---
title: "Mylo vs Pie Insurance Professional Liability (E&O) Insurance"
description: "Pie documents a criminal-prosecution exclusion for E&O; Mylo's page describes claim triggers without a comparable exclusions list."
canonical: "https://spot.insure/compare/mylo-vs-pie-insurance/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

Pie documents a criminal-prosecution exclusion for E&O; Mylo's page describes claim triggers without a comparable exclusions list.

## Research Scope and Use

Use this comparison to evaluate Mylo 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

Pie places E&O for named professions like architects and consultants through carrier partners and states the policy excludes criminal prosecution, while Mylo compares E&O quotes for small businesses and explains claims-made versus occurrence forms. [8](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") [3](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance")

## What Is Mylo Insurance?

Mylo is an independent insurance broker for small and growing businesses. It recommends coverage and compares available quotes from multiple carriers online or with a licensed advisor; the insurer named on the resulting policy provides the coverage. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [2](https://choosemylo.com/our-story "About Mylo")

[Mylo profile](https://spot.insure/insurance-providers/mylo)

## 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

### Named Professions Versus Small-Business Examples

Pie names specific professions: architects, contractors, attorneys, engineers, consultants, marketers, counselors and real estate agents, noting some states or clients require proof of coverage. [8](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") Mylo's page instead uses small-business examples — app development, financial planning, beauty-salon services — to illustrate who could face a claim. [3](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance")

### A Stated Exclusion on One Side

Pie's page states an exclusion directly, something Mylo's page does not address:

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..)

Mylo's page instead describes what triggers a claim — breach of contract, bodily injury or property damage, financial-loss, and consequential-damages claims. [3](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance")

### Policy Form Explained on One Side

Mylo's page walks through claims-made versus occurrence forms and explains that tail coverage can be added to a claims-made policy to extend reporting after it ends. [3](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") Pie's page names the policy as covering inaccurate advice, misrepresentation, negligence and violation of good faith but does not include a comparable claims-made or tail-coverage explanation. [8](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance")

## 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. [8](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance")
- Ask Mylo whether the quote it finds for you is claims-made or occurrence, and what a tail endorsement would cost. [3](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance")
- Confirm the full exclusions list with Pie beyond criminal prosecution. [8](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance")
- Neither reviewed page publishes limits, deductibles or premium ranges; get both in writing. [8](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") [3](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance")

## Offering Details

| Criteria | Mylo Professional Liability Insurance | Pie Errors and Omissions Insurance |
| --- | --- | --- |
| Role in This Line | Mylo brokers professional liability insurance by comparing quotes from multiple business insurance companies rather than underwriting the policy itself. [3](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Professional liability product 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. [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 | The professional liability product page and Mylo's carrier-contact directory do not name the insurer that would issue a professional liability policy; the directory groups carriers under generic Auto & Home and Business categories only. [3](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") [4](https://choosemylo.com/contact-your-carrier "Contact Your Carrier") (Evidence: Not publicly disclosed; scope: Checked the professional liability product page and the carrier-contact directory on 2026-09-23; neither ties a named carrier to this line..) | 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 | Mylo markets this line to businesses that could face a claim from a client unhappy with their professional services, using examples spanning app development, financial planning and beauty-salon services. [3](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Product page examples; a particular business's eligibility depends on underwriting..) | 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 | Mylo describes the policy responding to breach-of-contract claims, bodily injury or property damage claims, financial-loss claims, and consequential-damages claims arising from a client relationship. [3](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Product page coverage descriptions; actual insuring agreements and exclusions are set by the issued policy..)<br><br>Mylo explains that professional liability comes in claims-made and occurrence forms, and that tail coverage can be added to a claims-made policy to extend reporting after it ends. [3](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Product page FAQ; which form and tail terms are offered depends on the placed carrier..) | 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 | Not described in the reviewed sources. | 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 | Mylo says it recommends coverage customized to the business and compares professional liability quotes from top-rated business insurance companies to find a combination of coverage and price. [3](https://choosemylo.com/business/product-professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Product page "How will Mylo find me the right policy?" section..) | 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..) |
| Claims Support | Mylo's carrier-contact page lists claims phone numbers by carrier for Auto & Home and Business policies generally, but does not identify a professional-liability-specific claims contact or process. [4](https://choosemylo.com/contact-your-carrier "Contact Your Carrier") (Evidence: Not found in reviewed sources; scope: Carrier-contact directory checked 2026-09-23; entries are organized by carrier and general product category, not by coverage line..) | Not described in the reviewed sources. |

## Full Comparison

- [Mylo vs Pie Insurance](https://spot.insure/compare/mylo-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.
- [Mylo vs Pie Insurance Business Owner’s Policy](https://spot.insure/compare/mylo-vs-pie-insurance/business-owners-policy)
- [Mylo vs Pie Insurance Cyber Insurance](https://spot.insure/compare/mylo-vs-pie-insurance/cyber)
- [Mylo vs Pie Insurance General Liability Insurance](https://spot.insure/compare/mylo-vs-pie-insurance/general-liability)
- [Mylo vs Pie Insurance Workers’ Compensation Insurance](https://spot.insure/compare/mylo-vs-pie-insurance/workers-compensation)
- [Alliance Risk vs Mylo Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-mylo/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 Mylo Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-mylo/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 Mylo Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-mylo/professional-errors-omissions)
- [Beazley vs Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-pie-insurance/professional-errors-omissions)

## Sources

### Mylo

1. [Small Business Insurance](https://choosemylo.com/business/business-insurance). Mylo; Hero; What Insurance Does A Small Business Need (Business Owners Policy listing); Get My Quote; Business Insurance FAQs; commercial-product navigation; footer legal disclosure. Accessed 2026-09-16.
2. [About Mylo](https://choosemylo.com/our-story). Mylo; Your Digital One-Stop Shop; The Broker Advantage; Proven Heritage, Powerful Future; About Mylo FAQs. Accessed 2026-09-15.
3. [Professional Liability Insurance](https://choosemylo.com/business/product-professional-liability). Mylo; Professional Liability? But I Do Good Work; What does professional liability cover?; Professional liability FAQs (claims-made vs. occurrence, tail coverage); How will Mylo find me the right policy?. Accessed 2026-09-23.
4. [Contact Your Carrier](https://choosemylo.com/contact-your-carrier). Mylo; Carrier contact list grouped by Auto & Home, Business and Claims; no professional-liability-specific entry. 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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