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

Pie Insurance suits small businesses wanting an intermediary to find a carrier, with architects, contractors and consultants named as typical buyers; Relm Insurance offers general and specialized E&O for emerging sectors such as space, AI and biotech.

Pie places one E&O product across professions such as architects and consultants; Relm offers separate products for accountants, consultants and emerging industries. ^1,²

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

Broad Professions Versus Specialized Products

Pie describes one E&O product for a range of small businesses. ¹ Relm names separate accountant and consultant products and also identifies sectors such as space and digital assets, giving buyers more specific product paths. ²

Accountants Coverage

Pie names accountants only in passing, as a general observation that attorneys, engineers, consultants and other professionals often carry E&O; it does not describe a dedicated accountants product. ¹ Relm instead describes a distinct Accountants Errors and Omissions product covering misconduct accusations, financial misstatements, miscalculations and late filings, separate from its general E&O line. ²

Who Each Company Targets

Pie names architects, contractors, attorneys, engineers, consultants, marketers, counselors and real estate agents as professionals who often carry E&O. ¹ Relm targets clients in emerging sectors such as space, digital assets, AI and biotech, plus a Miscellaneous E&O option for niche fields like robotics consulting and space logistics that don't fit an established category. ²

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

Ask Relm which of its E&O products applies to your business, since the general line and niche products, such as Accountants E&O, are not interchangeable. ²
Ask Pie to name the specific carrier partner that would issue your policy, since its page names none. ¹
Neither company's reviewed pages publish limits, deductibles or premium ranges; ask both for specific figures. ¹ ²
If you're in a regulated field such as law or financial services, ask Relm whether a legal or regulatory mandate applies in your jurisdiction. ²

Pie Insurance vs Relm Insurance Professional Liability (E&O) Compared

Pie Insurance vs Relm Insurance: Professional Liability (E&O) Insurance: documented features by provider

Criteria	Pie Errors and Omissions Insurance	Relm Errors and Omissions Insurance
Who It’s For	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. ¹Company-reported. Errors and Omissions product page as read on 2026-09-23; not an exhaustive eligibility list.	Relm targets clients in emerging sectors such as space, digital assets, AI and biotech, describing general E&O as protection for the provision of specialized products, advice or services, and Miscellaneous E&O for niche fields like robotics consulting and space logistics that don't fit an established category. ²Company-reported. Professional Lines page framing; not a guarantee of eligibility for a particular company. Relm notes that some professionals, including attorneys, are required by federal or state law to carry errors and omissions insurance, and that Financial Institutions Professional Indemnity is mandated by some regulators, including the UK's Financial Conduct Authority. ²Company-reported. Professional Lines page; general regulatory context, not a jurisdiction-specific legal determination for a particular buyer.
Coverage Features	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. ¹Company-reported. Errors and Omissions product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions.	Relm says its general E&O line covers claims of professional negligence, mistakes or faulty recommendations, and failure to deliver on agreed services, while Consultants E&O specifically defends against allegations of negligence, poor advice or failure to deliver adequate services. ²Company-reported. Professional Lines page general description; the issued policy and declarations control. Relm describes a distinct Accountants Errors and Omissions product covering misconduct accusations, financial misstatements, miscalculations, late filings, and in some cases breach of contract, including legal defense costs, settlements and damages. ²Company-reported. Professional Lines page 'Accountants Errors and Omissions' section; a related but separate product from Relm's general E&O line.
Role in This Line	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. ¹Company-reported. Errors and Omissions product page as read on 2026-09-23.	Relm groups a family of professional liability products under Professional Lines and Errors and Omissions, distinguishing a general E&O line from specialized versions for accountants, consultants, financial institutions, lawyers, lenders, media, trust/fund administrators and other niches. ²Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. This record covers the general 'Errors and Omissions' and 'Consultants' and 'Miscellaneous' entries; Relm's media and lawyers E&O sub-products are addressed in separate offering records where scoped.

Criteria

Pie Errors and Omissions Insurance

Relm Errors and Omissions Insurance

Who It’s For

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. ¹Company-reported. Errors and Omissions product page as read on 2026-09-23; not an exhaustive eligibility list.

Relm targets clients in emerging sectors such as space, digital assets, AI and biotech, describing general E&O as protection for the provision of specialized products, advice or services, and Miscellaneous E&O for niche fields like robotics consulting and space logistics that don't fit an established category. ²Company-reported. Professional Lines page framing; not a guarantee of eligibility for a particular company.

Relm notes that some professionals, including attorneys, are required by federal or state law to carry errors and omissions insurance, and that Financial Institutions Professional Indemnity is mandated by some regulators, including the UK's Financial Conduct Authority. ²Company-reported. Professional Lines page; general regulatory context, not a jurisdiction-specific legal determination for a particular buyer.

Coverage Features

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. ¹Company-reported. Errors and Omissions product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions.

Relm says its general E&O line covers claims of professional negligence, mistakes or faulty recommendations, and failure to deliver on agreed services, while Consultants E&O specifically defends against allegations of negligence, poor advice or failure to deliver adequate services. ²Company-reported. Professional Lines page general description; the issued policy and declarations control.

Relm describes a distinct Accountants Errors and Omissions product covering misconduct accusations, financial misstatements, miscalculations, late filings, and in some cases breach of contract, including legal defense costs, settlements and damages. ²Company-reported. Professional Lines page 'Accountants Errors and Omissions' section; a related but separate product from Relm's general E&O line.

Role in This Line

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. ¹Company-reported. Errors and Omissions product page as read on 2026-09-23.

Relm groups a family of professional liability products under Professional Lines and Errors and Omissions, distinguishing a general E&O line from specialized versions for accountants, consultants, financial institutions, lawyers, lenders, media, trust/fund administrators and other niches. ²Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. This record covers the general 'Errors and Omissions' and 'Consultants' and 'Miscellaneous' entries; Relm's media and lawyers E&O sub-products are addressed in separate offering records where scoped.