Marsh vs 
Pie Insurance Professional Liability (E&O) Insurance
Pie documents a criminal-prosecution exclusion for E&O; Marsh's pages describe enterprise industries without a comparable exclusions list.
What Is Marsh?
Marsh is a global insurance broker and risk advisor. In the United States it places coverage through core Marsh teams and through Marsh McLennan Agency for many middle-market buyers, including technology, cyber, property, casualty and benefits programs. 1,2,3,4
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. 7,8,9
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. 11,12,13,14
Key Differences in Professional Liability (E&O) Insurance
Who Each Page Names as a Fit
Pie names specific professions: architects, contractors, attorneys, engineers, consultants, marketers, counselors and real estate agents, noting some states or clients require proof of coverage. 10 Marsh instead names enterprise verticals: banking and broker/dealers, insurance companies and asset managers, venture capital, accountants, attorneys, architects and engineers, media and entertainment, technology, and healthcare and biotechnology. 5
A Stated Exclusion on One Side
Pie's page states an exclusion directly:
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. 10Company-reported. Errors and Omissions product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions.
Marsh's professional liability page describes the coverage as protecting against liability and defense costs from claims alleging an error, omission or negligence, and notes many policies also cover privacy violations and computer security breaches, but the reviewed page does not address criminal prosecution one way or the other. 5
Reaching Each Company
Pie 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. 10 Marsh's page instead describes a specialist team of attorneys, economists and actuaries assessing exposure, reflecting a brokered, consultative process rather than a direct-to-website quote start. 5
What to Confirm in Professional Liability (E&O) Insurance Quotes
- Ask Pie which of its carrier partners would issue your policy, since the page names only "carrier partners" generally. 10
- Ask Marsh which insurer it intends to place your policy with, since its pages don't name one. 5
- Confirm the full exclusions list with Pie beyond criminal prosecution. 10
- Neither reviewed page publishes limits, deductibles or premium ranges; get both in writing. 10 5
Offering Details
Marsh vs Pie Insurance Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Marsh Professional Liability Insurance Brokerage | Pie Errors and Omissions Insurance |
|---|---|---|
| Role in This Line | Marsh's financial and professional liability practice places professional liability (errors and omissions) insurance; MMA also places E&O coverage within its executive and professional liability practice for middle-market clients. 5,6Company-reported. Marsh professional liability page and MMA executive and professional liability page. | 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. 10Company-reported. Errors and Omissions product page as read on 2026-09-23. |
| Issuing Insurer | The reviewed pages do not name a specific professional liability insurer. 5,6Not publicly disclosed. Marsh professional liability page and MMA executive and professional liability page as read on 2026-09-23. | The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's errors and omissions product. 10Not publicly disclosed. Errors and Omissions product page as read on 2026-09-23. |
| Who It’s For | Marsh names specialized industries its professional liability experts serve, including banking and broker/dealers, insurance companies and asset managers, merchant banking and venture capital, accountants, attorneys, architects and engineers, media and entertainment, technology, and healthcare and biotechnology. 5Company-reported. Marsh professional liability page, What We Offer section. | 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. 10Company-reported. Errors and Omissions product page as read on 2026-09-23; not an exhaustive eligibility list. |
| Coverage Features | Marsh says professional liability coverage can protect a company against liability and defense costs from a claim alleging an error, omission or negligence in performing professional services, and that many policies also cover privacy violations and computer security breaches. 5Company-reported. Marsh professional liability page opening description; illustrative policy description, not a specific policy form. | 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. 10Company-reported. Errors and Omissions product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions. |
| Limits and Retentions | Not described in the reviewed sources. | The reviewed page does not publish limits, deductibles, or premium ranges for errors and omissions coverage. 10Not publicly disclosed. Errors and Omissions product page as read on 2026-09-23. |
| Risk Services | Marsh says it employs attorneys, economists and actuaries alongside coverage specialists to assess a client's professional liability exposure from multiple angles, given the complexity of these risks. 5Company-reported. Marsh professional liability page. | Not described in the reviewed sources. |
| How to Apply | Not described in the reviewed sources. | Pie directs errors and omissions buyers to contact the company to start a quote through its website. 10Company-reported. Errors and Omissions product page as read on 2026-09-23. |
Full Comparison
More Marsh vs Pie Insurance Comparisons
Other Professional Liability (E&O) Insurance Comparisons
Sources
Marsh
- Marsh | Leader in risk, strategy, people, and investments. Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
- Compensation guide for US clients. Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
- Marsh McLennan Agency (MMA). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
- Technology | Insurance Broking & Risk Management. Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
- Professional liability. Marsh; Opening description; What We Offer: specialized industries served (banking, insurance/asset managers, merchant banking/venture capital, accountants/attorneys/architects/engineers, media/communications/entertainment, technology, healthcare/biotechnology). Accessed 2026-09-23.
- Expert Executive and Professional Liability Insurance. Marsh McLennan Agency; Our policies include D&O, E&O, EPL, commercial crime/fidelity, network security privacy risk/cyber, fiduciary, media liability, IP, architects and engineers, lawyers professional, and kidnap and ransom. Accessed 2026-09-23.
Pie Insurance
- Legal. Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
- Workers’ Comp Insurance For Small Businesses. 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.
- 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.
- 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
- FAQ: Professional liability insurance. 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.
- 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.
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Professional Liability – US Direct Errors and Omissions Insurance. 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.
