosecution exclusion for its E&O policy, while Hiscox's page describes the claims-made structure of a policy it underwrites and sells directly. [5](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") [2](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq "What is Professional Liability Insurance?")

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

### Who Carries the Risk

Hiscox names Hiscox Insurance Company Inc. as the underwriter of its admitted professional liability policies and sells the product directly online. [4](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") Pie says it helps small businesses get E&O coverage from unnamed insurance carrier partners rather than underwriting the policy itself. [5](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance")

When comparing Hiscox and Pie Insurance, decide whether you want direct access to an insurer or a broker who can help structure and shop the placement.

### What the Policy Names as Covered

Pie's page describes the specific claim types its coverage responds to and one thing it explicitly does not cover:

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. [5](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..)

Hiscox's coverage description centers on the claims-made structure of the policy, meaning a claim is covered only if it's made while the policy is active, without naming specific claim types or exclusions. [2](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq "What is Professional Liability Insurance?")

### 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. [5](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") Hiscox instead targets small businesses buying online broadly, licensed for sale in 49 states and Washington, D.C., excluding Alaska. [1](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses")

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

- Ask Pie which of its unnamed carrier partners would underwrite your specific policy. [5](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance")
- Confirm whether Hiscox sells this product directly in your state, since it excludes Alaska. [1](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses")
- Ask Pie whether the coverage extends to regulatory or licensing-board proceedings, given its stated criminal-prosecution exclusion. [5](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. [5](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") [2](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq "What is Professional Liability Insurance?")

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

| Criteria | Hiscox Professional Liability Insurance | Pie Errors and Omissions Insurance |
| --- | --- | --- |
| Who It’s For | Hiscox says professional liability is licensed for sale in 49 states and Washington, D.C., excluding Alaska, and that if it does not sell the product online in a buyer's state, a specialist broker may be able to help instead. [1](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [4](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") (Evidence: Company-reported; scope: Company-stated jurisdiction for the online small-business catalogue; the appetite guide's technology classes (IT consultants, software development) illustrate typical buyers but do not guarantee acceptance for any one applicant..) | 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. [5](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 | Hiscox says eligible buyers can quote and buy professional liability online, with licensed advisors available by phone during posted hours for questions during the process. [1](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") (Evidence: Company-reported; scope: Company-described online application; eligibility and binding conditions require confirmation on the actual application..) | Pie directs errors and omissions buyers to contact the company to start a quote through its website. [5](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 | Hiscox describes professional liability as a claims-made policy, meaning a claim is covered only if it is made (and typically reported) while the policy is active, rather than an occurrence policy covering incidents regardless of when the claim surfaces. [2](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq "What is Professional Liability Insurance?") (Evidence: Company-reported; scope: Product FAQ description; exact triggers, retroactive dates, exclusions and wording are set by the issued policy..) | 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. [5](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 | Hiscox Inc., a licensed insurance intermediary, sells professional liability (errors and omissions) coverage directly online to small businesses as part of its Hiscox NOW admitted small-business catalogue. [3](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [1](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") (Evidence: Company-reported; scope: Company-stated online small-business channel..) | 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. [5](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 Hiscox and Pie Insurance and Professional Liability (E&O)

- [Hiscox company profile](https://spot.insure/insurance-providers/hiscox) · [Hiscox customer reviews](https://spot.insure/insurance-providers/hiscox/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 Hiscox vs Pie Insurance Professional Liability (E&O)

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

## Sources for Hiscox vs Pie Insurance

### Sources About Hiscox

1. [Professional Liability Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/professional-liability-insurance). Hiscox; Professional liability/E&O product; licensed in 49 states and Washington, D.C. (Alaska excluded); specialist-broker assistance if not licensed in a state; licensed-advisor hours. Accessed 2026-09-16.
2. [What is Professional Liability Insurance?](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq). Hiscox; Claims-made description; current-customer claim number described as open 24 hours a day, 7 days a week. Accessed 2026-09-16.
3. [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance). Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent. Accessed 2026-09-16.
4. [Hiscox US Agent Appetite Guide](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf). Hiscox; Hiscox NOW admitted GL, PL, cyber and BOP underwritten by Hiscox Insurance Company Inc.; technology classes including IT consultants and software development. Accessed 2026-09-16.

### Sources About Pie Insurance

5. [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/hiscox-vs-pie-insurance/professional-errors-omissions.md)
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