---
title: "Pie Insurance vs TechInsurance Professional Liability (E&O) Insurance"
description: "TechInsurance publishes a median E&O premium and claims-made mechanics that Pie's page doesn't address."
canonical: "https://spot.insure/compare/pie-insurance-vs-techinsurance/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

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

TechInsurance publishes a median E&O premium and claims-made mechanics that Pie's page doesn't address.

## Research Scope and Use

Use this comparison to evaluate Pie Insurance and TechInsurance 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

TechInsurance discloses a median E&O premium of $88 a month and explains claims-made policy mechanics, while Pie's page publishes no premium figures and directs buyers to contact the company to start a quote. [7](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") [4](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance")

## 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. [1](https://www.pieinsurance.com/legal "Legal") [2](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [3](https://www.pieinsurance.com/resource-center/online-account-tutorial "Online Account Tutorial")

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

## What Is TechInsurance?

TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [5](https://www.techinsurance.com/about-us "About TechInsurance") [6](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## 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. [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")

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

### Published Cost vs. No Public Pricing

Pie's page does not publish limits, deductibles or premium ranges for errors and omissions coverage. [4](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") TechInsurance instead publishes a specific median premium for its E&O policyholders:

TechInsurance says its E&O policyholders pay a median of $88 per month, or $1,051 a year, with the exact premium depending on location, profession risk level, coverage limits, deductible, employee count, claims history and annual income. [7](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..)

### Claims-Made Mechanics

TechInsurance's page explains that its E&O policies are claims-made, meaning coverage applies only if the policy was active both when the incident occurred and when the claim was filed, and recommends a retroactive date to cover past work. [7](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") Pie's page describes what the policy pays for, including legal fees and damages for claims of inaccurate advice or negligence, but does not address whether coverage is claims-made or occurrence. [4](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance")

### How You Start a Quote

Pie directs errors and omissions buyers to contact the company to start a quote through its website, without describing a self-serve online path for this line. [4](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") TechInsurance arranges E&O as a standalone policy and publishes both a cost estimate and a description of how a claim gets reported once you're covered. [7](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance")

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

- Ask Pie for its actual quoted premium and any available limit options, since its page publishes none. [4](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance")
- Ask TechInsurance how your industry, limit, deductible, employee count and claims history move you away from the published $88 monthly median. [7](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance")
- Ask Pie whether its policy is claims-made or occurrence, and whether a retroactive date applies. [4](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance")
- Neither reviewed page names the issuing insurer; ask both companies directly. [4](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") [7](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance")

## Offering Details

| Criteria | Pie Errors and Omissions Insurance | TechInsurance Errors and Omissions Insurance |
| --- | --- | --- |
| 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. [4](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..) | TechInsurance arranges errors and omissions (E&O) insurance, also called professional liability insurance, as a standalone policy for businesses that provide professional services or advice. [7](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page..) |
| Issuing Insurer | The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's errors and omissions product. [4](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..) | The reviewed page does not name the issuing insurer for an E&O policy. [7](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Not publicly disclosed; scope: Errors and omissions product page as read on 2026-09-23..) |
| 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. [4](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..) | TechInsurance targets E&O at businesses that provide professional services or advice, naming IT and software professionals, cybersecurity and SaaS companies, insurance agents, real estate agents, tax preparers and consultants as example segments, and notes it is sometimes required by state law or licensing boards. [7](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page, Who should get errors and omissions insurance coverage? section..) |
| 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. [4](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..) | TechInsurance says E&O insurance covers professional negligence claims, errors or incomplete work, breach of contract, missed deadlines, misrepresentation of skill level, and communication-related disputes, and pays legal defense costs and any resulting judgment or settlement. [7](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page; general policy description, not a specific policy form..)<br><br>TechInsurance says its E&O policies are claims-made, meaning coverage applies only if the policy was active both when the incident occurred and when the claim was filed, and recommends keeping the policy active or setting a retroactive date to cover past work. [7](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page, Why is it important to keep your E&O insurance policy active? section..) |
| Limits and Retentions | The reviewed page does not publish limits, deductibles, or premium ranges for errors and omissions coverage. [4](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..) | TechInsurance says its E&O policyholders pay a median of $88 per month, or $1,051 a year, with the exact premium depending on location, profession risk level, coverage limits, deductible, employee count, claims history and annual income. [7](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) |
| How to Apply | Pie directs errors and omissions buyers to contact the company to start a quote through its website. [4](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 described in the reviewed sources. |
| Claims Support | Not described in the reviewed sources. | TechInsurance says that if a client threatens to sue, you contact your carrier directly, provide policy information and explain the circumstances, and the insurer's representative helps determine next steps. [7](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page, How does E&O insurance coverage work? section..) |

## Full Comparison

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

## Sources

### Pie Insurance

1. [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.
2. [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.
3. [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.
4. [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.

### TechInsurance

5. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
6. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
7. [Errors & Omissions (E&O) Insurance](https://www.techinsurance.com/errors-omissions-insurance). TechInsurance; What does errors and omissions insurance cover? (professional negligence, errors or incomplete work, breach of contract, missed deadlines, misrepresentation, communication challenges); How much does E&O insurance cost?; Who should get errors and omissions insurance coverage?; How does E&O insurance coverage work? (claims-made). Accessed 2026-09-23.

### 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 2026-09-23. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/pie-insurance-vs-techinsurance/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)