---
title: "Kinro vs Pie Insurance Professional Liability (E&O) Insurance"
description: "Pie's page names a criminal-prosecution exclusion for E&O that Kinro's page does not address either way."
canonical: "https://spot.insure/compare/kinro-vs-pie-insurance/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Kinro vs Pie Insurance Professional Liability (E&O) Insurance

Pie's page names a criminal-prosecution exclusion for E&O that Kinro's page does not address either way.

## Research Scope and Use

Use this comparison to evaluate Kinro and Pie Insurance for Professional Liability (E&O) Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Kinro brokers E&O for consultants, agencies and tech-services firms by matching submissions to carrier appetite, while Pie places coverage for professions like architects and consultants through named carrier partners and documents that it excludes criminal prosecution. [4](https://kinro.com/products/professional-liability "Professional Liability / E&O") [8](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance")

## What Is Kinro Insurance?

Kinro helps U.S. small businesses identify insurance needs and shop available coverage through an agency. Buyers can start online, request a policy review, or contact the team for help. [1](https://kinro.com/ "Kinro Business Insurance") [2](https://kinro.com/policy-review "Free Review Of Your Insurance Policy") [3](https://kinro.com/contact "Contact Kinro")

[Kinro profile](https://spot.insure/insurance-providers/kinro)

## What Is Pie Insurance?

Pie Insurance sells and administers small-business commercial insurance, with affiliated carriers writing its workers’ compensation program and outside carrier partners supporting selected other products. Businesses can start a workers’ compensation quote online or use an agent, then manage documents, certificates, billing, audits and claim reporting through Pie’s service channels. [5](https://www.pieinsurance.com/legal "Legal") [6](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [7](https://www.pieinsurance.com/resource-center/online-account-tutorial "Online Account Tutorial")

[Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance)

## What Is Professional Errors and Omissions (E&O) Insurance?

Professional errors and omissions (E&O) insurance, also called professional liability insurance, addresses claims that professional services or advice caused a client financial loss. What's covered depends on the services actually scheduled in the policy, not the product label alone. [9](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [10](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [11](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [12](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance")

## Key Differences in Professional Liability (E&O) Insurance

### Who Each Page Names as a Fit

Kinro names general fit categories for this line: consultants, agencies, tech services and professional firms, saying it commonly comes up when clients rely on the business's advice or deliverables, or a contract requires it. [4](https://kinro.com/products/professional-liability "Professional Liability / E&O") Pie names specific professions instead: architects, contractors, attorneys, engineers, consultants, marketers, counselors and real estate agents, and notes some states or clients require proof of coverage. [8](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance")

### A Named Exclusion on One Side

Pie's page states plainly what the policy will not do:

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. [8](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..)

Kinro's reviewed page describes what the coverage addresses — errors, omissions, missed deadlines, service mistakes — but does not separately address criminal prosecution one way or the other. [4](https://kinro.com/products/professional-liability "Professional Liability / E&O")

### Reaching a Carrier

Kinro's page describes a submission intake reviewed by Kinro before it is routed to a carrier by appetite. [4](https://kinro.com/products/professional-liability "Professional Liability / E&O") Pie's page instead says it helps small businesses get coverage from its insurance carrier partners and directs buyers to contact the company to start a quote through its website. [8](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance")

## What to Confirm in Professional Liability (E&O) Insurance Quotes

- Ask Kinro which carrier fits your operation and what appetite factors drove that match. [4](https://kinro.com/products/professional-liability "Professional Liability / E&O")
- Ask Pie which of its carrier partners would issue your policy, since the page names only "carrier partners" generally. [8](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance")
- Confirm the full exclusions list with Pie beyond criminal prosecution, and ask Kinro's matched carrier for its exclusions list too. [8](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") [4](https://kinro.com/products/professional-liability "Professional Liability / E&O")
- Neither publishes limits, deductibles or premium ranges; get both in writing. [4](https://kinro.com/products/professional-liability "Professional Liability / E&O") [8](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance")

## Offering Details

| Criteria | Kinro Professional Liability / E&O | Pie Errors and Omissions Insurance |
| --- | --- | --- |
| Role in This Line | Kinro is a broker: it matches a business to a professional liability/E&O carrier rather than underwriting the policy itself, saying the product "can underwrite differently" by operation and that market fit depends on carrier appetite. [4](https://kinro.com/products/professional-liability "Professional Liability / E&O") (Evidence: Company-reported; scope: Professional Liability / E&O page "Routing" and "Market fit" sections..) | 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. [8](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..) |
| Issuing Insurer | Not described in the reviewed sources. | The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's errors and omissions product. [8](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Not publicly disclosed; scope: Errors and Omissions product page as read on 2026-09-23..) |
| Who It’s For | Kinro says this coverage commonly fits consultants, agencies, tech services and professional firms, and typically comes up when clients rely on the business's professional advice or deliverables, or a contract requires E&O or professional liability. [4](https://kinro.com/products/professional-liability "Professional Liability / E&O") (Evidence: Company-reported; scope: Professional Liability / E&O page "Common fit" and "Triggers" sections..) | 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. [8](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..) |
| Coverage Features | Kinro describes professional liability/E&O as addressing claims tied to alleged errors, omissions, missed deadlines or service mistakes, and says it covers defense and claim-handling questions that a general liability policy may not address. [4](https://kinro.com/products/professional-liability "Professional Liability / E&O") (Evidence: Company-reported; scope: Professional Liability / E&O page introduction and "Coverage" section; actual terms depend on the carrier and policy placed..) | 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. [8](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..) |
| Limits and Retentions | The reviewed page does not publish limits, retentions or premiums for professional liability/E&O; amounts would appear on a quote. [4](https://kinro.com/products/professional-liability "Professional Liability / E&O") (Evidence: Not found in reviewed sources; scope: Professional Liability / E&O page as read on 2026-09-23..) | The reviewed page does not publish limits, deductibles, or premium ranges for errors and omissions coverage. [8](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Not publicly disclosed; scope: Errors and Omissions product page as read on 2026-09-23..) |
| How to Apply | To quote professional liability/E&O, Kinro collects the services provided, client types, revenue and contract terms, prior claims and retroactive dates, and whether the business handles regulated, technical, financial or operational advice, and often reviews it together with cyber, general liability and D&O coverage. [4](https://kinro.com/products/professional-liability "Professional Liability / E&O") (Evidence: Company-reported; scope: Professional Liability / E&O page "Quote file" and "Reviewed with" sections..) | Pie directs errors and omissions buyers to contact the company to start a quote through its website. [8](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..) |

## Full Comparison

- [Kinro vs Pie Insurance](https://spot.insure/compare/kinro-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 E&O insurance addresses claims that a mistake in your advice or services caused a client financial loss.
- [Kinro vs Pie Insurance Business Owner’s Policy](https://spot.insure/compare/kinro-vs-pie-insurance/business-owners-policy)
- [Kinro vs Pie Insurance Cyber Insurance](https://spot.insure/compare/kinro-vs-pie-insurance/cyber)
- [Kinro vs Pie Insurance General Liability Insurance](https://spot.insure/compare/kinro-vs-pie-insurance/general-liability)
- [Kinro vs Pie Insurance Workers’ Compensation Insurance](https://spot.insure/compare/kinro-vs-pie-insurance/workers-compensation)
- [Alliance Risk vs Kinro Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-kinro/professional-errors-omissions)
- [Alliance Risk vs Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-pie-insurance/professional-errors-omissions)
- [At-Bay vs Kinro Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-kinro/professional-errors-omissions)
- [At-Bay vs Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-pie-insurance/professional-errors-omissions)
- [Beazley vs Kinro Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-kinro/professional-errors-omissions)
- [Beazley vs Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-pie-insurance/professional-errors-omissions)

## Sources

### Kinro

1. [Kinro Business Insurance](https://kinro.com/). Kinro; Hero; Clear guidance before you buy; industry groups; carrier-logo strip; Insurance expertise; FAQs on follow-up, purchase obligation and AI; footer. Accessed 2026-09-15.
2. [Free Review Of Your Insurance Policy](https://kinro.com/policy-review). Kinro; Introductory price/coverage claim and step 1 of 2 upload panel; accepted documents and file limits. Accessed 2026-09-15.
3. [Contact Kinro](https://kinro.com/contact). Kinro; Opening policy-support description; direct contact channels and message form. Accessed 2026-09-15.
4. [Professional Liability / E&O](https://kinro.com/products/professional-liability). Kinro; Common fit; Product file; Coverage — What it usually handles; Triggers — When it comes up; Quote file — Inputs carriers usually need; Routing — Match the product to the operation; Market fit. Accessed 2026-09-23.

### Pie Insurance

5. [Legal](https://www.pieinsurance.com/legal). Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
6. [Workers’ Comp Insurance For Small Businesses](https://www.pieinsurance.com/workers-comp). Pie Insurance; Get a workers’ compensation quote online; insurance made for your small business; quote inputs; coverage description; quote-time and savings qualifications; AM Best link. Accessed 2026-09-16.
7. [Online Account Tutorial](https://www.pieinsurance.com/resource-center/online-account-tutorial). Pie Insurance; Payment-method updates; instant and custom certificates; policy information; document access; agent-handled custom certificate qualification. Accessed 2026-09-15.
8. [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.

### Professional Liability (E&O) Insurance Guide

9. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
10. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
11. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
12. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.

Updated 2026-09-23. 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.

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