Pie Insurance vs 
The Hartford: How Do They Compare for Professional Liability (E&O) Insurance?
Pie Insurance finds E&O through carrier partners for small businesses; The Hartford publishes average minimum monthly premiums, such as $62 for standalone miscellaneous professional liability, and lists accountants, consultants and technology professionals.
The Hartford publishes average minimum monthly premiums for five separate professional liability products, from $38 for healthcare to $239 for architects and engineers, while Pie's E&O page publishes no premium figures for any profession. 2,1
What Are the Key Differences Between Pie Insurance and The Hartford Professional Liability (E&O) Insurance?
No Public Pricing vs. Five Priced Products
Pie's page does not publish limits, deductibles or premium ranges for errors and omissions coverage. 1 The Hartford instead breaks the line into five named products, each with its own published average minimum monthly premium:
The Hartford publishes average minimum monthly premiums by product: Misc. Professional Liability Standalone $62, Misc. Professional Liability Endorsement $41, Architects and Engineers Professional Liability $239, Healthcare Professionals Professional Liability $38, and Errors & Omissions Insurance for Technology Companies $146. The page does not publish standard coverage limits or retentions; cost and limits are set at quote. 2Company-reported. Company-reported pricing as of 2026-09-23 (page last updated by The Hartford May 4, 2026); premiums are not coverage limits.
When comparing Pie Insurance and The Hartford, use published pricing as a budget screen; the actual quote still decides the cost comparison.
Who Underwrites the Policy
Pie identifies itself as an intermediary placing coverage with unnamed carrier partners, rather than the underwriter for this line. 1 The Hartford's professional liability page describes the policy as its own, protecting businesses against claims of negligence, misrepresentation, inaccurate advice and related copyright infringement, without a separate broker-placement description. 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 The Hartford names accountants, consultants, interior designers, advertising agencies, graphic designers, technology professionals and healthcare professionals, and ties eligibility to businesses that sign contracts requiring coverage or regularly give advice to clients. 2
What Should You Confirm in Pie Insurance and The Hartford Professional Liability (E&O) Insurance Quotes?
- Ask The Hartford which of its five priced products applies to your profession, since the average minimums vary widely. 2
- Ask Pie for its actual quoted premium and limit options, and which specific carrier partner would issue the policy. 1
- Ask whether an extended reporting period is available from The Hartford if you switch professions or policies later. 2
- Confirm whether criminal-prosecution defense is excluded on your Pie policy, since its page notes that exclusion. 1
Pie Insurance vs The Hartford Professional Liability (E&O) Compared
Pie Insurance vs The Hartford: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Pie Errors and Omissions Insurance | The Hartford Professional Liability Insurance (Errors & Omissions) |
|---|---|---|
| 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. | The Hartford targets professional liability at businesses that sign contracts requiring coverage, offer professional services directly to customers, or regularly give advice to clients, and lists industries it covers: accountants, consultants, interior designers, advertising agencies, graphic designers, technology professionals and healthcare professionals. 2Company-reported. Professional liability product page as read 2026-09-23. |
| 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. | The Hartford says the policy can cover claims of negligence, misrepresentation, inaccurate advice, personal injury (libel/slander) and copyright infringement, plus defense costs. Many of its professional liability policies are written on a claims-made basis with a retroactive date and an extended reporting period (typically 30-60 days, extendable to a year or more for an added cost), though some are written on an occurrence basis. 2Company-reported. Professional liability product page as read 2026-09-23. General coverage and policy-form description; the issued policy controls. |
| 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. | The Hartford's professional liability insurance, also called errors and omissions (E&O) insurance, protects businesses when they make mistakes in the professional services provided to clients, including claims that turn out to be baseless. 2Company-reported. Professional liability product page as read 2026-09-23. |
