--- title: "Markel Insurance vs Pie Insurance: Professional Liability (E&O) Insurance" description: "Markel states a $2 million maximum for miscellaneous E&O and a $5 million revenue ceiling; Pie routes E&O through carrier partners." canonical: "https://spot.insure/compare/markel-vs-pie-insurance/professional-errors-omissions" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "markel-vs-pie-insurance" provider-a: "markel" 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. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/markel-vs-pie-insurance/professional-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Markel Insurance 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 Markel Insurance versus Pie Insurance. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Markel Insurance vs Pie Insurance for Professional Liability (E&O) Insurance: how do they differ? - Which is better for Professional Liability (E&O) Insurance, Markel Insurance or Pie Insurance? - What does Markel Insurance or Pie Insurance publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Professional Liability (E&O) Insurance from Markel Insurance or Pie Insurance? **Key facts:** - Line: Professional Liability (E&O) Insurance. Providers: Markel Insurance and Pie Insurance. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Markel Insurance vs Pie Insurance](https://spot.insure/compare/markel-vs-pie-insurance) — parent: all coverage lines for this pair - [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — coverage explainer for this line - [Markel Insurance profile](https://spot.insure/insurance-providers/markel) — provider profile (evidence) - [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) — provider profile (evidence) - [Markel Insurance vs Pie Insurance Cyber Insurance](https://spot.insure/compare/markel-vs-pie-insurance/cyber) — sibling comparison (other line, or other pair for this line) - [Markel Insurance vs Pie Insurance General Liability Insurance](https://spot.insure/compare/markel-vs-pie-insurance/general-liability) — sibling comparison (other line, or other pair for this line) - [Markel Insurance vs Pie Insurance Workers’ Compensation Insurance](https://spot.insure/compare/markel-vs-pie-insurance/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Markel Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-markel/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-pie-insurance/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Markel Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-markel/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-pie-insurance/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Aon vs Markel Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-markel/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Aon vs Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-pie-insurance/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) # Markel Insurance vs Pie Insurance: How Do They Compare for Professional Liability (E&O) Insurance? Markel states a $2 million maximum for miscellaneous E&O and a $5 million revenue ceiling; Pie routes E&O through carrier partners. ## How to Use the Markel Insurance vs Pie Insurance Professional Liability (E&O) Insurance Comparison Use this comparison to evaluate Markel Insurance 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. ## Markel Insurance vs Pie Insurance Professional Liability (E&O) Insurance Summary Markel describes miscellaneous E&O for targeted small businesses up to $5 million in revenue, with a stated maximum of $2 million. Pie identifies itself as an intermediary placing E&O through carrier partners and lists a broader range of professional examples. [3](https://www.markel.com/us/commercial/professional-and-management-liability/probiz "ProBiz | Professional Liability Coverage") [7](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") ## Markel Insurance: Specialty Business and Products Markel Insurance is Markel Group's specialty and small-business insurance business, with offerings across packages, workers' compensation, cyber, professional and management liability, property, marine, and surety. Products use different insurers and distribution routes, so compare the issuer and terms shown on the specific quote. [1](https://www.markel.com/about-us "About us") [2](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K") [Markel Insurance profile](https://spot.insure/insurance-providers/markel) ## What Is Pie Insurance? Pie suits small businesses seeking workers’ compensation with online quoting and pay-as-you-go billing based on reported payroll, without an initial deposit; firms needing a broad technology or executive program should look elsewhere. [4](https://www.pieinsurance.com/legal "Legal") [5](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [6](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 liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [8](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [9](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [10](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [11](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance") ## What Are the Key Differences Between Markel Insurance and Pie Insurance Professional Liability (E&O) Insurance? ### Published Limits and Buyer Profile Markel puts two useful boundaries on its miscellaneous E&O offer: businesses up to $5 million in revenue and coverage stated up to $2 million. Those figures help a smaller professional business screen fit, though neither guarantees the limit or eligibility on an issued policy. [3](https://www.markel.com/us/commercial/professional-and-management-liability/probiz "ProBiz | Professional Liability Coverage") Pie's reviewed E&O page instead names professions including architects, attorneys, engineers, consultants, marketers, counselors, and real estate agents; it does not give a comparable revenue ceiling or limit. If your business sits near Markel's revenue cap, ask Pie's carrier partners to quote the same requested limit so you can compare actual appetite. [7](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") ### How the Placement Is Arranged Markel invites a buyer or broker to contact its team about the product, while Pie says it helps small businesses obtain E&O from insurance-carrier partners. The distinction affects who selects the insurer and whose quote documents identify the carrier: ask Markel for the issuing entity and ask Pie which partner would write your risk. Neither page establishes a bind time. [3](https://www.markel.com/us/commercial/professional-and-management-liability/probiz "ProBiz | Professional Liability Coverage") [7](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") ## What Should You Confirm in Markel Insurance and Pie Insurance Professional Liability (E&O) Insurance Quotes? - Ask Markel whether your revenue and profession fit its stated miscellaneous E&O appetite and what limit below its $2 million product maximum it will offer. [3](https://www.markel.com/us/commercial/professional-and-management-liability/probiz "ProBiz | Professional Liability Coverage") - Ask Pie which carrier partner would insure your profession, the available limit and retention, and whether its quote covers the specific advice or services you provide. [7](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") ## Markel Insurance vs Pie Insurance Professional Liability (E&O) Compared | Criteria | Markel professional errors omissions (official overview) | Pie Errors and Omissions Insurance | | --- | --- | --- | | Role in This Line | Markel describes offering professional errors omissions for the audience stated on the cited product page. [3](https://www.markel.com/us/commercial/professional-and-management-liability/probiz "ProBiz | Professional Liability Coverage") (Evidence: Company-reported; scope: professional errors omissions marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | 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. [7](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 | Confirm in your quote. | The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's errors and omissions product. [7](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 | Small businesses in ProBiz's targeted industries; source describes businesses up to $5 million revenue for the miscellaneous E&O product. [3](https://www.markel.com/us/commercial/professional-and-management-liability/probiz "ProBiz | Professional Liability Coverage") (Evidence: Company-reported; scope: professional errors omissions marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | 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. [7](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 | The cited product page describes miscellaneous E&O for covered claims arising from professional services, with the page describing separate E&O and management-liability products. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [3](https://www.markel.com/us/commercial/professional-and-management-liability/probiz "ProBiz | Professional Liability Coverage") (Evidence: Company-reported; scope: professional errors omissions marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | 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. [7](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 | For its miscellaneous E&O product, Markel states coverage up to $2 million; this is a product-page maximum, not a promise that every applicant or quote receives that amount. [3](https://www.markel.com/us/commercial/professional-and-management-liability/probiz "ProBiz | Professional Liability Coverage") (Evidence: Company-reported; scope: Markel ProBiz miscellaneous E&O marketing page; class, underwriting, policy terms, and actual quoted limit control..) | The reviewed page does not publish limits, deductibles, or premium ranges for errors and omissions coverage. [7](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 | The page invites prospective customers or brokers to contact Markel or the named underwriting team. The page does not establish a quote, bind, or coverage-effective timeline. [3](https://www.markel.com/us/commercial/professional-and-management-liability/probiz "ProBiz | Professional Liability Coverage") (Evidence: Company-reported; scope: professional errors omissions marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | Pie directs errors and omissions buyers to contact the company to start a quote through its website. [7](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..) | ## Related Pages for Markel Insurance vs Pie Insurance - [Markel Insurance vs Pie Insurance](https://spot.insure/compare/markel-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. - [Markel Insurance vs Pie Insurance Cyber Insurance](https://spot.insure/compare/markel-vs-pie-insurance/cyber) - [Markel Insurance vs Pie Insurance General Liability Insurance](https://spot.insure/compare/markel-vs-pie-insurance/general-liability) - [Markel Insurance vs Pie Insurance Workers’ Compensation Insurance](https://spot.insure/compare/markel-vs-pie-insurance/workers-compensation) - [AIG vs Markel Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-markel/professional-errors-omissions) - [AIG vs Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-pie-insurance/professional-errors-omissions) - [Alliance Risk vs Markel Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-markel/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) - [Aon vs Markel Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-markel/professional-errors-omissions) - [Aon vs Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-pie-insurance/professional-errors-omissions) ## Sources for Markel Insurance vs Pie Insurance ### Sources About Markel Insurance 1. [About us](https://www.markel.com/about-us). Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc.. Accessed 2026-09-28. 2. [Markel Group Inc. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm). U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28. 3. [ProBiz | Professional Liability Coverage](https://www.markel.com/us/commercial/professional-and-management-liability/probiz). Markel; Miscellaneous E&O; types of covered professional-service errors; ProBiz target classes and process.. Accessed 2026-09-30. ### Sources About Pie Insurance 4. [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. 5. [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. 6. [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. 7. [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. ### Sources for the Professional Liability (E&O) Insurance Guide 8. [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. 9. [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. 10. [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. 11. [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 2026-09-30. 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. ## Markel Insurance Review Scores for 2026 Review Score: 7.5 / 10 from 2 rated sources, equally weighted. There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years. - J.D. Power: Commercial Lines Insurers agent satisfaction score 726 (out of 1,000). 2022 commercial-lines independent-agent satisfaction study and 2025 small-commercial customer study; these use different populations and measures Period: 2022. Checked 2026-09-29. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/press-releases/2025-us-small-commercial-insurance-study); [2022 U.S. Independent Agent Satisfaction Study](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf) - Trustpilot: TrustScore 2.5 (out of 5); 5 reviews. Trustpilot brand-level page for markel.com. It mixes products and is not mapped to one legal insurer. Checked 2026-09-29. [Markel Reviews](https://www.trustpilot.com/review/markel.com) - BBB: BBB business grade A+. BBB business profile for Markel Insurance Company headquarters/corporate-owned locations; review and complaint submissions may include other products and affiliates Checked 2026-09-29. [Markel Insurance Company Business Profile](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547); [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints) - BBB: Complaints 12; 12 reviews. BBB profile for Markel Insurance Company; complaints may include other Markel products and affiliates and BBB says not all submissions are displayed. Period: last 3 years, as displayed 2026-09-29. Checked 2026-09-29. [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/markel/reviews). ## Pie Insurance Review Scores for 2026 Review Score: 1.7 / 10 from 2 rated sources, equally weighted. Pie’s service record raises clear concerns: elevated regulator complaints reported by NerdWallet, 1.7/5 on Trustpilot and an F from BBB. Investigate billing, cancellation and complaint handling before buying. - Trustpilot: TrustScore 1.7 (5 stars); 666 reviews. Brand-level Trustpilot consumer reviews; policy product is generally identified as workers’ compensation, but reviewer policy/entity scope varies. Checked 2026-09-25. [Pie Insurance Reviews - Trustpilot](https://www.trustpilot.com/review/www.pieinsurance.com) - BBB: BBB Rating F (BBB letter grade). BBB profile for commercial insurance services; BBB grade and complaint-response record, not policy performance measure. Period: BBB profile reports 15 complaints filed, 13 unanswered; complaint data, not reviews. Checked 2026-09-25. [Pie Insurance Services | BBB Business Profile](https://www.bbb.org/us/dc/washington/profile/commercial-insurance-services/pie-insurance-services-0241-236060990) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/pie-insurance/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/markel-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)